Bank of Baroda credit cards compared

Aimed exclusively at women, the BOB Tiara's standout feature is a complimentary health package covering a Pap smear, blood work and a mammography — though the accompanying ₹10 lakh accidental death cover was pulled for cards issued on or after 15 July 2026 and stops for existing holders on 25 August 2026. Reward-wise, dining, travel and international purchases earn 15 points per ₹100 spent (roughly 3.75%, capped at 5,000 points a cycle under the 5X multiplier), while everything else earns 3 points per ₹100; a 2% markup applies on foreign transactions. Cardholders get unlimited domestic lounge visits (unlocked once prior-quarter spend crosses ₹75,000; no international lounges), a choice between Amazon Prime or JioHotstar plus Gaana Plus and three months of Swiggy One, and a quarterly voucher bundle — ₹500 apiece for Myntra, Nykaa and Flipkart, ₹1,500 for Lakmé Salon and ₹250 for Big Basket, all restricted to the primary cardholder. Spending ₹2.5 lakh in a year clears the ₹2,499 fee, and ₹25,000 within 60 days reverses the joining charge.

Bank of Baroda's Eterna targets everyday online, dining, travel and international spenders with an accelerated earn of 15 reward points per ₹100 — roughly 3.75% back at a ₹0.25-per-point valuation — capped by a shared 5,000 RP monthly ceiling across those four categories; spend outside them earns a flat 3 points per ₹100. BOBCARD has kept the card lifetime-free under a running promotional offer that it periodically renews, separate from the standard ₹12 lakh income requirement needed to qualify in the first place. Without that waiver, the annual fee runs ₹2,499, dropped once ₹2.5 lakh is spent in a card year, and the joining fee comes back as a credit after ₹25,000 of spend inside the first 60 days. Cardholders get unrestricted domestic lounge entry (contingent on ₹75,000 of spend the previous quarter), a competitive 2% currency conversion markup, a 20,000-point bonus at ₹5 lakh of yearly spend, and roughly ₹2,500 worth of points for a new cardholder who spends ₹50,000 within two months. Visa, Mastercard and RuPay variants are all available. One thing to note: a revision that took effect 15 July 2026 pushed the free-lounge spend requirement from ₹40,000 up to ₹75,000 per quarter, dropped the built-in insurance covers, and moved the finance charge to 3.75% monthly. Even with those trims, it remains a strong pick among premium cards for anyone spending consistently online or on travel.

BOB Premier is Bank of Baroda's mid-tier rewards option, built around a 5X accelerator that pays 10 reward points per ₹100 — roughly 2.5% back at ₹0.25 per point — on travel, dining and international spending, capped at 2,000 points a month across those categories combined. Everything else earns a flatter 2 points per ₹100. The ₹1,000 fee is currently being waived entirely as a limited-time lifetime-free offer; outside that promotion, the joining fee reverses on ₹10,000 of spend within 60 days, and the annual fee waives once you cross ₹1.2 lakh in yearly spend. The card also includes one airport lounge visit per quarter, unlocked by ₹20,000 of spend in the prior quarter. Overall it's a solid category-earning option for existing Bank of Baroda customers who travel and dine out regularly.