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Bank of Baroda Select Credit Card

by Kshitiz V Sharma on

The Bottom Line

Bank of Baroda Select Credit Card
Lifetime Free, Low Rewards

5 Reward Points / ₹100 on dining & online spends and 1 point on all other spends. 1% Fuel Surcharge waiver up to ₹250 p.m.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -0.4%^ 0.2% 0.5% 0.5% 0.3%
Est. Monthly Reward (₹) (20) 15 90 245 335
All-India Rewards Rank* 190 207 223 256 319
Within Bank Rank* 19 20 16 15 18
* 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 Select Credit Card gives 1.25% effective reward on dining & online spending and 0.25% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.2-0.5% 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 Select Credit Card
Card Type Reward
Reward Features 5 Reward Points / ₹100 on:
– Dining
– Online Spends

1 Reward Points / ₹100 on all other spends

Milestone Rewards Nil
Other Rewards Nil
Rewards Redemption Fee Nil
Reward Caps 1,000 reward points p.m. on Dining and Online spends
Preferred Redemption Method Cashback against statement balance

1RP = ₹0.25

Fees & Charges

Card Bank of Baroda Select Credit Card
Joining Fee Nil
Annual Fee Nil
Min. Annual Credit Card Spend
for Fee Waiver
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 41.88%
Foreign Currency Markup 3.49%
Cash Advance Charge 2.50% with a minimum of ₹300
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