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BOBCARD Premier
Travel
Dining
Rewards
1st Year Fee: ₹1,000* Plus Applicable Taxes
Travel
5X rewards on travel spends
Dining
5X rewards on dining spends
Fuel
Up to Rs. 3,000 annual savings on fuel
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About Bank of Baroda Premier Credit Card
Bank of Baroda Premier Credit Card is primarily a travel credit card offering 5X (2.5%) rewards on travel and international spends, along with complimentary domestic lounge visits. Besides travel, the card also offers 2.5% value-back on dining spends as well. Cardholders can redeem the accumulated reward points against cashback at a value of 1 RP = Rs. 0.25.
Despite travel being the primary category of this card, it lags behind when it comes to forex markup fees and international lounge visits. While the card offers accelerated rewards on international spends, charging a high forex markup fee of 3.5% nullifies this benefit. Overall, this BoB credit card does not have much to offer apart from travel and dining benefits. Consumers who frequently travel or dine out can consider this card to save on their travel and dining spends.
Rewards Program
Rewards Program
- 10 reward points for every Rs. 100 spent on travel, dining & international spends1
- 8 reward points for every Rs. 100 spent on flight bookings via BOBCard SmartDeal
- 20 reward points for every Rs. 100 spent on hotel bookings via BOBCard SmartDeal
- 2 reward points for every Rs. 100 spent on other categories2
- Redeem accumulated reward points against cashback at a value of 1 RP = Rs. 0.25
Other Features & Benefits
Complimentary Lounge Access
- 1 complimentary domestic lounge visit every quarter on spending Rs. 20,000 in the previous quarter
Welcome Benefit
- 500 bonus reward points on spending Rs. 5,000 within 60 days of card issuance
Joining & Annual Waiver
- Joining fee waiver on spending Rs. 10,000 in the first 60 days
- Annual fee waiver on spending Rs. 1.2 Lakh in a year
Bank of Baroda Premier Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 1,000 + Applicable Taxes | ||||||||||||||||
| Annual Fee | Rs. 1,000 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 3.75% p.m. (45% p.a.) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You are looking for a credit card that offers accelerated rewards on travel & international spends
You prefer to redeem accumulated reward points for cashback
You can spend Rs. 1.2 Lakh in a year to avail annual fee waiver
You spend frequently on dining and are looking for a card to save on dining bills
Eligibility Criteria
Age Requirement for Salaried: 21 to 60 years
Age Requirement for Self-employed: 24 to 65 years
Annual Income Requirement: Rs. 7.2 Lakh for Salaried/Self-employed
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What do we like about this card?
With 2.5% value-back on travel and international spends, along with complimentary domestic lounge visits, this card is a suitable option for frequent travellers. Besides this, it also offers 5X rewards on dining spends, enhancing the card’s value for those who dine out often. However, apart from rewards and travel benefits, this credit card doesn’t have much to offer, it comes with basic benefits, including fuel surcharge waiver and joining/annual fee waiver. Also, the high forex markup fee of 3.5% nullifies the accelerated rewards on international spends. Overall, frequent travellers looking to save on their travel spends can consider this card.
Pros
- 2.5% reward rate on travel & dining spends
- Joining and annual fee waiver benefits
- Complimentary domestic lounge visits
- Up to Rs. 3,000 savings on fuel every year
Cons
- High forex markup fee of 3.5%
- Low reward rate of 0.5% on other spends
- Low reward redemption value (1 RP = Rs. 0.25)
- No complimentary international lounge visits
Frequently Asked Questions
Everything you need to know about this credit card
BoB Premier Credit Card stands out for offering better rewards on travel, dining, and international spends compared to entry-level cards like Easy or Select. It’s designed for frequent spenders who want a balance of rewards, lifestyle perks, and travel benefits without a very high annual fee.
The joining fee is Rs. 1,000 + taxes, which is also applicable as the annual fee from the second year. However, the annual fee can be waived off on spending Rs. 1.2 Lakh or more in a year, making it a cost-effective option for regular users.
Yes, the card offers complimentary domestic airport lounge access every quarter. It’s a good choice for those who travel frequently within India. However, it doesn’t currently offer international lounge access.
Yes, you can easily convert eligible purchases of Rs. 2,500 or more into EMIs through the BoB credit card portal or mobile app. This helps you manage large expenses by spreading payments across 3 to 24 months at attractive interest rates.
The card offers 1% fuel surcharge waiver at all fuel stations across India for transactions between Rs. 400 and 5,000. The maximum waiver is capped at Rs. 250 per statement cycle.
You can track your application status online via Bank of Baroda Credit Card website by entering your application reference number and mobile number. Alternatively, you can call Bank of Baroda credit card customer care for more details.
To request a credit limit increase, you can contact BoB Card customer care or apply through your net banking account. The bank may review your spending pattern, payment history, and income proof before approving a limit enhancement.
You can reach BoB Financial’s customer care by calling 1800 2665 100 (toll-free) or by emailing bobcardservice@bobfinancial.com. You can also visit the nearest Bank of Baroda branch for card-related assistance.
Yes, the card levies a foreign currency markup fee of 3.5% on international transactions. Despite this, it offers accelerated reward points on international spends, making it moderately rewarding for occasional foreign use.
In case of loss or theft, you should immediately call BoB Financial’s 24×7 helpline (1800 2665 100) or use the BoB World app to block your card. A replacement card will be issued after verification, and applicable charges may apply.
Footnotes
- Cardholders can earn a maximum of 2,000 reward points in a month.
- Fuel spends will not earn any reward points.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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