Compare annual fees, lounge access, reward rates, RuPay UPI features, and welcome benefits across BOBCARD Limited Bank Of Baroda's official card lineup. Apply online with instant eligibility check and zero impact on your CIBIL score.
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Showing 1–6 of 21 BOBCARD Limited Bank Of Baroda cards • Page 1 of 4
Compare fees, maximum reward yields, airport lounge perks, and waiver milestones across flagship BOBCARD Limited Bank Of Baroda cards side by side.
| Card SpecsComparison | BOBCARD PremierLifestyle & Dining |  BOBCARD TiaraWomen-Centric Premium |  Snapdeal BOBCARDE-Commerce & UPI Shopping |  BOBCARD ICSI DiamondProfessional Tier |  BOBCARD CorporateCorporate & Enterprise | BOBCARD EternaSuper-Premium Lifestyle | BOBCARD CashbackOnline Cashback | HPCL BOBCARD ENERGIEFuel & Commute | BOBCARD EasyDaily Essentials & UPI | BOBCARD Etihad Guest PremiumInternational Aviation |  BOBCARD SelectEveryday Shopping & Dining |  IRCTC BOBCARD (RuPay)Railway Travel & UPI |  BOBCARD Indian Army YoddhaDefense Exclusive |  BOBCARD Indian Navy Varunah (Base / Plus / Premium)Indian Navy Exclusive |  BOBCARD Prime (FD-Backed)Secured & Credit Builder |  BOBCARD ICAI ExclusiveProfessional Tier |  BOBCARD CMA OneProfessional Tier |  BOBCARD Assam Rifles The SentinelAssam Rifles Exclusive |  BOBCARD Empower BusinessMSME & Proprietors |  BOBCARD Micro EnterpriseMicro Business & GOI Initiative |  BOBCARD Pragati (UPGB / BGGB / BRKGB)Regional Rural Banking Partner |
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Annual Fee | ₹1,000 + GST | ₹2,499 + GST | ₹249 + GST | Nil (Lifetime Free for ICSI Members) | ₹1,000 + GST | ₹2,499 + GST | ₹499 + GST (or ₹49 + GST/month plan) | ₹499 + GST | ₹500 + GST | ₹5,000 + GST | ₹750 + GST | ₹350 + GST | Lifetime Free (₹0) | Varunah: ₹0 (LTF) | Varunah Plus: ₹1,499 + GST | Varunah Premium: ₹2,499 + GST | Nil (Lifetime Free) | Nil (Lifetime Free for ICAI Members) | Nil (Lifetime Free for ICMAI Members) | Nil (Lifetime Free) | ₹500 + GST | ₹500 + GST (Plus 0.55% CGTMSE fee on sanctioned credit limit) | ₹250 + GST |
Joining Fee | ₹0 (Promotional First Year Free; standard ₹1,000 + GST) | ₹2,499 + GST | ₹249 + GST | Nil (Lifetime Free for ICSI Members) | ₹0 (Zero Joining Fee) | ₹0 (Promotional First Year Free; standard ₹2,499 + GST) | ₹499 + GST (or ₹49 + GST/month plan) | ₹499 + GST | ₹0 (Promotional First Year Free; standard ₹500 + GST) | ₹5,000 + GST | ₹0 (Promotional First Year Free; standard ₹750 + GST) | ₹500 + GST | Lifetime Free (₹0) | Varunah: ₹0 (LTF) | Varunah Plus: ₹1,499 + GST | Varunah Premium: ₹2,499 + GST | Nil (Lifetime Free) | Nil (Lifetime Free for ICAI Members) | Nil (Lifetime Free for ICMAI Members) | Nil (Lifetime Free) | ₹0 (Zero Joining Fee) | ₹500 + GST (Waived as a service gesture) | ₹0 (Zero Joining Fee) |
Waiver Spend | Joining fee ₹0 (w.e.f. 1st Sep 2026); Annual fee waived on annual spends of ₹1,20,000 or more | Joining fee waived on spending ₹25,000 within 60 days; Annual fee waived on annual spends of ₹2,50,000 or more | Low fixed annual fee of ₹249 + GST (no published spend waiver) | Lifetime Free unconditionally for verified ICSI members | Waived on anniversary spends of ₹1,00,000 or more | Joining fee ₹0 (w.e.f. 1st Sep 2026); Annual fee waived on annual spends of ₹2,50,000 or more | No standard spend-based annual fee waiver published in MITC | Waived on annual spends of ₹50,000 or more | Joining fee ₹0 (w.e.f. 1st Sep 2026); Annual fee waived on annual spends of ₹35,000 or more | Waived on annual spends of ₹5,00,000 or more | Joining fee ₹0 (w.e.f. 1st Sep 2026); Annual fee waived on annual spends of ₹70,000 or more | No standard spend-based renewal waiver; low fixed ₹350 + GST annual renewal fee | Unconditionally Lifetime Free | Varunah: Unconditionally LTF | Plus: Joining waived on ₹15k/180 days, Annual on ₹1.5L/yr | Premium: Joining waived on ₹25k/180 days, Annual on ₹1.5L/yr | Lifetime Free unconditionally | Lifetime Free unconditionally for verified ICAI members | Lifetime Free unconditionally for verified ICMAI members | Lifetime Free unconditionally | Waived on annual spends of ₹50,000 or more in every anniversary year | Joining fee waived; Annual fee of ₹500 + GST waived on ₹50,000 annual spends | Waived on annual spends of ₹25,000 or more |
