Bank of Baroda credit cards: fees, rewards and eligibility compared

Truely Money lists 3 Bank of Baroda credit cards, including BOBCARD Select, BOBCARD PRIME Credit Card and BOBCARD Eterna.

Cards from the same bank can look alike but differ in what they reward. Compare each Bank of Baroda card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.

The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.

Bank of Baroda credit cards and their terms

BOBCARD Select (Bank of Baroda): joining fee ₹750 · annual fee ₹750, waived on ₹70,000 yearly spend · base reward 0.2% of spend · forex markup 3.5% · income guide ₹4,80,000 a year · credit score 750+. An entry-level BOBCARD with a low annual fee, waivable at ₹70,000 yearly spend, offering accelerated rewards on online shopping and dining. Perks: 500 welcome reward points (max 1,000/statement cycle) on ₹5,000 spend within 60 days of issuance; 1% fuel surcharge waiver, capped at ₹250 per statement, on ₹400-₹5,000 transactions; Up to 10x extra reward points on flight/hotel bookings made via BOBCARD SmartDeal (platform-restricted, not a general travel rate).
BOBCARD PRIME Credit Card (Bank of Baroda): no joining fee · no annual fee · base reward 0.4% of spend · forex markup 3.5%. A lifetime-free, secured card issued against a fixed deposit, ideal for beginners building their credit score. Perks: Guaranteed issuance against Fixed Deposit without income or credit history proof; 1% fuel surcharge waiver across all fuel stations in India; Up to 3 lifetime free add-on cards for family members.
BOBCARD Eterna (Bank of Baroda): joining fee ₹2,499 · annual fee ₹2,499, waived on ₹2,50,000 yearly spend · base reward 0.75% of spend · lounge visits per year: 2 international · forex markup 2% · income guide ₹12,00,000 a year · credit score 750+. A premium BOBCARD offering unlimited conditional domestic lounge access and accelerated rewards on travel, dining, and online spends. Perks: Unlimited domestic lounge access, conditional on ₹40,000 spend in the previous calendar quarter; 2 complimentary international lounge visits per year; Complimentary 12-month FitPass Pro membership (worth ₹15,000) as a welcome gift.

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