Best Bank of Baroda Credit Cards 2025

3.75% cashback on travel, online shopping , dining, international transactions 

• 15 reward points worth ₹3.75, per ₹100 spent
• Monthly limit: 5000 reward points worth ₹1250, reached at ₹33,333 monthly spending

0.75% cashback on other card spends

• 3 reward points worth ₹0.75, per ₹100 spent
• Important exclusions: No reward points on fuel, rent, education, government, insurance, charity, and supermarket purchases.

Up to 1% additional cashback, on annual spending milestone (₹5 lakhs)

• 20,000 points worth ₹5000, at ₹5 lakhs yearly card spend (1% reward)

Value of reward points & redemption

• 1 reward point = ₹0.25
• Reward points can be redeemed as cashback

Unlimited domestic lounge access (spending requirement of ₹40,000 in the previous quarter)

Low forex  fee of 2% on international spends, and earn 3.75% cashback on these spends

'Buy One Get One' movie offer: 1 free ticket (up to ₹250), once a month - through Zomato District

6-month FitPass Pro membership (worth ₹15,000)

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹400 and ₹5000

Personal accidental death cover: Coverage of ₹1 crore for air travel,  ₹10 lakhs for non-air travel

6.50% earning on HPCL fuel (petrol, diesel and LPG) 

1. 4% cashback: 16 reward points worth ₹4, per ₹100 spent. Monthly limit: 1000 reward points worth ₹250, reached at ₹6250 monthly spend  
2. 1.50% reward through HP Pay App: 6 Payback points worth ₹1.50, per ₹100 spent 
3. 1% fuel surcharge waiver: Valid on fuel transactions between ₹400 and ₹5000. Monthly limit: ₹100 per month, reached at ₹10,000 monthly spend 

1.66% cashback on utilities & department stores  

• 6.66 reward points worth ₹1.66, per ₹100 spent
• Monthly limit: 1000 reward points worth ₹250, reached at ₹15000 monthly spend 

0.33% cashback on other card purchases (including UPI on RuPay cards)

• 1.33 reward points worth ₹0.33, per ₹100 spent 
• Important exclusions: No reward points on fuel, rent, education, wallet loads, government, insurance, charity, and supermarket purchases.

Domestic airport lounge access: 1 visit per quarter (requires ₹20,000 spending in the previous quarter)

25% movie discount at Zomato District 

• 25% discount, up to ₹100 per transaction
• Requirements: Minimum 2 tickets per transaction
• Valid 2 times per month
• Effective range: 25% discount on bills up to ₹400; flat ₹100 off on higher amounts

Value of reward points 

• Reward Points: 1 point = ₹0.25 (cashback redemption)
• PayBack Points: 1 point = ₹0.25 

10.50% reward on AC class rail ticket bookings on IRCTC, in non-peak season (between 15th Jan – 31st Mar, and 15th July – 15th Sep)

10% reward

• You earn 40 reward points worth ₹10, on every ₹100 spent in this category
• This benefit is valid only for travel dates between 15th Jan – 31st Mar, and 15th July – 15th Sep
• Reward points redemption: 1 reward point = ₹0.25 (25 paise). Reward points will be given in your IRCTC account, on your linked loyalty number. 4 reward points = 1 IRCTC point = ₹1. IRCTC points can be used for buying AC class rail tickets on IRCTC.

0.50% cashback (this is given on all spends on the card)

• You also also earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category
• 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

4.50% reward on AC class rail ticket bookings on IRCTC, in peak season (between 1st April – 14th July, and 16th Sep – 14th Jan)

4% reward

• You earn 16 reward points worth ₹4, on every ₹100 spent in this category
• This benefit is valid only for travel dates between 1st April – 14th July, and 16th Sep – 14th Jan
• 1 reward point = ₹0.25 (25 paise). Reward points will be given in your IRCTC account, on your linked loyalty number. 4 reward points = 1 IRCTC point = ₹1. IRCTC points can be used for buying AC class rail tickets on IRCTC.

0.50% cashback (this is given on all spends on the card)

• You also also earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 spent in this category
• 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.

