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BOBCARD Select
Rewards
1st Year Fee: ₹750* Plus Applicable Taxes
Travel
Up to 10X extra rewards on travel spends
Rewards
5X rewards on dining & online spends
Fee Waiver
Fee waived on Rs. 70,000 annual spends
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About BOBCARD Select
BOBCARD Select is a rewards credit card with accelerated value-back on dining and online purchases. It also offers higher rewards on hotel and flight bookings made using BOBCARD SmartDeal with up to 10X extra rewards. However, this BoB credit card comes with a low reward redemption ratio of 5:1 which can limit the overall savings. In addition to the reward program, it comes with fee waiver options for both joining and annual fees. The spending conditions required to avail fee waivers are quite low and hence easily achievable for even the low-spenders. Read on to know in detail about the fees, features and benefits of BoB Select Credit Card.
Reward Program
Reward Earning Rate
- Extra 10X Rewards: 10 extra Reward points per Rs. 100 spent on hotels booked via BOBCARD SmartDeal
- Extra 4X Rewards: 4 extra Reward points per Rs. 100 spent on flights booked via BOBCARD SmartDeal
- 5X Rewards: 5 Reward points per Rs. 100 spent on dining and online purchases
- 1X Rewards: 1 Reward point per Rs. 100 spent on other categories1
Capping
- 5X rewards are capped at 1,000 Reward points per month, after which 1X reward rate will apply on all card spends
Reward Redemption
- 1 Reward Point = Rs. 0.20 as cashback
Other Features and Benefits
Welcome Benefit
- 500 Reward points on spending Rs. 5,000 within 60 days of card issuance
Fee Waiver
- Joining Fee: Waived on spending Rs. 7,500 within the first 60 days
- Annual Fee: Waived on spending Rs. 70,000 in a year
Fuel Benefit
- 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends of Rs. 400 to Rs. 5,000
Insurance Coverage
- Personal accidental death cover worth Rs. 15 lakh for air and Rs. 5 lakh for non-air accident, along with zero lost card liability cover
BoB Select Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 750 + applicable taxes | ||||||||||||||||
| Finance Charges | 3.75% per month i.e. 45% per annum | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You travel frequently and can maximise reward earnings by using BOBCARD SmartDeal for travel bookings
You are looking for a rewards credit card at a low annual fee which comes with a low fee waiver spending condition
You spend considerably on dining and online shopping
Eligibility Criteria:
Age (for salaried): 21 to 60 years
Age (for self-employed): 24 to 65 years
Net Annual Income: >Rs. 4.8 lakh
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What do we like about this card?
BOBCARD Select is a low annual fee card with good reward benefits. It offers accelerated bonus rewards on travel spends made on BOBCARD SmartDeal platform and also favours dining and overall online purchases through its reward program. Moreover, it lets the cardholders waive off the annual fee by merely making Rs. 70,000 spends in a year. This allows even the low-spenders to maximise their savings through rewards at minimal cost.
Pros
- Up to 10X extra rewards on travel spends
- Low spending milestone required for annual fee waiver
- 5X rewards on dining and online spends
Cons
- Low reward redemption value
- No lifestyle-related benefits beyond rewards
Frequently Asked Questions
Everything you need to know about this credit card
The applicant must have proof of identity, address and income, along with a recent passport size photograph, while applying for Bank of Baroda Credit Cards.
No, cardholders can get extra rewards on flight and hotel bookings made using BOBCARD SmartDeal platform only. All other travel spends outside this platform will earn the base reward rate of 1 Reward point per Rs. 100 spent.
5 reward points per Rs. 100 spent on online and dining spending categories have a combined capping of 1,000 reward points per month. After reaching this limit, these category spends would accrue 1 reward point per Rs. 100 spent.
The reward points that you earn on the spends made using BoB Select Credit card can be redeemed as cashback.
Yes, self-employed applicants between the age of 24 and 65 years and a net annual income of more than Rs. 4.8 lakh are eligible to get BoB Select Credit Card, subject to other internal policies of the card provider.
Footnotes
- Select categories, like fuel, agriculture, contractor, transportation, telecom, govt., rent, cleaning and maintenance, laundry, insurance, select personal services, education, hospital, charity, supermarket and convenience store, variety/retail stores, wallet and fast food restaurants, are excluded from the reward benefits.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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