Bank of BarodaVisa
BOBCARD ETERNA
Net savings₹6,687/yr
Savings rate2.0%
Annual feeWaived ₹2,949
Lounge✈4 dom
✓ 15 RP/₹100 on travel, dining, international & online (5,000 RP/mo cap) earns you about…
Issuer · 6 cards · updated 2026-09-19
Bank of Baroda credit cards, ranked
Every Bank of Baroda card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.
Best Bank of Baroda credit card (Sept 2026): Bank of Baroda BOBCARD ETERNA – score 62/100, ₹6,687 net a year for the standard profile; HPCL BOBCARD ENERGIE is next. 6 Bank of Baroda cards on CardLens: 0 lifetime free, 4 with lounge access.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 3 Bank of Baroda cards
Bank of Baroda× HPCLVisa
HPCL BOBCARD ENERGIE
Net savings₹4,597/yr
Savings rate1.4%
Annual feeWaived ₹589
Lounge✈4 dom
✓ 24 RP/₹100 on HPCL fuel (fuel assumed at HPCL) earns you about ₹2,160 a year on ₹36,000…
Bank of BarodaVisa
BOBCARD TIARA
Net savings₹4,527/yr
Savings rate1.4%
Annual feeWaived ₹2,949
Lounge✈4 dom
✓ 15 RP/₹100 on dining, travel, international earns you about ₹2,934 a year on ₹78,240 of…
All 6 Bank of Baroda cards
| # | Card | Score | Net savings / yr | Type | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | BOBCARD ETERNABank of Baroda | 62/100 | ₹6,687 2.0% rate | Premium · 2% forex | Waived | 4 domestic/yr |
| 2 | HPCL BOBCARD ENERGIEBank of Baroda | 55/100 | ₹4,597 1.4% rate | Fuel · 3.5% forex | Waived | 4 domestic/yr |
| 3 | BOBCARD TIARABank of Baroda | 54/100 | ₹4,527 1.4% rate | Lifestyle · 3.5% forex | Waived | 4 domestic/yr |
| 4 |  BOBCARD PREMIERBank of Baroda | 50/100 | ₹3,138 1.0% rate | Premium · 3.5% forex | Waived | 4 domestic/yr |
| 5 |  BOBCARD SELECTBank of Baroda | 33/100 | ₹2,484 0.8% rate | Entry-level · 3.5% forex | Waived | No lounge access |
| 6 |  BOBCARD EASYBank of Baroda | 30/100 | ₹1,495 0.5% rate | Entry-level · 3.5% forex | Waived | No lounge access |
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
Recent Bank of Baroda changes
- New feeBank of Baroda
Bank of Baroda: 1% fee on education, large toll/bus and railway transactions
From 1 April 2026 BOB cards charge 1% on education payments, 1% on toll and bus transactions above ₹5,000 and 1% on railway bookings above ₹30,000. CardLens already excludes education from rewards on these cards; the fee is a further cost if you route fees through the card.
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Frequently asked questions
Which Bank of Baroda credit card is best?
For the standard ₹32k/month profile, Bank of Baroda BOBCARD ETERNA scores highest (62/100, ₹6,687 recurring net savings), ahead of HPCL BOBCARD ENERGIE (55). Your own spend can change the order – use Find My Card.
Which Bank of Baroda credit card is lifetime free?
None of the Bank of Baroda cards on CardLens is lifetime free; the cheapest renewal fee is ₹589 incl. GST.
Which Bank of Baroda credit card gives airport lounge access?
BOBCARD ETERNA (4 domestic); HPCL BOBCARD ENERGIE (4 domestic); BOBCARD TIARA (4 domestic); BOBCARD PREMIER (4 domestic).