1% cashback on department store purchases || 0.50% cashback on all other card spends, including UPI spends

• 4 reward points worth ₹1, on every ₹100 spent on department store purchases
• 2 reward points worth ₹0.50, on every ₹100 spent on other purchases
• 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
• Restrictions: You can earn a maximum of 1000 reward points, which can be redeemed as cashback
• Exceptions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Complimentary railway lounge access – 1 time per quarter

1% transaction charges waiver on railway ticket bookings on IRCTC

1% fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000

3.75% cashback in the following categories (capped at 5,000 reward points monthly, which is reached at ₹33,333 monthly spend)-

• Travel bookings (flights, hotels, trains)
• Dining experiences (restaurants, cafes)
• International transactions

0.75% cashback on other card spends

• Note: No rewards on fuel, rent, education, government payments, insurance premiums, wallet loads, charity, and supermarket purchases.

Unlimited complimentary visits to airport lounges across India

• Quarterly Card Spend Requirement: Minimum ₹40,000 in the previous quarter

Reduced forex markup fee of 2%

Movie discount (up to ₹250) each quarter through BookMyShow, on minimum purchases of 2 tickets

1% fuel surcharge waiver (up to ₹250 per month) on fuel transactions between ₹400-₹5,000

Other Benefits

• Complimentary annual memberships of Amazon Prime/ Jio Hotstar, Gaana Plus, and more
• Complimentary Women's Health Package including Pap Smear & Blood Tests, and Mammography Package
• Complimentary 6 months Fitpass pro membership
• Quarterly discount of ₹500 each at Myntra, Nykaa & Flipkart
• Quarterly discount of ₹1500 at Lakme Salon
• Quarterly discount of ₹250 on Big Basket

Snapdeal purchases: 5% unlimited cashback

• 20 points per ₹100 spent = ₹5 cashback

Online shopping (non-Snapdeal) & department stores: 2.5% cashback

• 10 points per ₹100 spent = ₹2.50 cashback
• Monthly cashback limit: 2,000 points (₹500 cashback), reached at 20,000 monthly spend

All other purchases: 1% cashback

• 4 points per ₹100 spent = ₹1 cashback

Important exclusions (no reward points) 

• Fuel, rent, education, government 
• Insurance, wallet loads, charity, supermarkets

Value of reward points & redemption

• Reward points can be redeemed as cashback
• 1 reward point = ₹0.25 (25 paise)

Fuel surcharge waiver: Up to ₹250 per month

• 1% waiver on fuel transactions between ₹400-₹5,000
• Maximum monthly waiver - ₹250, reached at ₹25,000 fuel spend

Bank of Baroda PRIME Credit Card is a lifetime free BOB credit card (no annual fee credit card) : No annual fee is charged on your card.

Guaranteed approval card against fixed deposit – no income proof required || no credit score required

Minimum fixed deposit amount required is ₹30,000.

0.40% reward on all card spends

• You earn 2 reward points worth ₹0.40, on every ₹100 you spend on all card purchases
• 1 reward point = ₹0.20 and can be redeemed as cashback
• Important exclusions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Free 'Personal Accident Death Cover':  Air - ₹15 lakhs, Non-Air - ₹5 lakhs

Fuel surcharge waiver, up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

2.50% cashback on the following card spends - travel || dining || international transactions (valid on total spends up to ₹20,000 per month)

• You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
• This is valid only on purchases up to ₹20,000 spends per month, in this category (since you can earn a maximum number of 2,000 special reward points per month in this category)

0.50% cashback on all other card spends

• You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25 (25 paise), and can be redeemed as cashback.
• Exceptions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases

Complimentary access to airport lounges in India – 1 time per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹20,000 on your card in the previous quarter.

Fuel surcharge waiver, up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

✅ Lifetime Free Offer till 31st Dec, 2025

Low annual card spend requirement of  ₹35000, to get annual fee waived off. Hence the card is virtually free from 2nd year onwards, if you spend ₹35000 or more in the previous year

1% cashback on department store purchases and movie spends - on total spends up to ₹20,000 per month

• 5 reward points worth ₹1, on every ₹100 you spend in these categories
• This is valid only on combined total purchases up to ₹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.
• Reward points redemption: 1 reward point = ₹0.20, and can be redeemed as cashback.

