BOBCARD Select
A mid-entry reward card designed for online shopping and dining spends. Offered with a ₹0 joining fee and a ₹750 annual fee (waived at ₹70,000 annual spend), it provides 5X reward points on online purchases and dining alongside complimentary personal accident insurance cover.
Why We Recommend The BOBCARD Select
A straightforward online and dining rewards card, though pure online shoppers will extract higher value from the BOBCARD Cashback card.
Moderate online and dining spenders who want a ₹0 joining fee card with low waiver requirements.
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 Select
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: ₹0.20
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD Select
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 Select
Transparent assessment of travel and airport lounge conditions bundled with this card tier.
Not available
This card focuses rewards on retail, shopping, and everyday cashback rather than travel lounges. Paid access is available at standard airport counter rates.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes BOBCARD Select Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
5X reward points across online retail portals and dining spends.
Zero joining fee and a low annual fee waiver target of ₹70,000.
Complimentary personal accidental death insurance protection: ₹15 Lakhs (Air) and ₹5 Lakhs (Non-Air).
Honest Pros & Cons of the BOBCARD Select
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Zero joining fee for the first year with a modest ₹70,000 annual waiver requirement.
- Includes built-in air and non-air accidental insurance cover.
- 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000 (up to ₹250/cycle).
Things to Consider (Cons)
- Point redemption value is ₹0.20 per RP, resulting in a 1.00% effective return on 5X categories.
- Accelerated 5X rewards are capped at 1,000 RPs per statement cycle.
- Heavily overshadowed by the BOBCARD Cashback card (which gives 5% cashback at a lower ₹499 fee).
Who Can Apply for the BOBCARD Select?
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
700+ Score Recommended
Applicants with a score above 700 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 Select
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD Select is ₹750 + 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 ₹70,000 or more. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD Select features: 5X Reward Points (5 RPs per ₹100 = 1.00% return) on online purchases and dining.
Base reward: 1 Reward Point per ₹100 on general retail spends (0.20% return).
Accelerated reward: 5 Reward Points per ₹100 spent on online shopping and dining (capped at 1,000 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.
Explore Similar Cards from BOBCARD Limited (Bank of Baroda)
Compare reward structures, annual renewal fees, and airport lounge perks across alternative options.
BOBCARD Cashback
Designed as an economical cashback solution, the BOBCARD Cashback Credit Card provides a 5% direct statement return on domestic online transactions and an unlimited 1% return on eligible offline spends. With flexible fee options of ₹49/month or ₹499/year, it automatically credits savings to the next monthly statement.
BOBCARD CMA One
Completing BOBCARD’s institutional accounting suite, the CMA One card is dedicated to members of the Institute of Cost Accountants of India (ICMAI). Issued Lifetime Free, it pairs 12 domestic airport lounge visits per year with quarterly milestone bonuses of 4,000 points, a reduced 2.00% forex markup, and ₹5 Lakhs Professional Indemnity Insurance.
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 Select?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.