Bank of Baroda Credit Cards
BOBCARD's straightforward lineup — genuinely low-fee entry cards through to Eterna's premium rewards, with wide PSU-bank trust.
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Popular Bank of Baroda cards
Hand-picked variants across rewards, cashback, travel and lifetime-free. Fees shown are indicative — the issuer's latest schedule applies.
BOBCARD Easy
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BOBCARD Easy
- 5X points on grocery, departmental stores and movies
- Easy approval path including against FD
- Low effective cost for everyday use
BOBCARD Select
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BOBCARD Select
- 5X points on online spends
- 1 domestic lounge visit per quarter
- Zero-liability protection on fraud reporting
BOBCARD Premier
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BOBCARD Premier
- 10X points on travel, dining and international spends
- Domestic lounge access quarterly
- Solid mid-tier pick from a PSU-backed issuer
BOBCARD Eterna
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BOBCARD Eterna
- 15X points on travel, dining, international and online shopping
- Unlimited domestic lounge visits (spend-linked)
- FitPass Pro membership and movie offers
Fees & charges
- Interest on revolving balance
- ~3.49% / month
- Cash advance fee
- ~2.5% of amount (min ₹300–500)
- Late payment charges
- ₹0 – ₹1,300 slab-wise on amount due
- Foreign currency markup
- ~3.5%
- Fuel surcharge waiver
- ~1% on eligible slabs, capped monthly
Eligibility
- Age
- 21 – 60 years (up to 65–75 for some issuers)
- Income
- ₹15,000 – ₹25,000+/month for entry cards; higher for premium
- Employment
- Salaried or self-employed with steady income
- Credit score
- 700+ improves approval odds and limits
Documents
- PAN card (mandatory for all card applications)
- Aadhaar / passport / voter ID as identity & address proof
- Latest salary slips or ITR for income proof (premium cards)
- Passport-size photo if digital KYC hasn't captured one
Bank of Baroda card FAQs
Can I get a BOBCARD without income proof?
Yes — BOBCARD offers secured cards against a Bank of Baroda fixed deposit, a reliable route for students, homemakers and credit newcomers.
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