BOBCARD Premier Credit Card Review
The BOBCARD Premier is Bank of Baroda’s mid-tier rewards card. It earns 10 points per ₹100 — about 2.5% — on travel, dining and international spends, with a cap of 2,000 accelerated points a cycle.
The limited-period lifetime-free offer appears to have ended, so the card now carries a ₹1,000 fee, waived on ₹1.2 lakh annual spend.
- About 2.5% back on travel, dining and international spends
- Fee waived on ₹1.2 lakh annual spend
- 500 welcome points on ₹5,000 spend in 60 days
- Fuel waiver up to ₹250 a cycle
- Points redeem as cashback at ₹0.25
- Accelerated points capped at 2,000 a cycle (~₹8,000 of spend)
- Lounge visits need ₹20,000 spend in the previous quarter
- Accident insurance withdrawn for new cards (July 2026)
- Fuel earns no points
- About 3.5% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | ₹1,000 + GST |
| Annual fee | ₹1,000 + GST, waived on ₹1.2 lakh spend in the previous year |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹250 a cycle |
| Forex markup | About 3.5% |
Rewards: how the card earns
| Spend | Points per ₹100 | Value at ₹0.25 |
|---|---|---|
| Travel, dining, international | 10 (capped at 2,000 a cycle) | 2.5% |
| Other spends | 2 | 0.5% |
| Fuel | 0 | — |
What earns nothing
Fuel and select merchant categories earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | 500 points on ₹5,000 spend within 60 days |
| Lounge access | 1 domestic visit a quarter, after ₹20,000 spend in the previous quarter |
| Insurance | Accident cover discontinued for cards issued after 15 Jul 2026 |
| Fuel | 1% surcharge waiver, up to ₹250 a cycle |
Eligibility
Issuer
BOBCARD (Bank of Baroda)
Age
21–65
Income
Above ₹7.2 lakh a year
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: people who spend ₹5,000–₹8,000 a month on dining and travel and ₹1.2 lakh+ a year overall.
- Skip if: you want a high rate across all spends — the base rate is only 0.5%.
Alternatives worth comparing
Final verdict
A solid mid-tier card for dining and travel, effectively free above ₹1.2 lakh a year. The cap keeps the 2.5% rate to modest spending.
Frequently asked questions
Is the BOBCARD Premier lifetime free?
Not any more. It carries a ₹1,000 fee, waived on ₹1.2 lakh annual spend.
How much do I earn on travel and dining?
10 points per ₹100 (about 2.5%), capped at 2,000 points per cycle.
Does it give lounge access?
1 domestic visit a quarter after ₹20,000 spend in the previous quarter.
Is there accident insurance?
BOBCARD withdrew accident cover for cards issued after 15 July 2026.
What is the welcome benefit?
500 points on ₹5,000 spend within 60 days.
Last verified: October 2026, against BOBCARD’s Premier card page and leaflet. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.