Bank of Baroda BOBCARD SELECT credit card
Bank of BarodaVisaEntry-level

BOBCARD SELECT credit card

5X on online, utilities and dining for a ₹750 fee.

33
Personal score33/100● Weak fit
Recurring net savings₹2,484/yrafter fee, GST and caps · bills paid in full
First-year value₹1,599no welcome offer, ₹885 joining fee
Effective savings rate0.8%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹885waiver at ₹60,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: Bank of Baroda – BOBCARD SELECT product page · last reviewed 2026-09-12

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

Why it fits – and what to watch

hover any tile for the detail
₹1,803/yr5 RP/₹100 on online, utilities, dining
Waived₹885 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹2,484/yr · 0.8%
5 RP/₹100 on online, utilities, diningon ₹1,44,240₹1,803
Base rate 0.25% on other spendson ₹1,28,400₹321
Excluded categories (no rewards)on ₹54,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹2,484/yr is calculated
BOBCARD SELECT
+ Reward value on your spendat ₹0.25/Reward Points realistic value
₹2,124
+ Fuel surcharge waiver1% up to ₹250/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹885 at ₹60,000 spend
₹0
= Recurring net savings
₹2,484/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
0.8%

How the score of 33 is built

weights total 100% · methodology
Net savings rate15/100 × 55%8.5
Usable lounge access0/100 × 15%0.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

What changed on this card

  1. 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.

    Cards: BOBCARD ETERNA, BOBCARD PREMIER, BOBCARD EASY, BOBCARD SELECT, BOBCARD TIARA, HPCL BOBCARD ENERGIE · Source: SaveSage – Credit card devaluations in 2026 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.25%value on eligible spend
⚡ Accelerated1.25% 5 RP/₹100 on online,…
🚫 No rewards onfuelrentinsuranceeducation
🏷️ Fees₹885/yr incl. GSTwaived on ₹60,000 spend · joining ₹750
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/Reward Points ★★★☆☆1 point = ₹0.25 on the catalogue.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Utility rewards
  • Easy waiver
  • Low value

Community Q&A on the BOBCARD SELECT

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the Bank of Baroda BOBCARD SELECT?

Joining fee ₹750 and renewal fee ₹750, plus 18% GST (₹885 a year). The renewal fee is waived if you spend ₹60,000 in the card year.

Does the BOBCARD SELECT give airport lounge access?

No lounge access. None.

How much can I save with the BOBCARD SELECT?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,484 a year, an effective savings rate of 0.8% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the BOBCARD SELECT's reward exclusions and caps?

No rewards on fuel, rent, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: BOBCARD SELECT lounge access by airport · all Bank of Baroda cards · change log.