Our Money Guide

Bank of Baroda Select Credit Card is an entry level card from Bank of Baroda. It gives higher benefits on select categories – online shopping and dining. But the overall reward rates are quite low.

It can be a good card choice to begin your credit journey, in case you do not qualify for higher reward cards. It also has a low annual spend target to make the card virtually free. 

Brief Summary

Our Rating
3.25 / 5

Our View

The card gives 1.25% cashback on dining spends and online shopping. Overall reward rates are low. It is an entry level level card from BOB, and can be a good choice in case you do not qualify for higher reward rate cards.

The card can be virtually free if you spend ₹70,000 or more on your card each year.

on BOB Financial website

Bank of Baroda Select Credit Card

Special Benefits

1.25% benefit on ‘online shopping’ and dining spends

Other Benefits

1% fuel surcharge waiver

Minimum Income

Not specified

Annual Fee

₹ 750

Annual Fee Offers

Welcome offer worth ₹750
Renewal fee waived at ₹70,000 annual card spend

Comparison of Bank of Baroda Credit Cards

Features
Eterna Credit Card
Our Rating
       
APPLY NOW
IRCTC BoB Rupay Credit Card
Our Rating
       
APPLY NOW
Snapdeal Credit Card
Our Rating
       
APPLY NOW
Premier Credit Card
Our Rating
       
APPLY NOW
Prime Credit Card
Our Rating
       
APPLY NOW
Cashback Rates 1.5% – 3%

2%

5%

1% – 5%

0.25% 0.5%

Other benefits Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge
Annual Fee ₹2499

₹500

₹249

₹1000

Nil

Annual Fee Offers Annual Fee Reversal on meeting ₹2,50,000 spends Nil Nil Annual Fee Reversal on meeting ₹1,20,000 spends Nil
Minimum Income ₹ 12 Lakhs per annum or more

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

Not Specified Nil

Bank of Baroda Select Credit Card : Summary Table

1.25% benefit on ‘online shopping’ and dining spends You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– Only on combined total purchases upto ₹20,000 spends per month , across these categories. Since you can earn maximum 1,000 reward points at this accelerated rate, per monthly card billing cycle.
– 1 reward point = ₹0.25.
– Reward points can be redeemed as cashback.
0.25% basic benefit on all other card spendsYou earn 1 reward points worth ₹0.25 or 25 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed as cashback. 

Exceptions –
1. Fuel : You earn no reward points
2. Spend Categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.5 reward point worth 12 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs
Fuel surcharge waiver, upto ₹250 per monthYou get 1% fuel surcharge waiver at all fuel stations across India –
Only on fuel transactions between ₹400 and ₹5000, and
Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle
₹750 annual feeAnnual fee offers-
– Welcome offer :
The first year fee is not charged, if you spend ₹7500 or more on your card, within 60 days of card issuance.
Renewal fee offer : Renewal fee is not charged from the 2nd year onwards, if you spend ₹70,000 or more in the previous year

Pros and Cons of Bank of Baroda Select Credit Card

Pros
  • 1.25% cashback on dining spends and online shopping
Cons
  • Overall reward rates are comparatively low.

Full Review of the Bank of Baroda Select Credit Card

Features & Benefits of Bank of Baroda Select Credit Card

1.25% benefit on ‘online shopping’ and dining spends

You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories. 1 reward point = ₹0.25. Reward points can be redeemed as cashback.

This benefit is valid only on combined total purchases upto ₹20,000 per month, across these categories. Since you can earn a maximum number of 1,000 reward points at this accelerated rate, per monthly card billing cycle.

0.25% benefit on all other spends

You earn 1 reward points worth ₹0.25 or 25 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25. Reward points can be redeemed as cashback.

Exceptions-
1. Fuel : You earn no reward points
2. Rent, education, utilities, government, insurance, charity, and supermarket spends : You earn 0.5 reward point worth 12 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Fuel surcharge waiver

You get 1% fuel surcharge waiver at all fuel stations across India –
on fuel transactions between ₹400 and ₹5,000 only AND
on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle
– You need to meet both the above conditions to get fuel surcharge waiver.

