Bank of Baroda Select Credit Card
Bank of Baroda · Visa
Why this card?
- 1% back in reward points on online shopping and dining and food delivery, up to ₹200 a month; 0.2% on other spends
- ₹750 annual fee; renewal fee waived on ₹70,000 yearly spend
- 1% fuel surcharge waiver
Card details
- Issuer
- Bank of Baroda
- Network
- Visa
- Annual Fee
- ₹750
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 1% on online shopping (capped at ₹200/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹25,000
- Rates verified
- 2026-10-06
Our verdict
Bank of Baroda Select is a competent lifestyle card from a major government bank — about 1% back as points on online shopping and dining (capped at ₹200 a month), with a ₹750 annual fee and no joining fee. It appeals to BOB account holders who want a reliable mid-tier card from their primary bank.
Pros
- About 1% back as points on online and dining spends covers two of the biggest digital spending categories
- ₹750 annual fee with no joining fee is modest for a lifestyle card
- BOB's extensive branch presence in smaller cities is a practical service advantage
- Fee waiver at ₹70,000 annual spend is achievable for most cardholders with moderate regular use
Cons
- Base rate is only about 0.2% back, and the online and dining bonus is capped at ₹200 a month
- BOB's digital banking and card management app is less polished than private bank equivalents
- No lounge access, domestic or international
- 3.5% forex makes it poorly suited for any international use case