Bank of Baroda Premier Credit Card

The Bottom Line

Lifetime Free, Low Rewards

10 reward points / ₹100 on dining, travel & foreign spends and 2 points on all other spends. 1% fuel surcharge waiver on all fuel spends.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	-1.1%^	0.8%	1.0%	1.1%	0.9%
Est. Monthly Reward (₹)	(60)	75	190	525	905
All-India Rewards Rank*	234	77	94	122	149
Within Bank Rank*	20	6	6	8	6
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Bank of Baroda Premier Credit Card gives 2.5% effective reward on dining, travel & foreign spending and 0.50% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.8-1.1% on spending above ₹10,000 with this card in a month.

The Snapdeal BoB Credit Card is the best card for most Bank of Baroda Card customers. It gives effective rewards of 5% for all purchases on the Snapdeal website & app and also gives 2.5% effective rewards on grocery and shopping.

We estimate this card gives a net reward yield of 1.2% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	Bank of Baroda Premier Credit Card
Card Type	Reward
Reward Features	10 Reward Points / ₹100 on: – Dining – Travel – Foreign Spends 2 Reward Points / ₹100 on all other spends
Milestone Rewards	Nil
Other Rewards	1 Complimentary Domestic Airport Lounge visits / Qtr.
Rewards Redemption Fee	Nil
Reward Caps	2,000 reward points p.m. on Dining, Travel & Foreign Spends
Preferred Redemption Method	Cashback against statement balance 1RP = ₹0.25

Fees & Charges

Card		Bank of Baroda Premier Credit Card
Joining Fee		Nil
Annual Fee		Nil
Min. Annual Credit Card Spend for Fee Waiver		N/A
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		39.00% p.a.
Foreign Currency Markup		3.49%
Cash Advance Charge		2.50% with a minimum of ₹300