Bank of Baroda Premier Credit Card
Bank of Baroda · Mastercard
Why this card?
- 2.5% back in reward points on dining and food delivery, travel and international spends, up to ₹500 a month; 0.5% on other spends
- ₹1,000 annual fee; renewal fee waived on ₹1.2 lakh yearly spend
- 4 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- Bank of Baroda
- Network
- Mastercard
- Annual Fee
- ₹1,000
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 2.5% on dining (capped at ₹500/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- 4/yr
- Min. Monthly Income
- ₹60,000
- Rates verified
- 2026-10-06
Our verdict
Bank of Baroda Premier is a solid mid-range lifestyle card with 5X reward points (about 2.5% back) on dining, travel and international spends plus 1 complimentary domestic lounge visit per quarter, at a ₹1,000 fee waived at ₹1.2 lakh annual spend. It's a well-priced option for BoB bank customers who want category rewards and some lounge access without the premium fee bracket.
Pros
- 5X reward points (about 2.5% back) on dining, travel and international spends, capped at 2,000 points per cycle
- 1 complimentary domestic lounge visit per quarter (₹20,000 spend in the preceding quarter)
- Fee waived at ₹1.2 lakh annual spend (₹10,000/month)
- 500 bonus reward points welcome benefit on ₹5,000 spend within 60 days
Cons
- Only 1 quarterly lounge visit — not enough for frequent domestic travelers
- No international lounge or travel benefits
- 3.5% forex markup — not for international use