BOBCARD Credit Cards
Complete catalogue of all 5 BOBCARD credit cards with MITC verified data
Total
5
Cards
Zero Fee
1
Lifetime Free
BOBCARD 4-Pillar Issuer Benchmark
5 cards found
Top Recommended BOBCARD Credit Cards (2026)
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
BOBCARD Eterna
3.75% Reward value back on travel, dining & online shopping
BOBCARD Premier
5X Reward points on travel, dining & utility spends
BOBCARD EASY
5X Reward points on grocery & department store purchases
| Feature | BOBCARD Eterna | BOBCARD Premier | BOBCARD EASY |
|---|---|---|---|
| CardCheck Score | 85/100 | 59/100 | 56/100 |
| Rating Verdict | Excellent | Fair | Fair |
| Primary Benefit | BOB's flagship — 10 RP per ₹100 on intl/dining, unlimited domestic lounge | Mid-tier BOB card — 5 RP per ₹100 on dining/travel + 2 lounge/quarter | Entry-level BOB card — zero joining fee, affordable ₹399 annual fee |
| Annual Fee | ₹2,499 | ₹1,000 | ₹500 |
| Spend Fee Waiver | ₹2.5 Lakh Spend | ₹1.2 Lakh Spend | ₹35,000 Spend |
| Lounge Access | Unlimited Domestic | 4 Domestic / Year | — |
| Min Salary Target | ₹1,00,000 / month | ₹60,000 / month | ₹30,000 / month |
2026 BOBCARD Portfolio Verdict Matrix
At-a-glance verdicts to match your primary spend goal with the highest-earning BOBCARD card
| Spend Goal | Recommended Card | Key Reward Rate | Annual Fee & Waiver | CardCheck Verdict |
|---|---|---|---|---|
| Best Overall & Flagship | BOBCARD Premier Credit Card | Milestone Reward Points | ₹1,000 + GSTWaived at ₹1.2 Lakh spend | The BOBCARD Premier Credit Card is Bank of Baroda's mid-tier rewards card offering 5 Reward Points per ₹100 on dining, travel, and international spends, and 2.5 RP per ₹100 on all other transactions. Includes 2 domestic lounge visits per quarter via DreamFolks and a fuel surcharge waiver. The ₹999 annual fee is waived on ₹1.5 lakh annual spend. |
| Everyday Value & Cashback | BOBCARD EASY Credit Card | Milestone Reward Points | ₹500 + GSTWaived at ₹35,000 spend | The BOBCARD Easy Credit Card is Bank of Baroda's entry-level card with zero joining fee and a ₹399 annual fee (waived on ₹50,000 spend). It earns 2 Reward Points per ₹100 on grocery and utility bill payments and 1 RP per ₹100 on all other spends. Easy eligibility and a straightforward rewards structure make it a practical starter card for Bank of Baroda customers. |
| Starter / Low Annual Fee | BOBCARD PRIME Credit Card | Milestone Reward Points | Lifetime Free (₹0)Zero Fee Forever | The BOBCARD Prime Credit Card is Bank of Baroda's lifetime-free credit card offering basic Reward Points on all eligible spends. With zero joining fee and zero annual fee, it provides a no-cost entry into the Bank of Baroda credit card ecosystem. Earns 2 Reward Points per ₹100 on dining and groceries and 1 RP per ₹100 on all other spends. Includes a fuel surcharge waiver. |
| Travel & Lifestyle Perks | BOBCARD Cashback Credit Card | Milestone Reward Points | ₹499 + GST— | Top rated card by BOBCARD with competitive reward rates and benefits. |
Popular comparisons for BOBCARD Credit Cards
Side-by-side head-to-head match-ups based on real user spend patterns
BOBCARD Specifications & Essential Data (2026)
Official helpline contacts, forex markup rates, reward point rules, and eligibility standards
Official Helpline
1800 225 100 / 1800 103 1006
Forex Markup
2% – 3.52%
Points Expiry
2 Years
Min CIBIL Target
750+
BOBCARD Key Takeaways & Portfolio Highlights
How to Choose the Best BOBCARD Credit Card in 2026
BOBCARD offers a diverse portfolio of credit cards in India covering cashback, travel, rewards, and zero-annual-fee options. When choosing a card, compare the annual fee against your expected yearly spend to ensure fee waivers are achievable.
Evaluate cards based on primary benefits such as airport lounge access, accelerated reward points on online shopping, fuel surcharge waivers, and RuPay UPI support for seamless mobile payments.
All BOBCARD credit card details listed on CardCheck are verified directly against published Most Important Terms & Conditions (MITC) documents, ensuring 100% accurate fee structures and reward rules.
Frequently asked questions about BOBCARD credit cards
Verified answers regarding annual fees, lounge access, rewards, and eligibility
How many credit cards does BOBCARD offer in India?
BOBCARD offers 5 active credit cards across cashback, travel, rewards, fuel, and premium segments on CardCheck.
How to check eligibility for BOBCARD credit cards?
CardCheck provides an instant, zero-sign-up eligibility checker that matches your income and credit profile against BOBCARD's minimum requirements.
Are BOBCARD card fees verified on CardCheck?
Yes. All annual fees, joining charges, APR bands, and reward caps for BOBCARD cards are verified directly against published MITC documents.
How to waive annual fees on BOBCARD credit cards?
Most BOBCARD credit cards automatically waive annual fees when you reach published annual spend thresholds (typically ₹50,000 to ₹3 lakh per year).
Does BOBCARD offer airport lounge access?
Selected premium and travel cards from BOBCARD offer complimentary domestic and international airport lounge access. Filter cards on CardCheck by "Lounge access" to see full details.