Bank of Baroda RuPay Credit Card 2025: Complete Guide for UPI Rewards & Benefits

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

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

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