BOBCARD Premier
A versatile mid-tier lifestyle card offered with ₹0 joining fee. It delivers 5X reward points (10 RPs per ₹100, equivalent to a 2.5% return) across dining, travel bookings, and international spends, backed by quarterly domestic airport lounge visits and a ₹1,20,000 annual spend waiver threshold.
Why We Recommend The BOBCARD Premier
A dependable mid-tier credit card that balances dining and travel rewards with a ₹0 first-year fee.
Working professionals looking for dining perks, travel rewards, and quarterly domestic lounge visits.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD Premier
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD Premier
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Premier
Experience complimentary gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary visits per calendar year (max 1 per quarter)
Valid across 40+ premier domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes BOBCARD Premier Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
5X Reward Points (2.5% value back) on dining, travel, and overseas spends.
Zero joining fee and an achievable annual fee waiver target of ₹1,20,000.
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250/cycle).
Honest Pros & Cons of the BOBCARD Premier
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Zero joining fee makes first-year entry completely cost-free.
- Solid 2.5% return on weekend dining and travel bookings.
- Points convert directly to statement cashback at ₹0.25 per point.
Things to Consider (Cons)
- Accelerated 5X rewards are capped at 2,000 RPs per statement cycle.
- Quarterly cap of 1 domestic airport lounge visit (requires ₹20,000 prior-quarter spend).
- Standard 3.50% foreign exchange markup despite the accelerated international reward tier.
Who Can Apply for the BOBCARD Premier?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
720+ Score Recommended
Applicants with a score above 720 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Premier
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD Premier is ₹1,000 + GST.
You can have this fee completely waived by meeting the annual spend milestone: Joining fee ₹0 (w.e.f. 1st Sep 2026); Annual fee waived on annual spends of ₹1,20,000 or more. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD Premier features: 5X Reward Points (10 RPs per ₹100 = 2.5% return) on dining, travel, and international spends.
Base reward: 2 Reward Points per ₹100 spent on generic spends (0.50% return).
Accelerated reward: 10 Reward Points per ₹100 spent on dining, travel, and international purchases (capped at 2,000 RPs per statement cycle).
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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BOBCARD Cashback
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BOBCARD Corporate
An institutional corporate card created for companies and partnerships to govern employee travel, lodging, and business expenses. Issued with zero joining fee and a ₹1,000 annual fee (waived on ₹1,00,000 annual spend), it features fourth-line company name embossing, categorized employee spend statements, and 8 domestic airport lounge visits annually.
Ready to Apply for the BOBCARD Premier?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.