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BOBCARD (Bank of Baroda) credit cards: 16 you can apply for

The best one for most people is BOBCARD Etihad Guest.

₹31,500a year after fees, at ₹75,000 a month

BOBCARD Etihad Guest credit card

BOBCARD Etihad Guest

₹31,500 a year, after fees

₹2,500 fee · Lounges in India and abroad · 1% forex markup · Reward rate 1%–3%

Its milestone pays only from ₹7.5 lakh a year — the low end of this range

Keep

It pays back the most of the 16 BOBCARD (Bank of Baroda) cards open to apply that we can value.

Rank all 16 at your own spend in the card finder

Verified 8 sources

Points and where they go

BOBCARD (Bank of Baroda)'s main points currency is BOBCARD Reward Points, worth ₹0.25 a point; it does not transfer to an airline or hotel. Its cards earn 4 kinds of points in all.

What BOBCARD (Bank of Baroda) cards earn
ProgrammeWorth a pointCardsPartners
BOBCARD Reward Points₹0.2540none
Etihad Guestevery way to earn them ₹1.002none
Uni Coins₹0.011none
Scapia Coins₹0.201none

1 more card pays cash back. Values are what we think a point is worth in India.

Recent changes

All 45 BOBCARD (Bank of Baroda) cards

Fees run ₹0 to ₹5,000, and 17 of them are genuinely free for life; 1 charges nothing a year but a joining fee to get in. Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 32 keep, 5 downgrade, 8 cancel.

Open to apply 16

  1. BOBCARD Etihad Guest credit card

    BOBCARD Etihad Guest

    ₹31,500 a year, after fees

    ₹2,500 fee · Lounges in India and abroad · 1% forex markup · Reward rate 1%–3%

    Its milestone pays only from ₹7.5 lakh a year — the low end of this range

    Keep

  2. BOBCARD Etihad Guest Premium credit card

    BOBCARD Etihad Guest Premium

    ₹22,900 a year, after fees

    ₹5,000 fee · Lounges in India and abroad · No forex markup · Reward rate 2%–6%

    Keep

  3. BOBCARD Eterna credit card

    BOBCARD Eterna

    ₹9,300 a year, after fees

    ₹0 joining + ₹2,499/yr · Lounges in India · 2% forex markup · Reward rate 0.8%–3.8%

    Ranked higher: its bonus category adds ₹6,800 a year

    Keep

  4. BOBCARD Cashback credit card

    BOBCARD Cashback

    ₹5,300 a year, after fees

    ₹499 fee · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹7,200 a year

    Keep

  5. BOBCARD Tiara credit card

    BOBCARD Tiara

    ₹4,300 a year, after fees

    ₹2,499 fee · Lounges in India · 2% forex markup · Reward rate 0.8%–3.8%

    Ranked higher: its bonus category adds ₹6,800 a year

    Keep

  6. BOBCARD Uni GoldX credit card

    BOBCARD Uni GoldX

    ₹7,600 a year, after fees

    ₹0 fee · No forex markup · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep

  7. Snapdeal BOBCARD

    ₹5,500 a year, after fees

    ₹249 fee · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep

  8. BOBCARD Premier

    ₹2,900 a year, after fees

    ₹0 joining + ₹1,000/yr · Lounges in India · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹4,500 a year

    Keep

8 more open to apply by value

  1. BOBCARD Premier (FD Backed)

    ₹2,900 a year, after fees

    ₹0 fee · Lounges in India · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹4,500 a year

    Keep

  2. HPCL ENERGIE BOBCARD credit card

    HPCL ENERGIE BOBCARD

    ₹2,100 a year, after fees

    ₹499 fee · Lounges in India · Reward rate 0.3%–4%

    Ranked higher: its bonus category adds ₹2,600 a year

    Keep

  3. BOBCARD Select (FD Backed)

    ₹1,200 a year, after fees

    ₹0 fee · Reward rate 0.2%–1%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  4. BOBCARD Easy (FD Backed)