On monthly fuel purchases beyond ₹25,000, your waiver% will fall below 1% since the maximum waiver amount is fixed at ₹250 per monthly card statement cycle. For example, on ₹50,000 monthly fuel purchases, you will get the maximum waiver amount of ₹250, and your surcharge waiver% would be 0.50%.

GST paid on fuel purchases is not refunded. Some fuel pumps may not have a 1% surcharge on fuel purchases, it could be a little higher or lower. However you will get maximum monthly waiver amount of ₹250 only, irrespective.

3 free add-on cards

You can get upto 3 lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Snapdeal BOB Credit Card.

Shared benefits : With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

Credit Card Fees and Charges

Annual fee & annual fee offers
Annual feeAnnual fee offers
1st year annual fee₹750Welcome offer : The first year fee is not charged, if you spend ₹7500 or more on your card, within 60 days of card issuance.
– Fee reversal will reflect in the 4th bill statement from the card issuance month, provided all due payments are made.
Annual fee from 2nd year onwards₹750Renewal fee offer : Renewal fee is not charged from the 2nd year onwards, if you spend ₹70,000 or more in the previous year.

Hence the card is virtually free, if you spend ₹70,000 or more on your card each year. 
Late payment fee

Late payment fees depends on the total payment due

Total payment amount dueLate fee
Less than ₹100Nil
₹100 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,000 to ₹25,000₹950
₹25,000 to ₹50,000₹1100
Above ₹50,000₹1300

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – BoB Select Credit Card Fees & Charges

Eligibility Criteria

Minimum age21 years (minimum age for add-on cards is 18 years)
Maximum age65 years
OccupationSalaried, self-employed
Income requirementsNot specified

Necessary documents and verification

Required documents 
PAN card copy

Proof of identity (any one) : Aadhaar card / voter ID card /passport /driving licence

Address proof (any one) : Aadhaar card / voter ID card /passport / driving licence / utility bills / property or municipal tax receipt /rent agreement / house allotment letter issued by state or central government

Income proof :
– Salaried : Last 2 months salary slip, bank statement showing salary credits
 Self-employed : Latest income tax return (ITR)

Conclusion

Bank of Baroda Select Credit Card is an entry level card from Bank of Baroda. It gives higher benefits on select categories – online shopping and dining. But the overall reward rates are quite low.

Apply Now

on BOB Financial website

Frequently Asked Questions

How can I apply for a Bank of Baroda Select Credit Card?

The easiest way to apply for a Bank of Baroda Select Credit Card is by clicking here , OR you can visit BOB Financial’s official website. You can also visit a nearby branch. Please fill out the application form, provide the necessary documents, and submit them as per BOB Financial’s guidelines.

What documents are required to apply for a Bank of Baroda Select Credit Card?

You will need proof of identity (such as a PAN card, Aadhaar card, or passport), proof of address (such as utility bill or rental agreement), income proof (salary slips, IT returns, etc.), and passport-sized photographs. PAN card copy is mandatory.

What are the eligibility criteria for Bank of Baroda Select Credit Card?

Some of the eligibility criteria for Bank of Baroda Select Credit Card are – age band of 21-65 years and being a resident of India. There maybe additional criteria which are not explicitly specified, ultimately the card approval is at the sole discretion of BOB Financial.

How long does it take to get approved for a Bank of Baroda Select Credit Card?

The approval time may vary depending on the completeness of your application and the verification process. Generally, it takes a few working days for the bank to review your application and provide a decision.

Compare Products
Action Add Product
Image
Title
Price
Stock Status
Quantity
Add To Cart
Review
IndusInd Nexxt Credit Card
IndusInd Nexxt Credit Card
0 customer review
Yes Bank BYOC Credit Card
Yes Bank BYOC Credit Card
0 customer review
Air India SBI Platinum Card
Air India SBI Platinum Card
0 customer review
Air India SBI Signature Card
Air India SBI Signature Card
0 customer review
SBI Etihad Guest Card
Etihad Guest SBI Card
0 customer review
SBI Etihad Premier Card
Etihad Guest SBI Premier Card
0 customer review
SimplySAVE UPI SBI Card
SimplySAVE UPI SBI Card
0 customer review
Paytm SBI Card
Paytm SBI Card
0 customer review
Apollo SBI Card
Apollo SBI Credit Card
0 customer review
SBI Ola Card
OLA Money SBI Credit Card
0 customer review