This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same ~2.5% category earn and ₹1,000 fee, on RuPay - so it can be linked to UPI apps.
In-depth review
Bank of Baroda Premier Credit Card
Covers the categories it accelerates — dining, travel, international — at a rate that's fair but forgettable. The sensible default for a Bank of Baroda account holder who wants a mid-tier card without leaving the bank; unremarkable for anyone else. Its ₹1,000 fee is waived at ₹1.2 lakh of annual spend, so a regular user keeps it for nothing.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹125 in vouchers, points or cashback in year one — conditional on ₹5,000 of spend within 60 days of card set-up
2.5% on Dining
10 reward points per ₹100 (~2.5%) on dining — 5X accelerator, SHARED 2,000-RP cap per statement cycle across dining, travel and international
2.5% on International
10 reward points per ₹100 (~2.5%) on international spends — SHARED 2,000-RP cap per statement cycle across dining, travel and international
Airport Lounge Access
1 complimentary domestic airport lounge visit every calendar quarter. Since 1 Jan 2025 each visit requires at least ₹20,000 of spend in the PRECEDING calendar quarter — so a quiet quarter costs you the next one's visit
Annual Fee Waiver
Fee of ₹1,000 + 18% GST (₹1,180 all-in)/yr fully waived when you spend ₹1,20,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
Insurance Cover
Personal accident cover withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026)
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
2.5%
Travel reward rate
- Domestic airport lounge access (4 domestic visits/yr, worth ~₹2,000)
- 2.5% effective return on travel bookings
- Travel insurance cover included
For Bank of Baroda customers who spend on travel, dining and international and want a low-fee category earner, and who will put about ₹10,000 a month on it to keep the annual fee waived.
Full reward structure
What you earn on every rupee, per spend category — as of 23 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2.5%10 pts/₹100 × ₹0.25 | ₹500one cap shared with International, Travel |
| International | reward points | 2.5%10 pts/₹100 × ₹0.25 | ₹500one cap shared with Dining, Travel |
| Travel | reward points | 2.5%10 pts/₹100 × ₹0.25 | ₹500one cap shared with Dining, International |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
Dining: 10 reward points per ₹100 (~2.5%) on dining — 5X accelerator, SHARED 2,000-RP cap per statement cycle across dining, travel and international
International: 10 reward points per ₹100 (~2.5%) on international spends — SHARED 2,000-RP cap per statement cycle across dining, travel and international
Travel: 10 reward points per ₹100 (~2.5%) on travel — 5X accelerator, SHARED 2,000-RP cap per statement cycle across dining, travel and international
Other: 2 reward points per ₹100 (~0.5%) on all other spends
Earns nothing on: Fuel · Rent · Wallet Loads · Insurance · Education
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 23 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,180 |
| Joining fee (incl. 18% GST) | ₹1,180 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Estimated annual value beyond rewards — ~₹2,600/yr in total.
1 complimentary domestic airport lounge visit every calendar quarter. Since 1 Jan 2025 each visit requires at least ₹20,000 of spend in the PRECEDING calendar quarter — so a quiet quarter costs you the next one's visit
Personal accident cover withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026)
1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions, max ₹250 per statement cycle. Fuel spends earn no reward points
Should you get it?
- Best for: Everyday spenders, Online shoppers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (2.5% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Strong rewards that can offset the annual fee for the right spender
- 500-point welcome bonus (~₹125) on ₹5,000 of spend within 60 days
- Simple, accessible entry/mid-tier card
✕ Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
- Personal accident cover withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026)
Eligibility & documents
This is the figure for salaried applicants. Where BOBCARD sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
What your BOB Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
Same-fee cards from SBI and HDFC out-earn it in every category — its only edge is the existing BOB relationship.
Frequently asked questions
What is the annual fee for the Bank of Baroda Premier Credit Card?
What is the foreign currency markup?
Is there a fuel surcharge waiver?
What is the minimum age and income to apply?
How has the Bank of Baroda Premier Credit Card changed over time?
Has the Bank of Baroda Premier Credit Card been devalued recently?
When did the Bank of Baroda Premier Credit Card's fees last change?
How did the Bank of Baroda Premier Credit Card change in 2026?
The bottom line
Premier is a tidy mid-tier card: the 5X (10 RP/₹100) on travel/dining/international is genuinely useful within the 2,000-point monthly cap, and the ₹1,000 fee is waived for anyone who spends ₹1.2 lakh a year on it. The 2 RP base is forgettable, so keep it for its accelerator categories.