Reward Rate | 5X Reward Points (10 RPs per ₹100 = 2.5% return) on dining, travel, and international spends | 15 Reward Points per ₹100 (3.75% return) on dining, travel, and international spends | 5% Unlimited Value Back (20 RPs per ₹100) on Snapdeal & 2.5% (10 RPs per ₹100) on Online, Grocery & Dept Stores | 5X Reward Points (5 RPs per ₹100 = 1.25% return) on dining, online, and utility bills + 3,999 quarterly bonus RPs | 1 Reward Point per ₹100 on corporate expenses + 8 Domestic Airport Lounge visits/year | 3.75% value back (15 RPs per ₹100) on online shopping, travel, dining, and international spends | 5% direct cashback on eligible domestic online transactions | Up to 5%–6.5% value back (24 RPs per ₹150 + 1% surcharge waiver + HP Pay rewards) on HPCL fuel & LPG | 5X Reward Points (5 RPs per ₹100 = 1.00% return) on departmental stores and movies | 6 Etihad Guest Miles per ₹100 on Etihad Airways spends with 0% Forex Markup | 5X Reward Points (5 RPs per ₹100 = 1.00% return) on online purchases and dining | Up to 40 Reward Points per ₹100 (10% value back) on IRCTC train ticket bookings | 5X Reward Points (10 RPs per ₹100 = 2.50% return) on departmental stores and movies | Up to 5X Reward Points (15 RPs/₹100 = 3.75% on Premium; 10 RPs/₹100 = 2.5% on Plus) on travel, online, dining & international spends | 2 Reward Points per ₹100 (0.40% cashback return) on retail spends against Fixed Deposit | 5X Reward Points (5 RPs per ₹100 = 1.25% return) on dining, online, and utility bills + 4,000 quarterly bonus RPs | 5X Reward Points (5 RPs per ₹100 = 1.25% return) on dining, online, and utility bills + 4,000 quarterly bonus RPs | 5X Reward Points (10 RPs per ₹100 = 2.50% return) on departmental stores and movies | 5X Reward Points (5 RPs per ₹100 = 1.25% return) on Utility Bill payments (MCC 4900) | 1 RP per ₹100 on commercial spends + Subsidized 18% p.a. interest rate | 5X Reward Points (5 RPs per ₹100 = 1.25% return) on Departmental Stores & Movies |
Airport Lounge | 4 complimentary visits per calendar year (max 1 per quarter) | Unlimited complimentary domestic airport lounge visits (Int: Not complimentary) | Not available | 12 complimentary visits per calendar year (max 3 per quarter) | 8 complimentary visits per calendar year (max 2 per quarter) | Unlimited complimentary domestic airport lounge visits across India (Int: Not complimentary) | Not available | 4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter) | Not available | 12 complimentary domestic airport lounge visits per year (3 per quarter) (Int: 8 complimentary international airport lounge visits per year (2 per quarter)) | Not available | 4 complimentary partner railway lounge visits per calendar year (max 1 per quarter) | 8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter) | Varunah Premium: Unlimited | Varunah Plus: 12/year (3/quarter) | Varunah Base: None | Not available | 12 complimentary visits per calendar year (max 3 per quarter) | 12 complimentary visits per calendar year (max 3 per quarter) | 8 complimentary visits per calendar year (max 2 per quarter) | Not available | Not available | Not available |
Forex Markup | 3.50% + GST | 2.00% + GST | 3.50% + GST | 2.00% + GST | 3.50% + GST | 2.00% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST | 0.00% (Zero Forex Markup) | 3.50% + GST | 3.50% + GST | 3.00% + GST | Varunah Premium: 2.00% | Varunah Plus: 2.50% | Varunah Base: 3.50% (+ GST) | 3.50% + GST | 2.00% + GST | 2.00% + GST | 3.00% + GST | 3.50% + GST | 3.50% + GST | 3.50% + GST |
