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

BOBCARD SELECT

Mixed Classic
4.0/5.0CardwiseHQ Review
1st Year Fee: ₹750(Joining fee waived on ₹7,500 spends within 60 days. Annual fee waived on ₹70,000 annual spends.)
Primary Reward
5 Reward Points per ₹100 spent on online and dining spends
1st Year Fee
₹750
Fee Waiver
Joining fee waived on ₹7,500 spends within 60 days. Annual fee waived on ₹70,000 annual spends.
4.0/5
Very Good
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Credit Card for Online Shoppers

Fees & Charges

BOBCARD SELECT · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 750
Annual / Renewal Fee₹ 750
Fee Waiver ConditionJoining fee waived on ₹7,500 spends within 60 days. Annual fee waived on ₹70,000 annual spends.

Rewards & Cashback

BOBCARD SELECT · Detailed rewards & cashback

ParticularsDetails
Reward TypeMixed
Primary Reward Rate5 Reward Points per ₹100 spent on online and dining spends
Secondary Reward Rate1 Reward Point per ₹100 spent on all other categories
Max Cashback / Rewards (Monthly)₹200 per statement cycle (1000 reward points @ ₹0.20/point)
Welcome / Joining Bonus500 reward points on spends of ₹5,000 within 60 days
Reward ExclusionsFuel transactions and select MCCs

Features & Benefits

BOBCARD SELECT · Detailed features & benefits

ParticularsDetails
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on ₹400 - ₹5,000 transactions (Max. ₹250 per statement cycle)
Insurance Coverage₹15 Lakhs Air accidental death cover, ₹5 Lakhs Non-Air accidental death cover
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

BOBCARD SELECT · Detailed eligibility

ParticularsDetails
Minimum Age25
Maximum Age55
Card VariantClassic
Best ForOnline Shoppers, Dining Enthusiasts

Pros & Cons

Advantages
  • Earn 5X rewards on online and dining spends (capped)
  • Welcome bonus of 500 reward points on initial spends
  • Joining and annual fees can be waived on milestone spends
  • 1% fuel surcharge waiver on transactions between ₹400-₹5,000
  • Free Personal Accidental Death Cover (Air: ₹15L, Non-Air: ₹5L)
  • Convert purchases over ₹2,500 into Smart EMIs
  • Up to 3 lifetime free add-on cards available
  • Zero liability on lost card and contactless payment enabled
Disadvantages
  • 5X rewards are capped at 1000 reward points per statement cycle
  • Reward points are not earned on fuel transactions
  • Minimum age for application is 25 years

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.0/5
Very Good
Overall Editor Rating
Best For: Online Shoppers, Dining Enthusiasts

BOBCARD SELECT by Bank of Baroda is rated 4.0/5 by our editorial team. Credit Card for Online Shoppers.

About BOBCARD SELECT

The BOBCARD SELECT is meticulously designed for online shopping enthusiasts, offering extra savings on everyday spends. It stands out as a premier choice for those who love the convenience and thrills of online shopping while seeking true value for money. This card delivers enhanced rewards on your online and dining expenses, alongside a suite of value-added benefits. Key features include a generous 5X rewards program on specific categories, a welcome bonus, and flexible fee waiver options based on spending milestones. Further benefits include a fuel surcharge waiver, the convenience of Smart EMI conversions for larger purchases, and complimentary personal accidental death cover. With contactless payment capabilities and the option for lifetime free add-on cards, the SELECT card is tailored to maximize rewards and provide security for its users.

Quick Facts

Joining Fee₹750
Annual Fee₹750
Card VariantClassic
Lounge Access✕ No
Fuel Waiver✓ Yes
Contactless✓ Yes