BOBCARD, the credit card subsidiary of Bank of Baroda, has expanded its portfolio significantly with cards catering to diverse needs—from travel enthusiasts and women-focused lifestyle cards to simple cashback options for everyday spenders. With the addition of co-branded partnerships like Etihad Airways and segment-specific cards like TIARA for women, BOBCARD now offers one of the most comprehensive credit card lineups among PSU banks.
In this detailed guide, we've organized all BOBCARD credit cards into two categories—Free/Low-Fee Cards and Premium Paid Cards—to help you quickly identify the right option based on your budget and lifestyle.What's Covered in This Guide
1. Free & Low-Fee BOBCARD Credit Cards
2. Premium Paid BOBCARD Credit Cards
3. Specialty & Co-branded Cards
4. Defence Personnel Exclusive Cards
5. Professional Cards (ICAI, ICSI, CMA)
6. How to Choose the Right BOBCARDSECTION 1: Free & Low-Fee BOBCARD Credit Cards
Annual Fee: ₹499 OR ₹49/month
Best For: Frequent online shoppers who want direct cashback without reward point hassles
Key Benefits:
• 5% cashback on eligible domestic online spends (capped at ₹1,500/month)
• 1% unlimited cashback on all other spends (offline + international)
• Auto-credit of cashback to statement every month—no redemption required
• 1% fuel surcharge waiver (₹400-₹5,000 transactions)
• Works with Google Pay for UPI payments
• Smart EMI option (6-48 months)
Joining Fee: ₹750 + GST
Annual Fee: ₹750 + GST (waived on ₹70,000 annual spend)
Best For: Regular online shoppers and diners
Key Benefits:
• 5X Reward Points on dining and online shopping
• 1 RP per ₹100 on other spends (1 RP = ₹0.20)
• Personal accident cover: ₹15 Lakh (air) / ₹5 Lakh (non-air)
• 1% fuel surcharge waiver
