Bank of Baroda Credit Card

1. BOBCARD HPCL ENERGIE (Fuel & UPI)

• Fuel Savings: Up to 5% savings at HPCL outlets (4% rewards + 1% surcharge waiver).

• Utility & Grocery: 10 reward points for every ₹150 spent on bills and groceries.

• UPI Advantage: Link it to GPay/PhonePe for “Scan & Pay” using the RuPay network.

• Lounge: 4 complimentary domestic lounge visits per year.

2. IRCTC BOBCARD RuPay (Train Travel)

• 10% Value-back: Earn up to 40 reward points per ₹100 on train tickets (1AC, 2AC, 3AC).

• Railway Lounges: 4 complimentary visits per year (1 per quarter).

• Waiver: 1% transaction fee waiver on IRCTC bookings.

3. BOBCARD Premier (Travel & Dining)

• 5X Rewards: 10 points per ₹100 on Travel, Dining, and International spends.

• Lounge Access: 1 complimentary domestic lounge visit per quarter.

• Insurance: ₹50 Lakh Air Accident insurance cover.

4. BOBCARD Select & Easy (Daily Savings)

• Easy: 5X Rewards on Grocery, Departmental stores, and Movies.

• Select: 5X Rewards on Dining and Online shopping with a monthly 1,000-point bonus milestone.

---

Eligibility Criteria

To apply for a BOBCARD, applicants must generally fulfill the following requirements:

• Nationality: Must be an Indian Resident.

• Age Limit: * Primary Cardholder: 21 to 65 years.

  • Add-on Cardholder: Above 18 years.

• Employment Status: Both Salaried and Self-Employed individuals can apply.

• Minimum Annual Income (Indicative):

  • Easy / IRCTC / HPCL Energie: ₹3.6 Lakhs per annum (Others) | ₹2.4 Lakhs (Existing BoB customers).

  • Select: ₹4.8 Lakhs per annum.

  • Premier: ₹7.2 Lakhs per annum.

• Credit Score: A CIBIL score of 750 or above is recommended for better approval chances.

• Documents Required:

  • ID/Address Proof: Aadhaar Card, PAN Card, Voter ID, or Passport.

  • Income Proof: Last 3 months’ Salary Slips, Bank Statements, or the latest ITR (for self-employed).

---

Standard Benefits (Across All Cards)

• Smart EMI: Convert purchases above ₹2,500 into 6–36 months installments.

• Add-on Cards: Up to 3 lifetime free add-on cards for family members.

• Global Acceptance: Accepted at millions of merchant locations worldwide.

---

Disclaimer: All logos and card names are the property of Bank of Baroda (BOBCARD). This content is for informational purposes only; please refer to the official BOBCARD website for the most recent fees, terms, and eligibility rules.