BOB Select Credit Card Review – Another Popular Rewards-Based Card Issued By Bank of Baroda Financial. it is an entry-level 5X reward-based Credit Card for beginners. it allows getting upto 5X Reward Points on every ₹100 spent on Dining and Online Purchases. Furthermore, it also provides 1X Reward Points on 100 or Above spent on all other categories of purchases.
It could beneficial card for you to get rewards on online shopping and additional benefits such as Fuel Surcharge Waiver, Multiple redemption options, and Zero annual fees basis card usage.
The card offers a Contactless Payment Method to do any transactions up to ₹5000 as per RBI Regulations, without putting Secret Digit PIN. it comes with a reversal/waiver of annual fees with conditions, you have to Spend ₹7,500 within 60 days and ₹70,000 in a year to get the Annual Fees Waiver Benefit.
Apart from these, It supports all additional Bank of Baroda Features, For instance,
- 3 Lifetime Free Add-on card
- In-built insurance cover
- Zero liability on lost card
- Upto 50 Days Interest-free credit facility
- Revolving credit Feature
- Multiple redemption options
- Easy EMI option
Through this Article, we will share with you a brief review of the BOB Select Credit Card, which can find all solutions to your queries related to the Bank of Baroda Select Credit Card. for instance, limit, airport lounge access, benefits, charges, eligibility, and more.
The Benefits And Review of the BOB Select Credit Card
Table of Content
- The Benefits And Review of the BOB Select Credit Card
- Bank of Baroda (BOB) Select Credit Card Highlight Factors
- What Are The BOB Select Credit Card Offers And Benefits
- Discounts And Reward Points
- Additional Features on BOB Select Credit Card
- How to Use Reward Points Redemption
- What Are Card Charges and Fees
- What Are the Eligibility Criteria For SELECT Credit Card By Bank of Baroda?
- FAQ
- Popular Credit Cards By Axis Banks
Bank of Baroda (BOB) Select Credit Card Highlight Factors

Points | Description |
---|---|
Card Type | LOW-END Card And Online spending card |
Best Suitable | Rewards on Shopping + Online Spending |
Card Benefits & Features | – Up To 1% Fuel Surcharge Waiver on fuel purchase transactions in between ₹400 and ₹5,000. – Redeem your Earned Bank of Baroda Reward points as cashback and other Various options – Easy EMI option Convert your all transactions up to ₹2500 And Above into monthly Simple EMI. – Spend 7,500 within 60 days and Annual Fee Waiver Benefit – Free Add-on card for Upto 3 – free Personal Accidental Death Cover – Zero liability Facility on any fraudulent transactions – Up to 50 days of interest-free credit facility – Revolving credit facility |
Reward Points or Cashbacks | – Earn Up To 5X Reward Points on every ₹100 or Above Spent on Online And Dining Categories Shopping (Capped at 1,000 Reward Points) – Get 1 Reward Point for EACH And every ₹100 spent on other categories – Get 0.5 Reward Points on ₹100 and up spends on Selected MCCs. – No Rewards on fuel transactions |
Welcome Gift | BOB Reward Points Or Cashback on Daily Expenses in All Categories |
Annual Fee Waiver | Make transactions upto ₹7,500 within 60 days and ₹70,000 in a year To Get Annual Membership Charges Waiver Facility |
What Are The BOB Select Credit Card Offers And Benefits