Best Suited For | Working professionals looking for dining perks, travel rewards, and quarterly domestic lounge visits. | Female executives and entrepreneurs seeking lifestyle vouchers, preventive health packages, and unlimited domestic lounges. | Budget-conscious online and grocery shoppers looking for a 1%–2.5% RuPay UPI card at just ₹249/year. | Company Secretaries looking for a Lifetime Free card with 12 annual lounge visits and quarterly milestone rewards. | Companies and partnerships seeking centralized employee travel governance with airport lounge access. | High online shoppers and frequent flyers looking for direct statement cash returns and unlimited domestic lounge access. | Everyday online shoppers wanting direct statement credit on a modest ₹499 annual fee. | Commuters and households who refuel at Hindustan Petroleum outlets and pay monthly utility bills. | First-time cardholders and everyday neighborhood shoppers wanting a low-commitment credit card. | Frequent Gulf, European, and US travelers flying Etihad or looking for a 0% forex card that earns air miles. | Moderate online and dining spenders who want a ₹0 joining fee card with low waiver requirements. | Frequent railway commuters and families traveling in AC classes on Indian Railways. | Serving Indian Army soldiers, commissioned officers, cadets, and military veterans. | Serving Indian Navy sailors, commissioned officers, and retired naval veterans. | First-time borrowers, students, homemakers, or senior citizens building a credit history. | Chartered Accountants wanting a Lifetime Free card with 12 lounge visits, low 2% forex, and quarterly milestone bonuses. | Cost Accountants desiring a zero-fee card for airport lounges, indemnity cover, and official travel. | Assam Rifles personnel and veterans wanting a free UPI-enabled card with airport lounges and family shopping rewards. | Sole proprietors and self-employed individuals managing business utility expenses and vendor payouts. | Udyam-registered micro-enterprises needing low-interest formal credit and UPI working capital. | Customers of Bank of Baroda-sponsored regional rural banks in Uttar Pradesh, Rajasthan, and Gujarat. |
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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 milestoneLink 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.
Everyday shoppers who want to earn credit card rewards on all their daily UPI payments.
Accelerate point accumulation with 5X reward points on grocery shopping, departmental stores, movies, and dining out.
Households with regular grocery, supermarket, and family dining expenditures.
Enjoy virtually lifetime-free economics with the lowest spend waiver milestones in the Indian credit card industry.
Value-seeking cardholders who want premium features without recurring fee burdens.
Unwind in comfort whether traveling by flight or train with complimentary lounge access across major Indian transit hubs.
Frequent domestic travelers who use both flights and trains.
Save on every tank refill with a 1% fuel surcharge waiver valid across every oil marketing company in India.
Vehicle owners and frequent commuters.
Convert large purchases into affordable monthly installments and manage your card security seamlessly via mobile app.
Cardholders planning electronics or home renovation purchases needing flexible EMIs.
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)
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)
Unlimited domestic lounges, 2.0% forex markup, BookMyShow BOGO, 7X points
5X rewards on travel & dining, domestic airport lounges, RuPay UPI payments
5X rewards on shopping & dining, achievable ₹70k annual fee waiver
5X rewards on grocery & departmental, ₹35,000 spend waiver, RuPay UPI
Everything you need to know before applying for BOBCARD Limited Bank Of Baroda credit cards in India.
Find out your credit limit, approval probability, and lifetime free eligibility with 100% paperless verification and zero score impact.