How this page was built
Counted from this card’s own record: 4 earn rules, 3 of them capped, the spends listed as earning nothing and 3 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 23 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Bank of Baroda Premier Credit Card are taken from BOBCARD's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 23 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Read more
Guides and reviews related to this card.
Bank of Baroda Premier Credit Card
Covers the categories it accelerates — dining, travel, international — at a rate that's fair but forgettable. The sensible default for a Bank of Baroda account holder who wants a mid-tier card without leaving the bank; unremarkable for anyone else. Its ₹1,000 fee is waived at ₹1.2 lakh of annual spend, so a regular user keeps it for nothing.
Bank of Baroda Eterna Credit Card
The best card Bank of Baroda makes — 3.75% on online, travel, dining and international spends plus unlimited domestic lounges, for a ₹2,499 fee that waives at ₹2.5 lakh of spend. On rate alone it punches well above BOB's reputation. The one persistent catch is redemption: BOB's shallow catalogue makes extracting the full 3.75% harder than earning it.
Bank of Baroda Tiara Credit Card
Most premium cards differentiate on reward rate; the BOBCARD Tiara differentiates on who it's for. A women-first card anchored by complimentary health screenings (Pap smear, mammography) that almost no other Indian card offers, plus 5X rewards, unlimited domestic lounges and lifestyle memberships. For women who'll use the health benefit, it's an easy card to like — held back only by BOB's thin rewards ecosystem.
BOBCARD Select Credit Card
BOBCARD Select is the BOBCARD Easy's engine with dining and online swapped in as the 5X categories, for ₹250 more a year — 5 reward points per ₹100 (~1% at Bank of Baroda's official ₹0.20/point) on those two, capped at 1,000 points per statement cycle SHARED across both, and 1 RP per ₹100 elsewhere, which is the same base rate the cheaper Easy already gives. No lounge access, and it cannot be linked to UPI. Judge it on whether dining and online are genuinely your two biggest categories — that pairing is the only thing the extra ₹250 buys.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2019 · last change Jul 2026
2026
- ▼ BenefitObserved 17 Jun 2026 · Effective 15 Jul 2026
Complimentary accidental death insurance withdrawn
Air ₹50 lakh + non-air ₹10 lakh accidental death cover→No complimentary accidental death cover
BOBCARD withdrew the complimentary air and non-air accidental death insurance the Premier carried. Cards issued after 15 July 2026 get no cover, and existing cardholders lose it from 25 August 2026.
Verification: BOBCARD ↗ · Confidence: High
- ▼ FeeEffective 1 Apr 2026
Processing fees added on toll/bus, high-value rail and third-party education spends
None→1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
From 1 April 2026 BOBCARD applied a 1% processing fee across almost all its cards: on toll and bus (MCC 4784) spends of ₹5,000 or more, on railway bookings (MCC 4112) of ₹30,000 or more (capped ₹5,000), and on education-fee payments made through third-party apps such as CRED, Paytm, PhonePe and MobiKwik (capped ₹5,000).
Verification: BOBCARD ↗ · Confidence: High
2025
- ▼ FeeEffective 1 Jul 2025
Finance charge raised to 3.75% per month
3.25% per month (39% p.a.)→3.75% per month (45% p.a.)
Effective 1 July 2025 BOBCARD revised the monthly finance charge on carried balances and cash advances to 3.75% (45% a year) for all card variants except Eterna, Eterna FD and Tiara. This is the change behind the card's current 3.75%/month rate — it only applies if you revolve a balance or take a cash advance.
Verification: BOBCARD ↗ · Confidence: High
- ▼ RedemptionEffective 1 Jul 2025
Minimum redemption raised to 1,000 points
Lower / no fixed minimum→1,000 points minimum
Effective 1 July 2025 redeeming reward points against the statement balance requires a minimum of 1,000 points, applied across all BOBCARD credit-card variants — a small delay to when points become usable.
Verification: BOBCARD ↗ · Confidence: High
- ▲ RewardEffective 1 Jul 2025
Utility bill payments earn reward points again
No reward points on utility bills→Core reward points restored on utility bills
From 1 July 2025 BOBCARD restored core reward points on utility bill payments (MCC 4900 — electricity, gas, water) across all variants, partly reversing the July 2024 special-category cull that had zeroed them out. Earning is at the card's core base rate, not an accelerated rate.
Verification: BOBCARD ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/bob-premier#value-timeline">Bank of Baroda Premier Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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