Find my best card →
faayda.com › cards › BOBCARD Premier Credit Card
Bank of Baroda (BOBCARD) · Visa / RuPay · हिन्दी

BOBCARD Premier Credit Card: full review

The BOBCARD Premier is a strong entry-level travel card, especially when issued Lifetime Free. The 2.5% on travel and dining at minimal cost beats most cards at this fee tier. While BOBCARD Eterna is stronger overall, Premier is the better starting point for the BOB ecosystem.

Apply now ↗Annual fee: ₹0 joining
Last updated: October 2026 · Current terms verified
BOBCARD
VISA
)))
BOBCARD PREMIER
ASHOK KUMAR
12/28
₹0 joining (from 1 September 2026); ₹1,000 + taxes annual from year 2 (waived on ₹1,20,000/year spend)Annual fee
10 reward points per ₹100 on travel, dining and international spends (2.5%); 2 RP on others (0.5%)Reward structure
1 domestic visit/quarter (spend-based from Jan 2025)Lounge access

Key benefits of the BOBCARD Premier Credit Card

10 reward points per ₹100 on travel, dining and international spends (1 RP = ₹0.25; 2.5% effective; capped 2,000 RP/month)2 reward points per ₹100 on all other eligible spends (0.5%)1 complimentary domestic airport lounge visit per quarter (spend-based from Jan 2025)500 welcome bonus reward points on ₹5,000 spend within 60 days1% fuel surcharge waiver (₹400–₹5,000, max ₹250/month)Annual fee waived on ₹1,20,000/year; often issued Lifetime FreeAvailable on RuPay, works with UPI credit card payments
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ 2.5% on travel and dining at very low ₹1,000 fee (often free)
✓ Often issued Lifetime Free by BOBCARD
✓ RuPay variant enables UPI payments
✓ Decent reward rate for an entry-level card
Cons
✗ Accelerated rewards capped at 2,000 RP/month
✗ Lounge access spend-conditional from Jan 2025
✗ 3.5% forex despite travel category
✗ BOBCARD customer service limited vs large banks
Quick facts
Issuer Bank of Baroda (BOBCARD)
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 joining (from 1 September 2026); ₹1,000 + taxes annual from year 2 (waived on ₹1,20,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter (spend-based from Jan 2025)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceBOBCARD's Premier card page · Last checked October 2026
Recent updates

Added the cap from BOBCARD's card page to our maths: the 5X points on travel, dining and international spends are capped at 2,000 points (₹500) a statement cycle. The joining fee is now ₹0 for cards issued from 1 September 2026.

5X capNot counted₹500 a cycle
Joining fee₹1,000₹0
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for BOBCARD Premier Credit Card is ₹0 joining (from 1 September 2026); ₹1,000 + taxes annual from year 2 (waived on ₹1,20,000/year spend). The joining fee is ₹0.
The main benefits of the BOBCARD Premier Credit Card are: 10 reward points per ₹100 on travel, dining and international spends (1 RP = ₹0.25; 2.5% effective; capped 2,000 RP/month); 2 reward points per ₹100 on all other eligible spends (0.5%); 1 complimentary domestic airport lounge visit per quarter (spend-based from Jan 2025); 500 welcome bonus reward points on ₹5,000 spend within 60 days; 1% fuel surcharge waiver (₹400–₹5,000, max ₹250/month); Annual fee waived on ₹1,20,000/year; often issued Lifetime Free; Available on RuPay, works with UPI credit card payments.
10 reward points per ₹100 on travel, dining and international spends (2.5%); 2 RP on others (0.5%)
BOBCARD Premier Credit Card is best for Entry-level travel and dining card with lounge access at minimal annual fee. The BOBCARD Premier is a strong entry-level travel card, especially when issued Lifetime Free. The 2.5% on travel and dining at minimal cost beats most cards at this fee tier. While BOBCARD Eterna is stronger overall, Premier is the better starting point for the BOB ecosystem.
The minimum income requirement for BOBCARD Premier Credit Card is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, BOBCARD Premier Credit Card offers 1 domestic visit/quarter (spend-based from Jan 2025).
BOBCARD Premier Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Premium Credit Cards →Best Super Premium Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
BOBCARD Premier vs BOBCARD Etihad Guest Premium Compare →BOBCARD Premier vs Axis Bank Rewards Compare →BOBCARD Premier vs BOBCARD Eterna Compare →
Embed this card
Add this widget to your site
Writing a review or comparison for the BOBCARD Premier Credit Card? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/bob-premier"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
BOBCARD Premier₹0 joining
Apply now ↗