What are the primary benefits of the BOBCARD Select Credit Card?

The BOBCARD Select Credit Card offers 5X Reward Points on online, dining, and utility bill payments, a 1% fuel surcharge waiver, and complimentary accidental death insurance. It also provides Smart EMI options.

How can I waive the joining fee for the BOBCARD Select Credit Card?

The joining fee for the BOBCARD Select Credit Card can be waived off if you spend ₹7,500 or more within the first 60 days of card issuance. It may also be offered as lifetime free for a limited time.

What is the reward rate on the BOBCARD Select Credit Card?

The BOBCARD Select Credit Card offers 5 Reward Points per ₹100 on online, dining, and utility bill payments (capped at 1,000 RP per cycle). For all other eligible transactions, you earn 1 Reward Point per ₹100 spent.

Does the BOBCARD Select Credit Card offer lounge access?

No, the BOBCARD Select Credit Card does not provide any complimentary airport lounge access, either domestic or international.

What is the foreign currency markup on the BOBCARD Select Credit Card?

The foreign currency markup for all international transactions made with the BOBCARD Select Credit Card is 3.5%.

Are there any insurance benefits with the BOBCARD Select Credit Card?

Yes, the BOBCARD Select Credit Card includes a free Personal Accidental Death Cover of ₹15 Lakhs for air accidents and ₹5 Lakhs for non-air accidents, providing financial protection.

How are reward points redeemed on the BOBCARD Select Credit Card?

Accumulated Reward Points from your BOBCARD Select Credit Card can be redeemed as cashback, where 1 Reward Point equals ₹0.20. You can also redeem them against various other options.

What are the fuel surcharge waiver details for the BOBCARD Select Credit Card?

The BOBCARD Select Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India, with a maximum waiver capped at ₹250 per statement cycle.

Can I get add-on cards with the BOBCARD Select Credit Card?

Yes, you can get up to 3 lifetime free add-on credit cards for your family members (spouse, parents, siblings, or kids above 18 years) with the BOBCARD Select Credit Card.

What are the eligibility criteria for the BOBCARD Select Credit Card?

To be eligible for the BOBCARD Select Credit Card, the primary cardholder must be an Indian Resident, aged 21-60 years (salaried) or 24-65 years (self-employed), with a decent credit score. Add-on applicants must be above 18 years.

Bank of Baroda

BOBCARD Select Credit Card

ShoppingDining

Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Earn 500 Reward Points on spending ₹5,000 or more within 60 days of card issuance.

Rewards Rate

Earn 5X Reward Points (5 RP per ₹100) on online, dining & utility spends. 1 RP per ₹100 on others.

Reward Type

Reward Points

Reward Redemption

Redeem accumulated Reward Points as cashback (1 RP = ₹0.20) or against various other options.

Domestic Lounge Access

No airport lounge access is provided with this card.

International Lounge Access

No airport lounge access is provided with this card.

Premium Benefits

Not Applicable

Insurance Coverage

Get a free Personal Accidental Death Cover (₹15 Lakhs air, ₹5 Lakhs non-air accidents).

Movie

Not Applicable

Dining

Earn 5X Reward Points on dining expenses. Delight yourself with mouthwatering culinary offers.

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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