0.20% cashback on all card other spends 

• 1 reward points worth ₹0.20 or 20 paise, on every ₹100 you spend on all other card purchases
• 1 reward point = ₹0.20, and can be redeemed as cashback.
• Exceptions : You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

✅ Lifetime Free Offer till 31st Dec, 2025

1% cashback on ‘online shopping’ and dining spends - on total card spends up to ₹20,000 per month

• You earn 5 reward points worth ₹1, on every ₹100 you spend in these categories
• This is valid only on total purchases upto ₹20,000 per month, across these categories. Since you can earn a maximum number of 2000 reward points at this accelerated rate, per monthly card billing cycle.
• Reward points redemption: 1 reward point = ₹0.20, and can be redeemed as cashback.

0.20% cashback on all other card spends

• You earn 1 reward points worth ₹0.20 or 20 paise, on every ₹100 you spend on all other card purchases (since 1 reward point = ₹0.20, and can be redeemed as cashback).
• Exceptions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases

Fuel surcharge waiver, up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Exclusively designed card for Institute of Company Secretaries of India (ICSI) members: All eligible & active members of ICSI are eligible, subject to credit policy of BOB.

Lifetime free BOB credit card

• The card has no annual fee, it is a lifetime free card.
• Welcome offers : You get 500 reward points worth ₹125, on spending 5000 on your card within 60 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

1.25% cashback on ‘online spends’, dining spends and utility bill payments - on spending up to ₹20,000 per month

• You earn 5 reward point worth ₹1.25, on every ₹100 you spend in these categories.
• 1 reward point = ₹0.25, and can be redeemed as cashback.
• This benefit is restricted to total spending up to ₹20,000 per month in these categories, since you can earn a maximum of 1000 reward points per month.

0.25% cashback on all other card spending

• You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25, and can be redeemed as cashback.
• Exceptions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Milestone benefits: You get 3999 reward points worth approximately ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

Complimentary access to airport lounges in India – 3 per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹40,000 on your card in the previous quarter.

Reduced fee of 2% on international credit card transactions

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Complimentary insurance benefits 

• Professional indemnity insurance cover of ₹5 lakhs
• Air accident death cover of ₹15 lakhs
• Non-air accident death cover of ₹5 lakhs

Lifetime free BOB credit card, exclusively for Indian Army Personnel

2.50% cashback on department store purchases 

• You earn 10 reward points worth ₹2.50, on every ₹100 you spend in this category. 1 reward point = ₹0.25, and can be redeemed for cashback.
• This benefit is valid only on total purchases up to ₹10,000 spends per month in this category. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card statement cycle.

0.50% cashback on all other card 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: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Complimentary access to airport lounges in India – 2 times per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹20,000 on your card in the previous quarter.

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Exclusive credit card for ICAI members: All eligible & active members of ICAI (The Institute of Chartered Accountants of India) are eligible, subject to credit policy of BOB.

Lifetime free BOB credit card for chartered accountants

• The card has no annual fee, it is a lifetime free card.
• Welcome offers : You get 500 reward points worth ₹125, on spending 5000 on your card within 60 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

5X Rewards: 1.25% cashback on ‘online spends’, dining spends and utility bill payments - on spending up to ₹20,000 per month

• You earn 5 reward point worth ₹1.25, on every ₹100 you spend in these categories.
• 1 reward point = ₹0.25, and can be redeemed as cashback.
• This benefit is restricted to total spending up to ₹20,000 per month in these categories, since you can earn a maximum of 1000 reward points per month.

X Reward: 0.25% cashback on all other card spending, including UPI spending

• You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25, and can be redeemed as cashback.
• Exceptions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Milestone benefits: You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

Complimentary access to airport lounges in India – 3 per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹40,000 on your card in the previous quarter.

Reduced fee of 2% on international credit card transactions

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Complimentary insurance benefits

• Professional indemnity insurance cover of ₹5 lakhs
• Air accident death cover of ₹15 lakhs
• Non-air accident death cover of ₹5 lakhs

Lifetime free BOB credit card, exclusively for Indian Coast Guards Personnel

2.50% cashback on department store 

• Earn 10 reward points worth ₹2.50, on every ₹100 you spend. 
• Reward points redemption: 1 reward point = ₹0.25, and can be redeemed for cashback.
• This benefit is valid only on combined total purchases upto ₹10,000 spends per month. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% reward on other spends

• 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: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Complimentary access to airport lounges in India – 2 per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹20,000 on your card in the previous quarter.

