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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaBOBCARD PREMIER
Bank of Baroda

BOBCARD PREMIER

Reward Points Platinum
4.2/5.0CardwiseHQ Review
1st Year Fee: ₹1000(Joining fee waived on ₹10,000 spends within 60 days. Annual fee waived on ₹1,20,000 spends in an anniversary year.)
Primary Reward
10 Reward Points per ₹100 on Travel, International, and Dining spends.
1st Year Fee
₹1000
Fee Waiver
Joining fee waived on ₹10,000 spends within 60 days. Annual fee waived on ₹1,20,000 spends in an anniversary year.
4.2/5
Very Good
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Credit Card for Premium Travel and 'PREMIER' adventures.

Fees & Charges

BOBCARD PREMIER · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 1,000
Annual / Renewal Fee₹ 1,000
Fee Waiver ConditionJoining fee waived on ₹10,000 spends within 60 days. Annual fee waived on ₹1,20,000 spends in an anniversary year.

Rewards & Cashback

BOBCARD PREMIER · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate10 Reward Points per ₹100 on Travel, International, and Dining spends.
Secondary Reward Rate2 Reward Points per ₹100 on all other categories.
Max Cashback / Rewards (Monthly)5X rewards (Travel, International, Dining) capped at 2,000 Reward Points per statement cycle.
Welcome / Joining Bonus500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance.
Milestone BenefitsSpend ₹10,000 in first 60 days to waive joining fee. Spend ₹1,20,000 annually to waive annual fee.
Reward ExclusionsFuel, select MCCs.

Features & Benefits

BOBCARD PREMIER · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access Details1 complimentary airport lounge visit every quarter. Subject to minimum spends of ₹20,000 in the preceding calendar quarter (effective 1st Jan 2025).
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).
Insurance CoveragePersonal Accidental Death Cover (Air: ₹50 Lakhs, Non-Air: ₹10 Lakhs).
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

BOBCARD PREMIER · Detailed eligibility

ParticularsDetails
Minimum Annual Income₹ 7,20,000
Minimum Age25
Maximum Age55
Card VariantPlatinum
Best ForTravel Enthusiasts, Diners, International Spends

Pros & Cons

Advantages
  • 5X Reward Points on Travel, International, and Dining spends.
  • Complimentary Airport Lounge access every quarter.
  • 1% Fuel Surcharge Waiver on transactions between ₹400 and ₹5,000.
  • Joining and Annual Fee waiver on milestone spends.
  • Free Personal Accidental Death Cover (Air: ₹50 Lakhs, Non-Air: ₹10 Lakhs).
  • Up to 3 lifetime free add-on cards.
  • Smart EMI option for purchases over ₹2,500.
Disadvantages
  • 5X rewards are capped at 2000 Reward Points per statement cycle for accelerated categories.
  • Lounge access is subject to a minimum spend of ₹20,000 in the preceding quarter (effective Jan 2025).
  • Reward points are not earned on fuel transactions.

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.2/5
Very Good
Overall Editor Rating
Best For: Travel Enthusiasts, Diners, International Spends

BOBCARD PREMIER by Bank of Baroda is rated 4.2/5 by our editorial team. Credit Card for Premium Travel and 'PREMIER' adventures..

About BOBCARD PREMIER

The BOBCARD PREMIER is a premium credit card specifically designed for avid travelers and food enthusiasts. It offers an accelerated reward program, providing 5X (10 Reward Points per ₹100) on travel, international, and dining spends. Cardholders can enhance their journeys with complimentary airport lounge access every quarter, ensuring a comfortable experience. Beyond travel, the card includes a 1% fuel surcharge waiver, a welcome bonus of 500 reward points, and the flexibility to convert purchases into Smart EMIs. It also provides robust financial protection with a free Personal Accidental Death Cover and zero liability on lost cards, making it a comprehensive choice for a premier lifestyle.

Quick Facts

Joining Fee₹1,000
Annual Fee₹1,000
Card VariantPlatinum
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✓ Yes
Min Income₹7,20,000