Bank of Baroda Shopping Credit Cards in India 2026

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

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

✅ 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

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

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

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 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 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