In-depth review
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.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹100 in vouchers, points or cashback in year one — conditional on ₹5,000 of spend within 60 days of card set-up
1% on Dining
5X — 5 reward points per ₹100 (~1% at ₹0.20/point) on dining (MCC 5812). The 5X earn is capped at 1,000 points per statement cycle, SHARED with online; beyond that, spends earn the 1 RP/₹100 base
1% on Online Shopping
5X — 5 reward points per ₹100 (~1% at ₹0.20/point) on online spends. Capped at 1,000 points per cycle, SHARED with dining. UPI and utility (MCC 4900) spends are excluded from the 5X rate
Annual Fee Waiver
Fee of ₹750 + 18% GST (₹885 all-in)/yr fully waived when you spend ₹70,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
Insurance Cover
Personal accident cover (₹15 lakh air / ₹5 lakh non-air) withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026). BOB's page still advertises it — the dated MITC governs
An existing Bank of Baroda customer whose dining and online spend lands near ₹20,000 a month — that is exactly where the 1,000-point cap bites, and beyond it you are earning the same 0.2% as the cheaper Easy. If your spend is well under that, Easy costs ₹250 less for the same base rate; if you want lounge access, only Premier has it.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.20. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 1%5 pts/₹100 × ₹0.20 | ₹200one cap shared with Online Shopping |
| Online Shopping | reward points | 1%5 pts/₹100 × ₹0.20 | ₹200one cap shared with Dining |
| Other | reward points | 0.2%1 pts/₹100 × ₹0.20 | — |
Dining: 5X — 5 reward points per ₹100 (~1% at ₹0.20/point) on dining (MCC 5812). The 5X earn is capped at 1,000 points per statement cycle, SHARED with online; beyond that, spends earn the 1 RP/₹100 base
Online Shopping: 5X — 5 reward points per ₹100 (~1% at ₹0.20/point) on online spends. Capped at 1,000 points per cycle, SHARED with dining. UPI and utility (MCC 4900) spends are excluded from the 5X rate
Other: 1 reward point per ₹100 (~0.2% at ₹0.20/point) on other spends — the same base rate as the cheaper BOBCARD Easy
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 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹885 |
| Joining fee (incl. 18% GST) | ₹885 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Estimated annual value beyond rewards — ~₹1,200/yr in total.
1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions, max ₹250 per statement cycle. Fuel spends themselves earn no reward points
Personal accident cover (₹15 lakh air / ₹5 lakh non-air) withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026). BOB's page still advertises it — the dated MITC governs
Should you get it?
- Best for: Bank of Baroda customer whose dining and online spend is the bulk of their card use, Everyday dining and online spender at around ₹20,000/month across the two, Wants a low fee-waiver bar rather than lounge access
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (1% back).
Pros & cons
✓ Pros
- 5 RP/₹100 (~1%) on dining and online spends
- Low ₹70,000 fee-waiver threshold
- 1% fuel surcharge waiver
✕ Cons
- BoB points at ₹0.20 pull the bonus-category return to ~1%
- Personal accident cover withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026)
- The 1,000-point 5X cap is SHARED across dining and online — roughly ₹20,000 of combined monthly spend
- Base rate (1 RP/₹100) is identical to the ₹250-cheaper BOBCARD Easy
- No lounge access and no golf — only Premier adds lounges
- Cannot be linked to UPI — Bank of Baroda links only its RuPay cards to UPI apps
- Annual fee applies unless the ₹70,000 spend waiver is met
- 3.5% forex markup — not for international transactions
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 (₹0.20/point)
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁BOBCARD SmartDeal portal: 4 points per ₹100 on flights and 10 points per ₹100 on hotels
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
The 1,000-point cycle cap is shared across dining and online, so the 5X quietly stops at roughly ₹20,000 of combined monthly spend — and the base rate you drop to is the same 1 RP/₹100 the ₹250-cheaper Easy already gives you.
Frequently asked questions
Can I use it on UPI?
How many reward points does it earn?
Is the 5X rate capped?
What is the annual fee waiver?
How is it different from the cheaper BOBCARD Easy?
How has the BOBCARD Select Credit Card changed over time?
Has the BOBCARD Select Credit Card been devalued recently?
When did the BOBCARD Select Credit Card's fees last change?
How did the BOBCARD Select Credit Card change in 2026?
The bottom line
Select is a competent, unexciting card whose case rests entirely on whether dining and online are genuinely your two biggest categories — because that pairing is the only thing you are buying over the cheaper Easy. At ₹0.20 a point the 5X works out near 1%, and the shared 1,000-point cycle cap keeps the total modest. Judge it on the category fit and the ₹70,000 waiver bar, not on the headline 5X.
How this page was built
Counted from this card’s own record: 3 earn rules, 2 of them capped, the spends listed as earning nothing and 2 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 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the BOBCARD Select Credit Card are taken from BOBCARD's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 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.
Similar & related cards
Other cards worth comparing before you apply.
Bank of Baroda Premier Credit Card
Same tier with similar rewards
Axis Bank Rewards Credit Card
Comparable AXIS option
Standard Chartered Manhattan Platinum Credit Card
Comparable SC option
ICICI Bank Coral Credit Card
Comparable ICICI option
AU Laksya Credit Card
Comparable AU option
YES Bank Essence Credit Card
Comparable YES option
Read more
Guides and reviews related to this card.
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.
BOBCARD Easy Credit Card
BOBCARD Easy is Bank of Baroda's entry-level RuPay rewards card — 5 reward points per ₹100 (~1% at ₹0.20/point) on movies and departmental stores, 1 RP elsewhere, with a low ₹35,000 fee-waiver bar and UPI linking. A sensible first card for modest spenders; the ₹0.20 point value keeps the real return around 1%, so higher spenders out-earn it with a flat-cashback card.
IRCTC BOBCARD RuPay Credit Card
The IRCTC BOBCARD is a railway co-brand for frequent train travellers: 16 reward points per ₹100 (~4% at ₹0.25/point) on IRCTC AC-class tickets year-round, rising to 40 RP/₹100 (~10%) only in two seasonal windows, plus railway lounge access and a surcharge waiver. The eye-catching 10% is seasonal — the card's real value tracks the ~4% standard rate and how much you book by rail.
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 2018 · last change Jul 2026
2026
- ▼ BenefitObserved 17 Jun 2026 · Effective 15 Jul 2026
Accidental death insurance withdrawn
₹15 lakh air + ₹5 lakh non-air accidental death cover→Withdrawn
BOBCARD's July-2026 revision withdraws the complimentary air and non-air accidental death cover that Select carried. Cards issued after 15 Jul 2026 get no cover, and existing cardholders keep it only until 25 Aug 2026 — removing the card's one insurance benefit.
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.
</> Embed this timeline on your site
Free to use. Facts only — dates, changes and before/after values. Please keep the credit line below the frame: it's the only part search engines can see, and it's what we ask for in return.
“ Cite this timeline
Quoting a date or a before/after figure? Copy the HTML version — it credits the record with a working link.
Source: <a href="https://cardadvisor.in/cards/bob-select#value-timeline">BOBCARD Select Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
Want to know if this beats your current card for your spending?
Applications are submitted to and decided by BOBCARD. CardAdvisor does not issue cards or process applications.