Best BOB Bank Credit Cards in India (0 Cards)
Compare annual fees, lounge access, reward rates, RuPay UPI features, and welcome benefits across BOB Bank's official card lineup. Apply online with instant eligibility check and zero impact on your CIBIL score.
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Why Choose BOB Bank Credit Cards?
India's RuPay UPI Pioneer, High-Yield Rewards & Achievable Fee Waivers
Bank of Baroda (BOB Financial) is a leader in accessible, high-utility credit cards engineered for everyday Indians. As one of the earliest adopters of RuPay credit cards on UPI, BOB offers seamless scan-and-pay functionality across cards like BOB Premier, Select, and Easy. Combined with generous 5X reward points on dining and departmental shopping, achievable spend waiver milestones, and railway executive lounge access, BOB cards deliver immense value.
Up to 5X Reward Points (Direct Statement Credit)
BOB Reward PointsComplimentary access
Domestic & Global AccessScan & Pay Active
Up to 50 days float2.00% (BOB Eterna) to 3.50%
International TravelSpend ₹35,000 to ₹1.5 Lakhs
Spend waiver milestoneRuPay UPI Pioneer: Scan & Pay at Any QR Code
Link your BOB RuPay credit card to Google Pay, PhonePe, Paytm, or BHIM and pay at millions of street vendors and retail stores with credit float.
- Link BOB Premier RuPay or Easy RuPay cards seamlessly to any UPI app
- Earn reward points on UPI transactions at local merchants, grocery shops, and pharmacies
- Enjoy up to 50 days of interest-free credit on everyday UPI transactions
- Zero transaction surcharges on QR payments up to ₹2,000
Everyday shoppers who want to earn credit card rewards on all their daily UPI payments.
Smart 5X Reward Points on Dining & Groceries
Accelerate point accumulation with 5X reward points on grocery shopping, departmental stores, movies, and dining out.
- 5X reward points (5 points per ₹100 spend) on dining, groceries, and departmental store purchases
- Points redeemable directly as cash statement credit (1 Point = ₹0.25)
- No complicated point transfer ratios; simple, transparent cash balance offsets
- Additional bonus reward points on crossing annual spending milestones
Households with regular grocery, supermarket, and family dining expenditures.
India's Most Achievable Fee Waiver Thresholds
Enjoy virtually lifetime-free economics with the lowest spend waiver milestones in the Indian credit card industry.
- Annual renewal fee 100% reversed upon spending just ₹35,000 annually on BOB Easy
- Spend ₹70,000 annually for fee reversal on BOB Select, and ₹1,00,000 on BOB Premier
- No penal fees or hidden clauses; automatic fee reversal on your anniversary statement
- Free lifetime add-on cards for your spouse, parents, and children above 18 years
Value-seeking cardholders who want premium features without recurring fee burdens.
Complimentary Airport & Railway Executive Lounges
Unwind in comfort whether traveling by flight or train with complimentary lounge access across major Indian transit hubs.
- Up to 4 to 8 complimentary domestic airport lounge visits annually on Premier and Eterna
- Access to Indian Railway executive lounges at New Delhi, Agra, Jaipur, and other major junctions
- Complimentary Priority Pass membership for international airport lounge entry on Eterna
- Includes free buffet meals, Wi-Fi, air-conditioned seating, and refreshments
Frequent domestic travelers who use both flights and trains.
1% Fuel Surcharge Waiver Across All Fuel Stations
Save on every tank refill with a 1% fuel surcharge waiver valid across every oil marketing company in India.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all petrol pumps nationwide
- Valid across Indian Oil, Bharat Petroleum, HPCL, and private fuel stations
- Maximum surcharge waiver of up to ₹250 per billing cycle
- Save hundreds of rupees annually on personal vehicular fuel expenses
Vehicle owners and frequent commuters.
Instant SmartEMI & ConQR Mobile Card Controls
Convert large purchases into affordable monthly installments and manage your card security seamlessly via mobile app.
- Convert any transaction above ₹2,500 into 6 to 36 month EMIs directly via SMS or the BOB Card portal
- Manage card limits, toggle contactless tap-and-pay, and reset PIN in real time
- Zero lost card liability protection upon reporting unauthorized usage
- Complimentary personal accident insurance cover up to ₹50 Lakhs on premium variants
Cardholders planning electronics or home renovation purchases needing flexible EMIs.
BOB Financial Rewardz & Cashback Hub
Up to 5X reward points on dining, groceries, and travel; points convert to cashback
1 Reward Point = ₹0.25 (directly redeemable as cash statement credit)
- Direct Cash Credit: Points offset against your credit card statement balance
- E-Gift Vouchers for Amazon, Flipkart, Myntra, and retail chains
- Flight and Hotel Bookings via the BOB Rewardz portal
- Merchandise and electronics catalog
Airport Lounge Privileges & Spend Thresholds
Complimentary airport terminal relaxation guidelines, quarterly spend requirements, and annual fee reversal milestones.
Up to 4 to 8 complimentary domestic airport lounge visits per year on BOB Premier, Select, and Eterna cards.
Complimentary Priority Pass membership with international visits included on the flagship BOB Eterna card.
₹35,000 (BOB Easy), ₹70,000 (BOB Select), ₹1,00,000 (BOB Premier)
Flagship BOB Bank Cards with These Features
BOB Eterna Credit Card
Unlimited domestic lounges, 2.0% forex markup, BookMyShow BOGO, 7X points
BOB Premier RuPay Credit Card
5X rewards on travel & dining, domestic airport lounges, RuPay UPI payments
BOB Select Credit Card
5X rewards on shopping & dining, achievable ₹70k annual fee waiver
BOB Easy RuPay Credit Card
5X rewards on grocery & departmental, ₹35,000 spend waiver, RuPay UPI
Frequently Asked Questions About BOB Bank Cards
Everything you need to know before applying for BOB Bank credit cards in India.
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