Bank of Baroda Credit Cards

Eligibility : This card is exclusively for Indian Navy Personnel

3.75% benefit on travel spends, dining spends, online spends and international spends :
– You earn 15 reward points worth ₹3.75, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹16,666 per month, across these categories. Since you can earn a maximum number of 2500 special reward points at this accelerated rate, per monthly card billing cycle.

0.75% basic benefit on all other spends
✔︎ You earn 3 reward points worth ₹0.75 or 75 paise, on every ₹100 you spend on all other purchases.1 reward point = ₹0.25, and can be redeemed for cashback.
✔︎ Exceptions –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1.50 reward point worth 37 paise, on every ₹100 you spend.

Unlimited complimentary access to airport lounges in India.

Reduced fee of 2% on international transactions.

Fuel surcharge waiver, upto ₹250 per month : 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

Eligibility : This card is exclusively for Indian Navy Personnel

2.50% benefit on travel spends, dining spends, online spends and international spends :
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for 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 2000 special reward points at this accelerated rate, per monthly card billing cycle.

0.50% basic benefit on all other spends
✔︎ You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases.1 reward point = ₹0.25, and can be redeemed for cashback.
✔︎ Exceptions –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 3 times per quarter

Reduced fee of 2.50% on international transactions
– You get reduced forex mark-up of 2.50% on international card spends (most cards in the industry charge 3.50%). You also get 2.50% benefit on international spends, as described earlier.

Fuel surcharge waiver, upto ₹250 per month : You 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

This card is exclusively for Indian Navy Personnel

Lifetime free card : There is no annual fee charged on the card, the card is lifetime free.

1.25% benefit on department store purchases and grocery purchases
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹15,000 per month, across these categories. Since you can earn a maximum number of 750 special reward points at this accelerated rate, per monthly card billing cycle.

0.25% basic benefit on all other card spends
✔︎ You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for 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.

Fuel surcharge waiver, upto ₹100 per month : You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹400 and ₹5,000, and
– Only on upto ₹10,000 fuel spend per month, since the maximum waiver is capped at ₹100 per monthly card billing cycle

2.50% special benefit on travel, dining & international transactions
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on travel, dining & international transactions. Since 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
– This is valid only on purchases upto ₹20,000 spends per month , in this category (since you can earn a maximum number of 2,000 special reward points in this category, per monthly card statement cycle)

0.50% basic benefit on all other spends
✔︎ You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases. Since 1 reward point = ₹0.25 (25 paise), 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 1 reward points worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 1 time per quarter

Fuel surcharge waiver : You 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

1.25% special 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 per month, across these categories. Since you can earn a maximum number of 2,000 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 spends : You earn 1 reward points worth ₹0.25 or 25 paise, on every ₹100 you spend on all other purchases (since 1 reward point = ₹0.25, and can be redeemed as cashback). 2 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.

Fuel surcharge waiver : You 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

1.25% benefit on department store purchases and movie 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 per month , across these categories. Since you can earn a maximum number of 1,000 reward points at this accelerated rate, per monthly card statement cycle.
– 1 reward point = ₹0.25.
– Reward points can be redeemed as cashback.

0.25% benefits on all other spends : You earn 1 reward points worth ₹0.25 or 25 paise, on every ₹100 you spend on all other purchases (since 1 reward point = ₹0.25), except below 2 categories
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.
– Reward points can be redeemed as cashback.

Fuel surcharge waiver : You 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 billing cycle

5% cashback on Snapdeal : You earn 20 reward points worth  ₹5,  on every ₹100 you spend on Snapdeal purchases.
– 1 reward point = ₹0.25 (25 paise), and is automatically credited as cashback to your next month’s card statement

2.50% cashback on ‘online shopping’ (other than Snapdeal shopping), department store spends & grocery shopping
– You earn 10 reward points worth  ₹2.50,  on every ₹100 you spend on this category – only on purchases upto ₹20,000 per month (since special reward points are capped at 2000 reward points per monthly card billing cycle)
– 1 reward point = ₹0.25 (25 paise), and is automatically credited as cashback to your next month’s card statement

1% basic cashback on all other spends : You earn 4 reward points worth  ₹1,  on every ₹100 you spend on all other purchases
– 1 reward point = ₹0.25 (25 paise), and is automatically credited as cashback to your next month’s card statement

1% fuel surcharge waiver
– Only on all fuel transactions between ₹400 and ₹5000, and
– Only on fuel spends upto ₹25,000 per month (since the maximum waiver amount is capped at ₹250 per month).

