Bank of Baroda Premier Credit Card
BOB · MASTERCARD★ 3.8/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
0.75% on Online Shopping
3X reward points on online transactions
0.75% on Dining
3X reward points on dining
Annual Fee Waiver
Fee of ₹999/yr fully waived when you spend ₹1,00,000/year
Milestone Bonus
~₹1,000 in bonus rewards on hitting annual spend milestones
BOB Premier earns 3X reward points on dining and online shopping — a practical everyday card for BOB account holders who want category rewards on their most common spending. Low ₹999 fee waived at ₹1.2L annual spend.
Who is this for?
For Bank of Baroda account holders who primarily spend on dining and online platforms and want a simple mid-tier card within their existing banking relationship.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 0.75% | — |
| Dining | reward points | 0.75% | — |
| Other | reward points | 0.25% | — |
Online Shopping: 3X reward points on online transactions
Dining: 3X reward points on dining
Other: 1X reward points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
1% fuel surcharge waiver
Milestone bonus on ₹1L quarterly spend
Should you get it?
- Best for: Everyday spenders, Online shoppers
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Online Shopping (0.75% back).
Pros
- Strong rewards that can offset the annual fee for the right spender
- Simple, accessible entry/mid-tier card
Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
Eligibility & documents
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
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your bob reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
The concern
Same-fee cards from SBI and HDFC out-earn it in every category — its only edge is the existing BOB relationship.
Bottomline
CardAdvisor Rating: 3.8 / 5Premier covers the everyday categories at a forgettable but fair rate for a ₹999 card. It is the sensible default for BOB account holders and an unremarkable choice for everyone else.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Bank of Baroda Premier Credit Card are taken from BOB's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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