    ₹1,200 a year, after fees

    ₹0 fee · Reward rate 0.2%–1%

    Ranked higher: its bonus category adds ₹1,100 a year

    Keep

  5. BOBCARD Swavlamban

    ₹1,900 a year, after fees

    ₹250 fee · Reward rate 0.8%

    Keep

  6. IRCTC BOBCARD

    ₹3,900 a year, after fees

    ₹500 joining + ₹350/yr · Reward rate 0.5%–10%

    Ranked higher: its bonus category adds ₹2,800 a year

    Downgrade

  7. BOBCARD Select

    ₹1,200 a year, after fees

    ₹0 joining + ₹750/yr · Reward rate 0.2%–1%

    Ranked higher: its bonus category adds ₹1,400 a year

    Downgrade

  8. BOBCARD Easy

    ₹1,200 a year, after fees

    ₹0 joining + ₹500/yr · Reward rate 0.2%–1%

    Ranked higher: its bonus category adds ₹1,100 a year

    Downgrade

Invite only 15

  1. Varunah Premium BOBCARD

    ₹4,300 a year, after fees

    ₹2,499 fee · Lounges in India · 2% forex markup · Reward rate 0.8%–3.8%

    Ranked higher: its bonus category adds ₹5,500 a year

    Keep Invite only

  2. ICAI Exclusive BOBCARD

    ₹5,400 a year, after fees

    ₹0 fee · Lounges in India · 2% forex markup · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹2,300 a year

    Keep Invite only

  3. ICSI Diamond BOBCARD

    ₹5,400 a year, after fees

    ₹0 fee · Lounges in India · 2% forex markup · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹2,300 a year

    Keep Invite only

  4. CMA One BOBCARD

    ₹5,400 a year, after fees

    ₹1 joining · Lounges in India · 2% forex markup · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹2,300 a year

    Keep Invite only

  5. Varunah Plus BOBCARD

    ₹2,900 a year, after fees

    ₹1,499 fee · Lounges in India · 2.5% forex markup · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹4,700 a year

    Keep Invite only

  6. UJJIVAN SFB Elite BOBCARD

    ₹2,900 a year, after fees

    ₹0 fee · Lounges in India · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹4,500 a year

    Keep Invite only

  7. Indian Army YODDHA BOBCARD

    ₹2,900 a year, after fees

    ₹0 fee · Lounges in India · 3% forex markup · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹2,300 a year

    Keep Invite only

  8. Assam Rifles SENTINEL BOBCARD

    ₹2,900 a year, after fees

    ₹0 fee · Lounges in India · 3% forex markup · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹2,300 a year

    Keep Invite only

7 more invite only by value

  1. Coast Guard RAKSHAMAH BOBCARD

    ₹2,900 a year, after fees

    ₹0 fee · Lounges in India · 3% forex markup · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹2,300 a year

    Keep Invite only

  2. PRAGATI BOBCARD (RRB)

    ₹1,400 a year, after fees

    ₹0 joining + ₹250/yr · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep Invite only

  3. Nainital Bank RENAISSANCE BOBCARD

    ₹1,400 a year, after fees

    ₹0 joining + ₹250/yr · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep Invite only

  4. UJJIVAN SFB Platinum BOBCARD

    ₹1,400 a year, after fees

    ₹0 fee · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep Invite only

  5. PM SVANidhi BOBCARD

    ₹1,800 a year, after fees

    ₹0 fee · Reward rate 0.2%

    Keep Invite only

  6. Varunah BOBCARD

    ₹1,400 a year, after fees

    ₹0 fee · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹1,400 a year

    Downgrade Invite only

  7. BOBCARD VIKRAM

    ₹1,400 a year, after fees

    ₹0 fee · 3% forex markup · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹1,400 a year

