BOBCARD Select Credit Card

The BOBCARD Select Credit Card from BOBCARD (the credit-card arm of Bank of Baroda) is designed for people who do a lot of online shopping and dining. It offers accelerated rewards on online and dining spends, along with features such as fuel surcharge waiver, easy EMIs, and the possibility of fee waiver if spending milestones are met — making it a value-oriented card

BOBCARD Select Credit Card

Joining Fees	₹750 + GST
Annual Fees	₹750 + GST
Card Type	Rewards
Network Type	Visa

Rewards & Benifits

5X Rewards: 5 reward points per ₹100 spent on online and dining spends (capped at 1,000 reward points per statement cycle).
1 reward point per ₹100 spent on all other eligible categories.
Fuel surcharge waiver: 1% waiver at all fuel stations in India on transactions between ₹400 and ₹5,000 (max ₹250 per statement cycle). No reward points on fuel transactions.
Smart EMI option: Convert purchases above ₹2,500 into EMIs for 6 to 48 months.
Up to 3 free lifetime add-on cards for family members (above age 18).
Personal accident cover — ₹15 lakhs (air travel) and ₹5 lakhs (non-air travel).
Zero liability on lost card if reported immediately.
Contactless payment enabled — no PIN required for spends up to ₹5,000 at supported merchants.

Fees & Charges

Joining fee: ₹750 + GST. Annual fee: ₹750 + GST. Fees can be waived — see fee waiver terms.
Fee waiver conditions: Spend ₹7,500 within first 60 days to waive joining fee; spend ₹70,000 in a card anniversary year to waive annual fee. Applies only if account is not delinquent.
Reward-program does not apply to fuel transactions.
If waiver criteria not met, fees will be billed (first-year fee appears in 3rd statement from issuance, per official terms).

Card Details

Welcome benefit: 500 reward points on spending ₹5,000 within first 60 days of issuance.
Reward redemption: Redeem accumulated reward points as cashback — 1 reward point = ₹0.20.
Accelerated rewards capped at 1,000 reward points per statement cycle on online/dining spends; beyond that regular reward rate applies.
Interest-free credit period up to ~50 days on purchases, provided you pay due amount in time. Revolving credit facility available.

Pros & Cons

High rewards on online shopping and dining — ideal for frequent online shoppers.
Possibility to make card effectively “lifetime free” if milestone spends are met.
Fuel surcharge waiver — useful for regular fuel purchases.
Smart EMI option gives flexibility for larger purchases.
Free add-on cards and accident cover increase overall value.
Contactless payments — convenient for small payments.

Rewards cap on accelerated rate — only first ₹20,000 approx of online/dining spends (or 1,000 points) get 5X rate per cycle.
No rewards on fuel transactions despite surcharge waiver.
The network type (Visa / Mastercard / Rupay) is not clearly specified on the official page.
Waiver of fees depends on spending — may not be ideal for low-spend users.

ELIGIBILITY CRITERIA

Indian Resident.
Age (Primary Cardholder): If salaried — 21 to 60 years; if self-employed — 24 to 65 years.
Documents required: Recent passport-size photograph (white/clear background), PAN card, valid address proof (Aadhaar / Voter ID / Passport / Driving Licence / Job-Card etc.), and income proof (bank statements and salary slips as applicable).

WELCOME BENEFITS
On spending ₹5,000 within the first 60 days of card issuance, cardholder earns 500 Reward Points.

CARD REVIEW
The BOBCARD Select Credit Card is best suited for people who frequently shop online or dine out — thanks to its generous 5X reward points on those categories, along with other perks like fuel-surcharge waiver, smart EMI options, and free add-on cards. For users who can meet the spending milestones (₹7,500 quickly, ₹70,000 annually), the card can become effectively “lifetime free,” offering strong value for money. However, the reward caps on accelerated spends and lack of clarity on network type might be drawbacks for some. Also, frequent fuel or mixed spends may not get full benefit. Overall, it’s a solid card for regular online & dining spenders who want value without high fees.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

BOBCARD Select Credit Card