BOBCARD Select Credit Card
Positioned as the middle option in Bank of Baroda's BOBCARD lineup — a step up from the ₹500 Easy and a step below the ₹1,000 Premier — the Select card is best understood through what changes at each price point rather than through its headline numbers. The everyday earn rate stays flat at 1 reward point per ₹100 spent, exactly matching Easy, so the extra ₹250 in annual fee is really paying for a different set of bonus categories: dining (MCC 5812) and online purchases replace Easy's movie and department-store accelerators. Go up another ₹250 to Premier and you pick up a 2 RP/₹100 base rate plus airport lounge access, neither of which Select offers. On the bonus categories themselves, spending earns 5 points per ₹100 — worth roughly 1% once a BOBCARD point is valued at its standard ₹0.20 — but a shared cap of 1,000 points per statement cycle covers both dining and online together, meaning the accelerated rate runs out around ₹20,000 of combined spend in a month, capping the extra upside near ₹2,400 a year versus a ₹750 fee. Neither UPI transactions nor utility payments qualify for the 5X rate.
Key features
The standout details worth knowing before you apply.
Welcome Benefit
~₹100 in vouchers, points or cashback on card activation
1% on Dining
5X — 5 reward points per ₹100 (~1% at ₹0.20/point) on dining (MCC 5812). The 5X earn is capped at 1,000 points per statement cycle, SHARED with online; beyond that, spends earn the 1 RP/₹100 base
1% on Online Shopping
5X — 5 reward points per ₹100 (~1% at ₹0.20/point) on online spends. Capped at 1,000 points per cycle, SHARED with dining. UPI and utility (MCC 4900) spends are excluded from the 5X rate
Annual Fee Waiver
Fee of ₹750 + 18% GST (₹885 all-in)/yr fully waived when you spend ₹70,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
️ Insurance Cover
Personal accident cover (₹15 lakh air / ₹5 lakh non-air) withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026). BOB's page still advertises it — the dated MITC governs
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 1% | ₹200 |
| Online Shopping | reward points | 1% | ₹200 |
| Other | reward points | 0.2% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹885 |
| Joining fee (incl. 18% GST) | ₹885 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Roughly ₹1,200 a year in benefits sit outside the reward-points structure.
fuel waiver ~ ₹1,200 /yr
A 1% surcharge waiver applies to fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle. Note that fuel purchases don't earn reward points regardless
️ insurance
Personal accident cover (₹15 lakh air / ₹5 lakh non-air) withdrawn for cards issued after 15-Jul-2026 (existing cardholders covered only until 25-Aug-2026). BOB's page still advertises it — the dated MITC governs
Should you get it?
Best for: Bank of Baroda customer whose dining and online spend is the bulk of their card use, Everyday dining and online spender at around ₹20,000/month across the two, Wants a low fee-waiver bar rather than lounge access
Mid tier — a dependable choice for consistent monthly spending.
Delivers the most value for heavy Dining spenders ( 1% back).
✓ Pros
- 5 reward points per ₹100 (roughly 1%) on dining and online spends
- A relatively low ₹70,000 fee-waiver threshold
- 1% fuel surcharge waiver
✕ Cons
- BOB points valued at ₹0.20 each bring the bonus-category return down to roughly 1%
- Personal accident cover has been withdrawn for cards issued after 15 July 2026, with existing cardholders covered only until 25 August 2026
- The 1,000-point 5X cap is shared between dining and online spends combined, covering roughly ₹20,000 of blended monthly spend
- The base rate of 1 point per ₹100 matches the ₹250-cheaper BOBCARD Easy
- No lounge access or golf privileges — only the Premier variant adds lounges
- Can't be linked to UPI, since Bank of Baroda only extends UPI linking to its RuPay cards
- The annual fee applies in full unless the ₹70,000 spend waiver is met
- A 3.5% forex markup makes it unsuitable for international transactions
Eligibility & documents
Age
25 –55 years
Min. income
₹40,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
The routes available for turning earned points into actual value.
🎁 Statement credit / cashback adjustment (₹0.20/point)
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 BOBCARD SmartDeal portal: 4 points per ₹100 on flights and 10 points per ₹100 on hotels
What your BOB Reward Points are worth
What each point actually converts to depending on how you redeem it — the gap between routes is where most cardholders lose value without realizing it.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern Because the 1,000-point cycle cap applies jointly to dining and online rather than separately, the accelerated 5X rate effectively shuts off once combined spending in those categories crosses roughly ₹20,000 a month — and from that point on you're earning the identical 1 RP/₹100 base rate that the ₹250-cheaper Easy card already provides.
The bottom line
Whether Select earns its keep really comes down to a single question: do dining and online purchases make up the bulk of your monthly spending? That category pairing is the only real advantage it holds over the cheaper Easy card. Point value works out to roughly 1% on the bonus categories at BOBCARD's ₹0.20 rate, and the pooled 1,000-point cap per cycle keeps the ceiling fairly low. The card is worth judging on category fit and the ₹70,000 waiver threshold rather than the eye-catching 5X figure.
Sources & verification
Fee, reward-rate, and benefit details for the BOBCARD Select Credit Card come from BOBCARD 's official Most Important Terms & Conditions (MITC) and published fee schedule — see the card's official page . Last verified 15 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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