    Downgrade Invite only

Not confirmed on sale 3 cards

  1. Scapia (BOBCARD)

    ₹15,100 a year, after fees

    ₹0 fee · Lounges in India · No forex markup · Reward rate 2%–4%

    Keep

  2. BOBCARD Prime

    ₹2,300 a year, after fees

    ₹0 fee · Reward rate 0.4%

    Keep

  3. BOBCARD ConQR

    ₹2,300 a year, after fees

    ₹0 fee · Reward rate 0.3%

    Keep

Business cards 3 cards

  1. BOBCARD Micro Enterprise

    ₹2,300 a year, after fees

    ₹0 joining + ₹500/yr · Reward rate 0.3%

    Keep

  2. BOBCARD CORPORATE

    ₹2,300 a year, after fees

    ₹0 joining + ₹1,000/yr · Lounges in India · Reward rate 0.3%

    Keep

  3. BOBCARD EMPOWER

    ₹1,400 a year, after fees

    ₹0 joining + ₹500/yr · Reward rate 0.3%

    Keep

Closed or paused 8 cards

  1. BOB Financial Paytm Credit Card

    ₹7,000 a year, after fees

    ₹2,000 fee · Reward rate 1%–3%

    Ranked higher: its bonus category adds ₹3,600 a year

    Cancel Closed

  2. BOBCARD Select Platinum

    ₹4,500 a year, after fees

    ₹1,000 fee · Reward rate 0.5%

    Cancel Closed

  3. BOBCARD Signature

    ₹4,500 a year, after fees

    ₹1,000 fee · Reward rate 0.5%

    Cancel Closed

  4. BOBCARD Bombay Bullion

    ₹2,300 a year, after fees

    ₹500 joining + ₹1,000/yr · Reward rate 0.3%

    Cancel Closed

  5. BOBCARD Titanium

    ₹2,300 a year, after fees

    ₹250 joining + ₹500/yr · Reward rate 0.3%

    Cancel Closed

  6. BOBCARD Elite Platinum

    ₹2,300 a year, after fees

    ₹500 joining + ₹1,000/yr · Reward rate 0.3%

    Cancel Closed

  7. BOBCARD Assure

    ₹2,300 a year, after fees

    ₹500 fee · Reward rate 0.3%

    Cancel Closed

  8. BOBCARD Corporate Premium

    ₹1,300 a year, after fees

    ₹1,000 fee · Reward rate 0.3%

    Cancel Closed

Filter BOBCARD (Bank of Baroda) cards by fee, lounges or forex

Standard charges

The charges BOBCARD (Bank of Baroda) words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

BOBCARD (Bank of Baroda)'s standard charges
ChargeWhat the bank saysOur readCards
Interest (APR)3.75%/mo (45%/yr)High21 of 26
Late payment feeNil below ₹100; ₹100 (₹100–500); ₹400 (₹501–1,000); ₹750 (₹1,001–10,000); ₹950 (₹10,001–25,000); ₹1,100 (₹25,001–50,000); ₹1,300 (above ₹50,000)22 of 27
Cash withdrawal fee2.5% of the withdrawn amount or ₹500, whichever is higher17 of 27
Over-limit fee2.5% of the amount over the sanctioned limit or ₹600, whichever is higher18 of 27
Reward redemption feeNil, but 1,000 reward points minimum to redeem against the statementFree17 of 26

Cards counts the BOBCARD (Bank of Baroda) cards whose terms print this exact wording, out of those whose terms print the charge at all.

BOBCARD (Bank of Baroda) in RBI's figures

Cards in force
33,77,699
2.7% of India's cards
Spent in August 2026
₹3,683 crore
44% of it online
Spend per card
₹10,903
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The BOBCARD (Bank of Baroda) documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official Key Fact Statement PDF (17-Jul-2026 — replaces the 05-May edition; Eterna APR now the flat 3.75%/mo, 2% forex carve-out intact) read
  2. Official MITC-cum-KFS PDF (Premium forex 0%, ₹5,000 joining + annual, Annexure-1 zero-earn MCCs, once-per-period milestone rule, 1,000-mile twice-a-year Etihad flight bonus) read
  3. Official BOBCARD Scapia product page — ₹0 LTF, 0% forex, 20%/10%/5% coin rates (Visa min ₹20, RuPay min ₹500), ₹20k/month unlimited-lounge gate, zero-coin category list, Visa + RuPay read
  4. Official BOBCARD's product page — 'Zero Joining & Annual Fees', 2 reward points per ₹100 on all spends, the ₹0.20 redemption value and the guaranteed-issuance pitch read
  5. Official BOBCARD's product page — lifetime free, a ₹10,000 starting limit, 51 interest-free days, 1 reward point per ₹100 at ₹0.20, and the ban on cash and international use read
  6. Official IRCTC co-brand loyalty document — 10 TP/₹100 lean-season (15 Jan–31 Mar, 15 Jul–15 Sep) vs 4 TP/₹100 rest of year, 1 TP = 4 RP, 1 RP = ₹0.25, AC classes only read
  7. Official Uni GoldX MITC — Zero joining, annual and renewal fees, Nil forex markup and Nil currency-conversion charge, and 1 Uni Coin per ₹1 spent at one paisa a coin read
  8. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read