CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Bank of Baroda (BOBCARD)

BOBCARD Premier Credit Card

22
Ranked #160 of 170 in credit
creditVisa/RuPayEntry-Mid TravelLegacy · discontinued

BOBCARD's entry-mid travel card offering decent accelerated rewards and domestic lounge access at a low (often Lifetime Free promotional) fee — but subject to multiple 2026 devaluations including insurance removal and rising interest rates.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value3/100 · weight 71%
≈ 0.16% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks23/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,000 + 18% GST
= ₹1,180 total
Annual fee
₹1,000 + 18% GST
= ₹1,180 / year total
Waiver: LIMITED-PERIOD Lifetime Free promotional offer currently active for new applicants (verify current expiry)
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingpoints0.63%(2.5 pts @ ₹0.25)₹500 / monthly10 pts/Rs100 (RuPay) or 5X (Visa) on travel/dining/international, capped 2,000pts/month
all_spendspoints0.13%(0.5 pts @ ₹0.25)—2 pts/Rs100 other categories including UPI

Welcome offer

Not prominently detailed as distinct figure

Milestone benefits

Pros

  • Currently available as Lifetime Free promotional offer
  • decent 2.5% travel/dining reward rate
  • RuPay UPI-linkable variant
  • achievable lounge threshold

Cons

  • DEVALUATIONS effective Jul-Oct 2026: interest rate rising 3.25%→3.75%/month
  • accidental death insurance being discontinued entirely
  • high forex markup (3.5%) undercuts the accelerated international reward rate
  • expanding MCC exclusion list reduces real-world reward capture
  • no international lounge access

What's inside

More benefits

  • EMI conversion facility

    Convert purchases of Rs2,500+ into EMI, 3-24 month tenure

    unlimited. Min Rs2,500 transaction

Insurance cover

text
₹NaN

Eligibility

text
Age 21-65; income ~Rs3L+ p.a. indicative

Small print

Fuel surcharge:1% waiver, Rs400-5,000 range, capped Rs250/cycle; up to Rs3,000/year savings