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.
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 Type
Amount
First-year fee
Rs.750
Annual fee
Rs.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 interest
3.25% per month or 39% per annum
Duplicate bill fee
Rs.25 per request
Cheque return charges
2% of the cheque amount or Rs.300 whichever is higher
Over limit charges
1% if the usage exceeds the sanctioned credit limit per month
Card replacement charges
Rs.100 per request
Foreign currency transaction fee
3.5% of the transaction amount
Charge slip retrieval charges
Rs.250 per slip
Card de-blocking charges
Rs.300 per instance
Late payment charges
< Rs.200 - NIL
Rs.201 to Rs.500 - Rs.100
Rs.501 to Rs.1,000 - Rs.400
Rs.1,001 to Rs.10,000 - Rs.500
More than 10,001 - Rs.750
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
Bank of Baroda
Dining
Fuel
Reward Points
