Bank of Baroda Select Credit Card
Bank of Baroda Bank of Baroda

Bank of Baroda Select Credit Card

/assest/image/icons/dining.svg Dining
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward
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Joining Fee: ₹750* Plus Applicable Taxes

Renewal Fee: ₹750*Plus Applicable Taxes

Dining Dining
Fuel Fuel
Reward Reward
MyBankingTips Rating

Joining Fee: ₹750* + Tax

Renewal Fee: ₹750* + Tax

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Bank of Baroda Select Credit Card

The Bank of Baroda Select Credit Card, offered by BOB Financials, is designed to suit the lifestyle of every individual. This card provides a range of benefits, including cashback on spends and a fuel surcharge waiver, making it an ideal choice for regular shopping. With its balanced features and reasonable fees, the Select Credit Card serves as a convenient and rewarding option for managing daily expenses and maximizing savings.

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Bank of Baroda Select Credit Card Rewards Program

Reward Points

Earning Rate:

  • 1 Reward Point for every ₹100 spent on all eligible transactions.
  • 5 Reward Points for every ₹100 spent on dining and online transactions (capped at 1,000 points per month).
  • Fuel transactions are not eligible for Reward Points.

Reward Redemption:

  • Redeem points for cashback or a variety of options available on the BOBCARD Rewards portal.
  • Value of 1 Reward Point = ₹0.25.

Other Features and Benefits

Instant EMI

  • Convert purchases of Rs. 2,500 and above into easy EMIs of 6–12 months.

Multiple Redemption Options

  • Redeem earned reward points as cashback or other available options.

Cash on Card Repayment

  • Get 0.5% cashback on paying your card bill in the next statement.

Fuel Surcharge Waiver

  • 1% waiver on fuel transactions between Rs. 400–5,000 at all fuel stations in India.

Reward on Daily Expenses

  • Earn 5x reward points on every Rs. 100 spent at departmental stores, movies, and grocery.

Annual Fee Waiver

  • Waiver of annual fee on spending Rs. 7,500 in 6 months or Rs. 70,000 in a year.

Add-on Cards

  • Get up to 3 lifetime free add-on cards for parents, siblings, spouse, or others.

Fees and Charges

Fee TypeAmount
First-year feeRs.750
Annual feeRs.750
Cash withdrawal fee (Domestic ATMs)2.5% of the transaction amount subject to a minimum of Rs.300
Cash withdrawal fee (International ATMs)3.0% of the transaction amount subject to a minimum of Rs.300
Finance charges or interest3.25% per month or 39% per annum
Duplicate bill feeRs.25 per request
Cheque return charges2% of the cheque amount or Rs.300 whichever is higher
Over limit charges1% if the usage exceeds the sanctioned credit limit per month
Card replacement chargesRs.100 per request
Foreign currency transaction fee3.5% of the transaction amount
Charge slip retrieval chargesRs.250 per slip
Card de-blocking chargesRs.300 per instance
Late payment charges
  1. < Rs.200 - NIL
  2. Rs.201 to Rs.500 - Rs.100
  3. Rs.501 to Rs.1,000 - Rs.400
  4. Rs.1,001 to Rs.10,000 - Rs.500
  5. More than 10,001 - Rs.750
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Things to Know Before you apply

Get this card if:

  • You want a credit card that rewards your daily expenses like groceries, movies, and dining.
  • You prefer a card with fuel surcharge waivers for transactions at petrol pumps.
  • You are looking for flexible repayment options, including instant EMI conversion.
  • You want complimentary insurance and zero liability protection on lost cards.
  • You plan to use add-on cards for family members without extra cost.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For Bank of Baroda Select Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Bank of Baroda Select Credit Card Hilights

What do we like about this card?

  • Lifetime free credit card with no joining or annual fee.
  • Earn 5x reward points on departmental stores, movies, and grocery spends (up to monthly cap).
  • 1 reward point on every Rs. 100 spent on other categories.
  • Redeem reward points for cashback or other available options.
  • Instant EMI facility on purchases of Rs. 2,500 and above.
  • 1% fuel surcharge waiver on transactions between Rs. 400–5,000.

Pros

  • Earn 5x reward points on groceries, departmental stores, and movies.
  • Get 0.5% cashback on paying your credit card bill.

Cons

  • 5x rewards only apply to select categories; other spends earn less.
  • No airport lounge access.
  • High foreign transaction fee of 3.5% on international spends.

Bank of Baroda Credit Card Contact Details

  • Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
  • Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
  • Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
     

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