By: Our Money Guide | Last updated on: December 12, 2025

Bank of Baroda Select Credit Card is an entry-level card suitable for beginners, with a low yearly spend requirement for annual fee waivers. It gives higher rewards in select categories – online shopping and dining.

✅ Lifetime Free Offer till 31st Dec, 2025

Detailed Review  

Bank of Baroda Select Credit Card - Our Money Guide

Pros & Cons of Bank of Baroda Select Credit Card

Pros

  • Relatively low yearly spend requirement of ₹70,000 to get annual fee waivers
  • Easy reward points redemption process, you can redeem your reward points for cashback

Cons

  • Rewards on card card spending are comparatively low

Features & Benefits of the Bank of Baroda Select Credit Card

1% reward on ‘online shopping’ and dining spends 

  • 5 reward points worth ₹1, on every ₹100 spent
  • 1 reward point = ₹0.20. Reward points can be redeemed as cashback.
  • Monthly rewards limit: 1,000 reward points worth ₹200 as cashback, reached at ₹20,000 monthly spend

0.20% reward on other spends

  • 1 reward points worth ₹0.20, on every ₹100 spent 
  • 1 reward point = ₹0.20. Reward points can be redeemed as cashback.

Important exclusions: 

  • No reward points are given on fuel, rent, education, government, insurance, wallet loads, charity, and supermarket purchases. 
  • For full list and details please click here – list of special MCCs

Fuel surcharge waiver, up to ₹250 per month

  • 1% fuel surcharge waiver at all fuel stations across India 
  • Valid only on fuel transactions between ₹400 and ₹5,000 
  • Monthly waiver limit: ₹250 

Free personal accidental death cover

  • Insurance coverage of ₹15 lakhs for air travel and ₹5 lakhs for non-air travel, in the unfortunate event of accidental death during travel
  • This insurance cover provides financial protection to your family, and gives you peace of mind

Bank of Baroda Select Credit Card Fees and Charges

Annual fee 


Annual feeOffers
1st year annual fee₹750Welcome offer 
  • 500 reward points worth ₹100 if you spend ₹5,000 or more within 60 days of card issuance
  • The first year fee is not charged, if you spend ₹7500 or more on your card, within 60 days of card issuance.
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.

✅ Lifetime Free Offer till 31st Dec, 2025

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

Age

Salaried: 21-60 years 

Self employed: 24-65 years

(minimum age for add-on cards is 18 years)

Minimum income ₹4.80 lakh per year

Bank of Baroda Select Credit Card vs Competitors

Card Name Annual Fee Benefits

Bank of Baroda Select Credit Card

Minimum Income

₹4.80 lakh per year

 Annual Fee - ₹ 750
  • Welcome offer: First-year fee waived at ₹7500 spend within 60 days, 500 reward points worth ₹100
  • Renewal fee offer: Annual fee waived at ₹70,000 yearly card spend
 Special Benefits
  • Annual fee is waived, at ₹70,000 yearly card spend 
  • 1% cashback on dining spends and online shopping

HDFC Bank MoneyBack+ Credit Card

Minimum Income

Salaried : ₹20,000 per month || Self-employed : ₹6 lakhs per year

 Annual Fee - ₹ 500
  • Welcome offer: 500 cash points worth ₹125
  • Renewal offer: Annual fee waived at ₹50,000 yearly card spend
 Special Benefits
  • 3.3% cashback at Amazon, Flipkart, BigBasket, Reliance Smart Superstore, Swiggy (on total purchases up to ₹18,750 per month)
  • Up to 1% additional reward at ₹50,000 quarterly card spend 
  • Low annual spend requirement of ₹50,000 for annual fee waiver

Axis Bank NEO Credit Card

Minimum Income

Not specified

 Annual Fee - ₹ 0
  • Welcome offer: Nil
 Special Benefits
  • Blinkit - 10% discount (up to ₹250 per month)
  • Zomato - ₹120 discount, 2 times per month | Minimum order of ₹499
  • Utility bills through Paytm - 5% discount (up to ₹150 per month), on mobile recharge, broadband, DTH
  • BookMyShow movie tickets - 10% discount (up to ₹100 per month)
  • Myntra - ₹150 discount | Minimum order of ₹999 required
  • EazyDiner restaurants - 15% discount (up to ₹500), 1 time per month. Minimum transaction of ₹2500 required
  • Lifetime free 

Conclusion

The Select Credit Card is an entry-level  Bank of Baroda credit card. The overall reward rate on card spending is comparatively low.

It can be a good card choice to begin your credit journey.

APPLY NOW

How Our Money Guide Works

  • Wide Range of Credit Cards: Our Money Guide brings together a wide range of credit cards from the industry. This helps you choose from a wider bucket and make informed decisions.
  • Quick & Easy Comparison: Our Money Guide makes it easy to compare credit cards on the most important parameters like fees, benefits, eligibility, and annual fee-related offers.
  • Expert Insights: Our Money Guide's team has deep experience in consumer finance. This helps you get honest reviews and trusted information on the most important decision-making parameters, helping you choose better.
  • Simplified Application Process: Our Money Guide website pages contain Apply Now buttons at relevant spots, which help you apply easily from the comfort of your home or office.

ON THIS PAGE

FIND THE BEST CREDIT CARD