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Lifetime free BOB credit card, exclusively for Assam Rifles Personnel

2.50% cashback on department store purchases up to ₹10,000 per month

• You earn 10 reward points worth ₹2.50, on every ₹100 you spend. 1 reward point = ₹0.25, and can be redeemed for cashback.
• This benefit is valid only on combined total purchases up to ₹10,000 spends per month. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% cashback on all other card 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: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Complimentary access to airport lounges in India – 2 per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹20,000 on your card in the previous quarter.

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Lifetime free BOB credit card, exclusively for Indian Defence Personnel

• No annual fee, the card is lifetime free.
• Welcome offer: Complimentary 3 month Jio Hotstar subscription

1.25% cashback on department store purchases and movie spends

• 5 reward points worth ₹1.25, on every ₹100 spent
• Monthly rewards limit: 1000 reward points worth ₹250 as cashback, reached at ₹20,000 monthly spend 
• Reward points redemption: 1 reward point = ₹0.25, and can be redeemed as cashback

0.25% cashback on all other spends

• 1 reward point worth ₹0.25, on every ₹100 spent
• Exceptions: No reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5,000

Complimentary insurance benefits: Free ‘Accidental Death Cover’ (Air & Non-Air : ₹20 lakhs), for financial protection of your family

This card is exclusively for Indian Navy Personnel

Bank of Baroda Varunah Credit Card is a lifetime free BOB credit card: There is no annual fee charged on the card

1.25% benefit on department store purchases 

• You earn 5 reward points worth ₹1.25, on every ₹100 you spend. 1 reward point = ₹0.25, and can be redeemed for cashback.
• This benefit is valid only on purchases up to ₹15,000 per month. 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: You earn no reward points on purchases like fuel, rent, education, government, insurance, charity, and supermarket purchases.

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹400 and ₹5000

Eligibility : This card is exclusively for Indian Navy Personnel

2.50% cashback on travel spends || dining spends || online spends || 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 up to ₹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 cashback 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: You earn no reward points on purchases like fuel, rent, education, government, insurance, charity, and supermarket purchases.

Complimentary access to airport lounges in India – 3 times per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹20,000 on your card in the previous 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.

Fuel surcharge waiver up to ₹250 per month, and valid only on on fuel transactions between ₹400 and ₹5000

This card is exclusively for Indian Navy Personnel

3.75% cashback on travel spends, dining spends, online spends and international spends

• 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 cashback 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: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Unlimited complimentary access to airport lounges in India. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹40,000 on your card in the previous quarter.

Reduced fee of 2% on international transactions

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Exclusively designed card for ICMAI (The Institute of Cost Accountants of India) members : All eligible & active members of ICMAI are eligible, subject to credit policy of BOB.

Lifetime free BOB credit card

• The card has no annual fee, it is a lifetime free card.
• Welcome offers : You get 500 reward points worth ₹125, on spending 5000 on your card within 60 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

1.25% cashback on ‘online spends’, dining spends and utility bill payments - on spending up to ₹20,000 per month

• You earn 5 reward point worth ₹1.25, on every ₹100 you spend in these categories.
• 1 reward point = ₹0.25, and can be redeemed as cashback.
• This benefit is restricted to total spending up to ₹20,000 per month in these categories, since you can earn a maximum of 1000 reward points per month.

0.25% cashback on all other card spending

• You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25, and can be redeemed as cashback.
• Exceptions: You earn no reward points on purchases like fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases.

Milestone benefits: You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

Complimentary access to airport lounges in India – 3 per quarter. From January 1 2025, this benefit is valid in a particular quarter only if you have spent a minimum of ₹40,000 on your card in the previous quarter.

Reduced fee of 2% on international credit card transactions

Fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹400 and ₹5000

Complimentary insurance benefits 

• Professional indemnity insurance cover of ₹5 lakhs
• Air accident death cover of ₹15 lakhs
• Non-air accident death cover of ₹5 lakhs