Bank of Baroda Select Credit Card is another awesome card for you to get rewards on each purchase for you. it is mainly focused on providing rewards for online spending and dining bills. it allows you to get upto 5X Rewards on each purchase of upto ₹100 Selected Online and Dining spending. moreover, it provides 1 Reward point on every transaction upto ₹100 on other categories and 0.5 Rewards on Select MCCs.
It supports bank of Baroda Features and benefits –
- Fuel Surcharge Waiver – Get a 1% Waiver across fuel stations in India (29 States)
- Zero Annual Charges – Spends up to 7500 and 70000 In a Year To Get Zero Annual Fee Waiver
- In-built insurance cover – free Personal Accidental Death Cover as an In-Built Insurance Cover
- Zero liability on the lost card – Report Immediately and Get Stolen Card Protection
- Revolving credit facility – Pay the Minimum Amount Due
- Interest-free credit facility – Total 50 days of the interest-free period
The First year Fee is ₹750 Which comes with the facility of an Annual Fee Waiver with Reversal/Waiver criteria, you have to use the card and Spend ₹7,500 on your card within the first 60 days to get First Year Fee Waiver Benefit. Furthermore, you have to Spend ₹70,000 within the previous year To Waive your Annual charges.
Discounts And Reward Points
Reward Points & Cashback On Card | Explanation |
---|---|
Online Transactions | 5X Reward Points Per ₹100 or Above Dining and Online Spends |
Offline Transactions | 1 Reward Point Per ₹100 or Above Transactions on other categories of shopping |
Stolen Card Insurance cover | Report the loss of card immediately and get Zero liability Support on the lost cards and any fraudulent transactions |
Fuel Surcharge Waiver | – Fuel Surcharge Waiver across India and all fuel stations – Capped at up to ₹250 per statement cycle – 1% Fuel Surcharge Waiver on each transaction between ₹400 and ₹5,000 – No Reward Points on fuel shopping |
Domestic Airport Lounge Access Limit | Not Available |
International Lounge Access Limit | Not Available |
Additional Features on BOB Select Credit Card
How to Use Reward Points Redemption
You can redeem your Earned reward points and bonus reward points into direct cashback and other thrilling options
What Are Card Charges and Fees
List of Charges | Overview |
---|---|
Welcome Benefits | Rewards on Online/offline Purchases |
Annual Fees on The Card | In Limited Time Period Offer You can get this Free For Lifetime with No Annual charges |
First Year Fee | ₹750 Per Year + GST – With First Year Fee Waiver |
Joining Charges | ₹750 + GST |
Taxes And Charges | GST Tax |
Finance Fees (Interest Rate) | – 3.25% per month – 39% Annually |
Late Payment Fee | The late payment charges will be ₹300 to ₹500 as per the total overdue payment |
Replacement Card | ₹100 Per Replacement |
Foreign Currency Mark Up | 2.75% of total transaction payment |
Add-on cards | 3 lifetime-free add-on cards |
Free Credit Period | Up to 50 Days |
What Are the Eligibility Criteria For SELECT Credit Card By Bank of Baroda?
The applicant must be 21 years at least to get the card. As I Already Said, it is an entry-level card therefore, anyone who earns a salary of ₹12,000 or More can submit the application to get the card. moreover, it is available for both salaried individuals and Self-Employed.
the additional criteria you must have to follow to get fast approval. such as A Good Credit Score of upto 750 and must be Resident of India.
Eligibility Criteria | Overview |
Only For | Salaried, Professionals, Self-Employed |
Should be a resident of India | Yes |
Your Age Must Be For Primary Card | 21 years to 65 years |
Add-On Card | 18 years and above |
Minimum Salary Requirement | ₹12,000 Per Month (ITR, Salary Slip, Form 16 Documents May Ask Required) |
Credit Score | Must have a Good Credit Score Upto 750 |
Bank of Baroda may ask the documents such as PAN Card, Aadhar Card, And ITR To complete the process and get delivered to your registered Communication Address. below, we mentioned the list of documents that BOB Bank will ask for –

FAQ
BOB Select Card is a low-end or entry-level credit card for new individuals. it mainly focuses to provide rewards for online shopping and dining bill payments. it could be a fantastic card for you to get plenty of features such as 50 days Interest-free credit facility, Fuel Surcharge Waiver, and In-built insurance coverage.
1800 102 44 55 is the Contact center/IVR toll-free number to connect with Bank of Baroda and ask queries related to Bank of Baroda credit cards.
Popular Credit Cards By Axis Banks
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