Guaranteed approval card against fixed deposit – no income proof required : Minimum fixed deposit amount – ₹15,000

Lifetime free card – zero annual fee : No annual fee on your card

0.50% benefit on all spends : You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases (since 1 reward point = ₹0.25). Except below 2 categories :
1. Fuel : You earn no reward points
2. Spend Categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward points worth 25 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Fuel surcharge waiver
You get a 1% fuel surcharge waiver , at all fuel stations across India :
– Only on fuel transactions between ₹400 and ₹5,000 AND
– Only on maximum fuel purchases of ₹25,000 per month (since the waiver amount is capped at ₹250 per monthly card statement cycle)

3 free add-on cards : You get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

3.75% special benefit on travel spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on travel (since 1 reward point = ₹0.25)

3.75% special benefit on ‘online shopping’ (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on ‘online shopping’ (since 1 reward point = ₹0.25)

3.75% special benefit on dining spends (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend on dining (since 1 reward point = ₹0.25)

3.75% special benefit on international transactions (5X) : You earn 15 reward points worth ₹3.75, on every ₹100 you spend outside India (since 1 reward point = ₹0.25)

0.75% basic benefit on all other spends : You earn 3 reward points worth ₹0.75 (75 paise), on every ₹100 you spend on all other purchases (since 1 reward point = ₹0.25), except the below 2 categories –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1.5 reward points worth 37 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Milestone privileges : Upto 1.50% additional benefit – on achieving 2 spend targets
You earn –
– 10,000 points worth ₹2,500 – at ₹50,000 spend target, within 60 days of card issuance date
– 20,000 points worth ₹5000 – at 5 lakhs yearly spend
Hence  you can earn a total of 30,000 bonus reward points worth ₹7,500, if you reach both the above spend targets on your card

Unlimited complimentary visits to airport lounges in India : You enjoy unlimited domestic lounge access throughout India.

Low foreign exchange conversion fee of 2% – on international spends : You enjoy a reduced forex markup fee of 2% on international transactions, while you earn 3.75% benefit rate on these spends

1 complimentary movie ticket per month – at Paytm Movies : You get Buy One Get One Free Movie Offer (BOGO) – at Paytm Movies
– You need to book at least 2 movie tickets , at one time
– 2nd movie ticket is free, upto maximum ₹250 off
– You can enjoy this offer maximum 1 time per month
Hence you can get movie tickets worth ₹3,000 every year (₹250 per month)

Complimentary 6-month FitPass Pro membership : You get a 6-month FitPass Pro membership worth ₹15,000.

Complimentary golf rounds & golf lessons :
Cardholders who have Mastercard version of card-
– 4 free golf rounds per year (not more than 1 free golf round per month)
– 12 free golf lessons per year (not more than 1 free golf lesson per month)

Cardholders who have Visa version of card
– 4 free lessons per year (but not more than 1 free golf lesson per quarter)
– 15% discount on golf rounds

1% fuel surcharge waiver : You get a 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹5,000 AND
– only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Complementary personal accidental death cover : You get a complimentary ‘personal accidental death cover’ (in the unfortunate event of death during travel) – providing coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel.

6.50% earning on fuel (petrol, diesel and LPG) purchases
– 4% special benefit on HPCL fuel purchases : You earn 16 reward points worth ₹4 , on every ₹100 you spend at HPCL pumps, only on HPCL fuel purchases of upto ₹6,250 per month. 1 reward point = ₹0.25 or 25 paise.
– Additional benefits of 1.50% on HPCL fuel spends via HP Pay App: You earn additional 6 Payback points worth ₹1.50 , on every ₹100 you spend at HPCL fuel outlets through your HP Pay app. 1 Payback point = ₹0.25 or 25 paise.
– 1% fuel surcharge waiver at all fuel stations : Only on fuel transactions between ₹400 and ₹5,000, AND only on upto a maximum of ₹10,000 fuel spend per month. Both these conditions need to be met to avail fuel surcharge waiver.

1.66% benefit on utilities, groceries & department store spends : You earn 6.66 reward points worth ₹1.66 , on every ₹100 you spend on utilities, groceries & department store spends – only on combined total purchases of upto ₹15,000 per month in these categories. 1 reward point = ₹0.25 or 25 paise.

0.33% benefit on all other purchases : You earn 1.33 reward points worth ₹0.33 (33 paise) , on every ₹100 you spend on all other purchases

Complimentary airport lounge access in India :  Upto 1 free visit per calendar quarter (4 times per year)

25% benefit at Paytm Movies 
– This offer can be availed up to two times per month.
– You get a 25% discount, upto maximum ₹100 discount per transaction. You need to do a transaction of minimum 2 tickets.
– Hence you get a 25% discount on a ticket purchase transaction up to ₹400. On purchases above ₹400, you will get a maximum discount of ₹100 and your discount% would be lower than 25%.