The verdict
A dependable, high-utility everyday card from a major public sector bank. Getting 5X rewards on routine dining and online bills paired with 4 domestic airport lounges and an easy ₹70,000 fee waiver delivers exceptional value for a modest ₹750 annual fee.
Spending ₹6,000/mo on dining & online shopping (₹900 points) + 1,000 welcome points (₹250 value) + spending ₹70,000/year waives the ₹750 fee and unlocks 4 domestic airport lounges (~₹4,000 value), yielding over ₹5,150 in net annual value (6.8× ROI).
For spenders who prioritize flat cashback on groceries or fuel, specialized 5% cashback cards provide direct cash discounts.
✓What works
- +5X Reward Points (5 points per ₹100 spent = 1.25% return) on dining, online shopping, and utility bill payments.
- +1 Reward Point per ₹100 spent (0.25% return) on all other general retail transactions.
- +4 complimentary domestic airport lounges per year (1 per quarter on ₹35k spend).
- +1,000 bonus reward points welcome gift upon card activation and spending ₹1,000 in first 30 days.
- +Low annual fee waiver threshold of just ₹70,000 in annual spending.
- +1% fuel surcharge waiver on all petrol pumps across India on transactions between ₹400 and ₹5,000.
✕What doesn't
- −Monthly 5X accelerated rewards earning is capped at 1,000 Reward Points per billing cycle.
- −General retail spend yields 0.25% base reward return.
- −Airport lounge access requires ₹35,000 spend in preceding calendar quarter.
What it earns
1 Reward Point = ₹0.25 when redeemed for statement cash credit or brand vouchers.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Dining, Online Shopping & Utility Bills | 1.25% (5 pts / ₹100) | 1,000 pts / month | 5,000 pts (Capped at 1,000 pts/mo) |
| All Other Domestic Retail Spends | 0.25% (1 pt / ₹100) | Uncapped | 1,000 pts (₹250 value) |
| Fuel & Rent | 0% | Excluded | 0 pts |
Accelerated earn
5X Rewards on Dining & Online + 4 Lounges
Earn extra points on restaurant bills, utility payments, and online shopping.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Dining & Online5 pts per ₹100 on dining & web. | 5× · 1.25% | 1,000 pts / month | — |
| Utility Bills5 pts per ₹100 on utility bills. | 5× · 1.25% | 1,000 pts / month | — |
Redemption options
Redeem points directly as statement cash credit on BOBCARD Rewards portal at 1 pt = ₹0.25.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Direct Statement Cash CreditBEST VALUE | ₹0.25 / Reward Point | 1,000 pts | None | Nil |
| Brand Vouchers & MerchandiseBEST VALUE | ₹0.25 / Reward Point | 1,000 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Restaurant dining, online food orders, and food delivery.
- +Electricity, water, gas bills, and e-commerce shopping.
- +4 domestic airport lounges per year (1 per quarter).
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹5,000).
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹750 + GST (1,000 Bonus Points welcome gift) |
| Annual Renewal Fee | ₹750 + GST (Waived at ₹70,000 spend) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.25% / month (39.0% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹25,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.0 Lakhs per annum |
Frequently Asked Questions
Does Bobcard Select Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for Bobcard Select Credit Card?
What is the reward rate and point redemption value on Bobcard Select Credit Card?
Which transactions are excluded from earning rewards on Bobcard Select Credit Card?
Who is Bobcard Select Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: Bobcard Select Credit Card
The Bobcard Select Credit Card is Bank of Baroda’s core mid-tier shopping and lifestyle credit card, positioned for salaried individuals and families who desire airport lounge access and elevated dining rewards at an affordable price point. Available across Visa, Mastercard, and RuPay payment networks at a reasonable annual fee of ₹750 + GST, the renewal charge is completely waived upon achieving ₹70,000 in eligible retail spending within a card anniversary year.
Engineered to optimize everyday family and urban spending, the card offers 5X accelerated reward points (5 points per ₹100 spent = 1.25% return at 1 point = ₹0.25) on dining, online e-commerce shopping, and recurring utility bill payments. Complemented by 4 complimentary domestic airport lounge visits per year, 1,000 bonus welcome reward points, and a 1% fuel surcharge waiver, Bobcard Select delivers balanced luxury and practical utility without high fee burdens.
Key Privileges and Practical Everyday Benefits
- 5X Accelerated Rewards on Dining, Online Shopping & Utilities: Earn 5 reward points per ₹100 spent (1.25% return at 1 point = ₹0.25) on restaurant meals, food delivery apps, e-commerce shopping, and recurring utility bills (electricity, water, broadband).
- Complimentary Domestic Airport Lounge Access: Enjoy 1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually) across Indian terminals (spend-gated at ₹35,000 in the preceding calendar quarter).
- 1,000 Welcome Bonus Reward Points: Receive 1,000 bonus reward points (₹250 value) upon card activation and spending ₹1,000 or more within the first 30 days of issuance.
- Accessible ₹70,000 Annual Fee Waiver Benchmark: Completely waive the ₹750 annual renewal fee by maintaining modest monthly retail spending of approximately ₹5,850.
- Base Retail Rewards & Fuel Surcharge Savings: Earn 1 reward point per ₹100 spent (0.25% return) on all other general retail transactions, alongside a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across India (up to ₹250 per cycle).
Important Terms and Spend Conditions to Keep in Mind
- Monthly Accelerated Reward Cap: 5X accelerated reward points are capped at 1,000 reward points per billing cycle across dining, online shopping, and utility categories.
- Airport Lounge Spend Qualification: Domestic airport lounge access requires meeting the ₹35,000 quarterly spend threshold in the preceding calendar quarter.
- Excluded Spend Categories: Fuel purchases, ATM cash withdrawals, wallet reloads, and rent payments do not earn reward points.
- Annual Spend Waiver Target: Full waiver of the ₹750 renewal fee applies strictly to settled retail transactions during the 12-month anniversary period.
- Finance Charges (APR): Unpaid revolving statement balances attract standard interest charges of 3.49% per month (41.88% per annum).
Who Benefits Most
- Urban Salaried Families: Households spending ₹10,000 to ₹25,000 monthly who want steady 1.25% returns on dining, online shopping, and utility bills.
- Budget-Conscious Travelers: Commuters looking for domestic airport lounge access with a modest ₹750 annual fee.
- Everyday Cardholders: Spenders who can comfortably achieve ₹70,000 in annual expenses to enjoy an entirely fee-free lifestyle card experience.
- BOBCARD (Bank of Baroda) — Select Credit Card schedule of charges
- BOBCARD Rewards — 5X accelerated reward points and lounge access terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).