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The issuer board

Every BOBCARD (Bank of Baroda) credit card.

46 cards on the desk, ranked #12 to #1116 against every other card in India — not against each other. Fees run ₹0 to ₹5,000, and 18 of them are genuinely free for life.

how this board is ordered fold that back up

Ordered by our board, best first. The rank is the card's position among all Indian cards we price, so a gap between two rows is other issuers' cards sitting between them.

RBI, July 2026: 32,76,029 cards in force — 2.7% of every credit card in India · ₹3,732 cr spent on them that month, 47% of it online.

The one worth having

#12 in India Keep

BOBCARD Etihad Guest Premium

The last clean pipe into Etihad Guest — 2 miles/₹100, 0% forex, milestone confetti.

₹1,26,640 ranking value a year at ₹3L/month
₹5,000 fee what it costs
2.0% headline earn rate
Read the verdict →

Narrow 46 BOBCARD (Bank of Baroda) cards

network, lounges, the fine print and what you can be approved for fold that back up

The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.

The board

All 46 priced cards, best to worst.

rank · card · fee (what you pay to get it) · headline earn rate, per ₹100 of ordinary spend · verdict

  1. #12 BOBCARD Etihad Guest Premium ₹5,000 fee 2.0% Keep
  2. #54 BOBCARD Etihad Guest ₹2,500 fee 1.0% Keep
  3. #66 BOBCARD Eterna ₹2,499 fee 0.8% Keep
  4. #67 BOBCARD Tiara ₹2,499 fee 0.8% Keep
  5. #147 BOBCARD Premier ₹1,000 fee 0.5% Keep
  6. #155 IRCTC BOBCARD ₹500 joining + ₹350/yr 0.5% Downgrade
  7. #158 HPCL ENERGIE BOBCARD ₹499 fee 0.3% Keep
  8. #163 BOBCARD Uni GoldX ₹0 fee 1.0% Keep
  9. #336 BOBCARD Cashback ₹499 fee 1.0% Keep
  10. #337 Snapdeal BOBCARD ₹249 fee 1.0% Keep
  11. #338 BOBCARD Select ₹750 fee 0.2% Downgrade
  12. #339 BOBCARD Easy ₹500 fee 0.2% Downgrade
  13. #340 ICAI Exclusive BOBCARD ₹0 fee 0.3% Keep
  14. #341 ICSI Diamond BOBCARD ₹0 fee 0.3% Keep
  15. #342 CMA One BOBCARD ₹1 joining 0.3% Keep
the remaining 31 BOBCARD (Bank of Baroda) cards, #343–#1116
  1. #343 Varunah Premium BOBCARD ₹2,499 fee 0.8% Keep
  2. #344 Varunah Plus BOBCARD ₹1,499 fee 0.5% Keep
  3. #345 Varunah BOBCARD ₹0 fee 0.3% Downgrade
  4. #346 Indian Army YODDHA BOBCARD ₹0 fee 0.5% Keep
  5. #347 Assam Rifles SENTINEL BOBCARD ₹0 fee 0.5% Keep
  6. #348 Coast Guard RAKSHAMAH BOBCARD ₹0 fee 0.5% Keep
  7. #349 BOBCARD VIKRAM ₹0 fee 0.3% Downgrade
  8. #350 PRAGATI BOBCARD (RRB) ₹0 joining + ₹250/yr 0.3% Keep
  9. #351 Nainital Bank RENAISSANCE ₹0 joining + ₹250/yr 0.3% Keep
  10. #352 PM SVANidhi BOBCARD ₹0 fee 0.2% Keep
  11. #469 Nainital Bank RENAISSANCE BOBCARD ₹0 joining + ₹250/yr 0.3% Keep
  12. #470 BOBCARD Swavlamban ₹250 fee 0.8% Keep
  13. #471 UJJIVAN SFB Platinum BOBCARD ₹0 fee 0.3% Keep
  14. #472 UJJIVAN SFB Elite BOBCARD ₹0 fee 0.5% Keep
  15. #473 BOBCARD EMPOWER ₹0 joining + ₹500/yr 0.3% Keep
  16. #572 BOBCARD Easy (FD Backed) ₹0 fee 0.2% Keep
  17. #573 BOBCARD Select (FD Backed) ₹0 fee 0.2% Keep
  18. #574 BOBCARD Premier (FD Backed) ₹0 fee 0.5% Keep
  19. #585 Scapia (BOBCARD) ₹0 fee 2.0% Keep
  20. #634 BOBCARD Prime ₹0 fee 0.4% Keep
  21. #654 BOBCARD ConQR ₹0 fee 0.3% Keep
  22. #655 BOBCARD Micro Enterprise ₹0 joining + ₹500/yr 0.3% Keep
  23. #656 BOBCARD CORPORATE ₹0 joining + ₹1,000/yr 0.3% Keep
  24. #1042 BOBCARD Bombay Bullion ₹500 joining + ₹1,000/yr 0.3% Cancel
  25. #1110 BOBCARD Titanium ₹250 joining + ₹500/yr 0.3% Cancel
  26. #1111 BOBCARD Elite Platinum ₹500 joining + ₹1,000/yr 0.3% Cancel
  27. #1112 BOBCARD Select Platinum ₹1,000 fee 0.5% Cancel
  28. #1113 BOBCARD Signature ₹1,000 fee 0.5% Cancel
  29. #1114 BOBCARD Assure ₹500 fee 0.3% Cancel
  30. #1115 BOB Financial Paytm Credit Card ₹2,000 fee 1.0% Cancel
  31. #1116 BOBCARD Corporate Premium ₹1,000 fee 0.3% Cancel

Our standing verdicts

33 keep · 5 downgrade · 8 cancel

What these cards pay in

BOBCARD Reward Points · Etihad Guest · Uni Coins · Statement cashback (₹)