Card Details
BOBCARD SELECT
Monzy Score
5/ 10
Average for online shoppers.
Thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
Bank of Baroda
Joining Fee
₹750
Annual Fee
₹750
Reward Type
Reward Points
Card Access
Standard
Offers from Bank of Baroda
See allUpto 20% Off on Flipkart Travel
Travel Deals · till 13 Sep 2026
10% Instant Discount on Flipkart
Shopping Deals · till 15 Sep 2026
Flat ₹6000 off on Flipkart 2-Wheelers
Shopping Deals · till 15 Sep 2026
Upto 25% Off on Cleartrip
Travel Deals · till 27 Sep 2026
Upto 12% Off on Ixigo
Travel Deals · till 30 Sep 2026
Earn Points
5pts
/₹100 on Online Spends (Limit ₹20K/Mo)
5pts
/₹100 on Dining (Limit ₹20K/Mo)
5pts
/₹100 on Utility Bills
Extra 4 RP/₹100
Flights booked via BOBCARD SmartDeal
Benefits
5 RP/₹100 on online spends
- Accelerated rewards where you likely spend most
- 5 Reward Points per ₹100 on online and dining purchases
- 1 Reward Point per ₹100 on other eligible spends
- Benefits stop at 1,000 Reward Points per statement cycle
Bonus rewards on SmartDeal travel bookings
- Travel accelerators via SmartDeal platform
- Extra 10X rewards on SmartDeal hotel bookings
- Extra 4X rewards on SmartDeal flight bookings
- Only applies to bookings routed through BOBCARD SmartDeal
Joining and annual fee waivers with low spend…
1% fuel surcharge waiver up to ₹250/month
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel
Estimated Returns
Online & dining
5X (5 RP/100) on online and dining; combined cap 1000 RP/month (~Rs 250), then base 1 RP/100.
₹250
Other spends
1 RP/100 on all other categories. Fuel excluded from rewards.
₹25
Total Annual Return
₹3,300
0.92% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“Applied for BOB select is it worth it?”
by r/CreditCardsIndia, Jul 2024
“Are BoB card worth it?”
by r/CreditCardsIndia, Jul 2024
“BOB is offering Eterna CC LTF till 31st Dec. Interested”
by r/CreditCardsIndia, Nov 2025
“Bank of Baroda Premier & Select”
by r/CreditCardsIndia, Jul 2025
“Bank of Baroda - hidden Gem (HomeLoan, Radiance”
by r/CreditCardsIndia, Jul 2024
Frequently Asked Questions
The BOBCARD SELECT charges ₹750 plus GST as a joining fee and the same ₹750 again at renewal. Bank of Baroda waives the renewal fee if you spend ₹70,000 in the previous year, which is about ₹5,833 a month. If your card spend sits below that, treat ₹750 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
5X Rewards are limited at 1000 Reward Points on online and dining categories combined per statement cycle. Further spends in that statement cycle on these categories will earn Reward Points at the regular earn rate.
1% fuel surcharge waiver is applicable on transactions between ₹400 and ₹5,000, limited at Max. ₹250 per statement cycle.
Joining fee waiver on ₹7,500 spend within 60 days; annual fee waiver on ₹70,000 spend in anniversary year.
Annual fee waiver requires spending ₹70,000 in every card anniversary year.
