Table of Contents
- 1. BOBCARD Credit Card Portfolio, Quick Overview
- 2. BOBCARD ETERNA [Best Overall]
- 3. BOBCARD Cashback [Best Cashback Card]
- 4. BOBCARD Etihad Guest Premium [Best Airline Co-Brand]
- 5. BOBCARD TIARA [Best Women's Card]
- 6. BOBCARD Etihad Guest [Best Travel Credit Card]
- 7. BOBCARD PREMIER [Best Budget Travel Card]
- 8. BOBCARD SELECT [Best Online Shopping Card]
- 9. HPCL ENERGIE BOBCARD [Best Fuel Card]
- 10. BOBCARD Scapia Credit Card [Best Lifetime Free Travel Card]
- 11. BOBCARD PRIME [Best Secured / FD-Backed Card]
- 12. Top 10 BOBCARD Cards- Detailed Comparison
- 13. How to Choose the Right BOBCARD Credit Card for You
- 14. Mistakes to Avoid When Choosing a BOBCARD Credit Card
- 15. Frequently Asked Questions
BOBCARD, the credit card subsidiary of Bank of Baroda, one of India's largest public sector banks, has built one of the most comprehensive credit card portfolios among PSU-backed issuers. From entry-level cashback cards to premium airline co-brands, BOBCARD now covers nearly every major spending need and income segment.
This guide breaks down the 10 best BOBCARD credit cards for 2026, mapped to 10 distinct use cases: overall lifestyle, cashback, travel, rewards, fuel, premium benefits, entry-level access, shopping, airline co-brand, and secured card. Every card listed is verified from bobcard.co.in as of March 2026.
BOBCARD Credit Card Portfolio, Quick Overview
| Card | Category | Annual Fee | Best For | Income Eligibility |
|---|---|---|---|---|
| ETERNA | Premium Lifestyle | ₹2,499 (LTF till Mar 2026) | Unlimited lounge + 5X rewards | ₹12L+ p.a. |
| TIARA | Women's Premium | ₹2,499 (LTF till Mar 2026) | Unlimited lounge + wellness perks | ₹7.2L+ p.a. |
| Etihad Guest Premium | Airline Co-brand | ₹5,000 | Etihad Miles + 0% forex + 20 lounge visits | ₹18L+ p.a. |
| Etihad Guest | Airline Co-brand | ₹2,499 | Etihad Miles + 1% forex + 12 lounge visits | ₹18L+ p.a. |
| PREMIER | Travel/Lounge | ₹1,000 (LTF till Mar 2026) | 1 lounge/quarter + 5X travel rewards | ₹7.2L+ p.a. |
| BOBCARD Cashback | Cashback | ₹499/year or ₹49/month | 5% online cashback + auto-credit | ₹3.2L+ salaried |
| SELECT | Shopping/Rewards | ₹750 (LTF till Mar 2026) | 5X online + 2D + 6I lounge visits/year | ₹4.8L+ p.a. |
| HPCL ENERGIE | Fuel | Joining fee applies | 80L free fuel/year + 25% movie discount | Verify on site |
| SCAPIA (BOBCARD) | Travel/Rewards | Lifetime Free | 20% rewards on Scapia travel bookings + 0% forex | Verify on site |
| PRIME | Secured/FD-backed | Lifetime Free | FD-backed, guaranteed issuance, no income proof | FD required |
*All fees, income criteria and benefits verified from bobcard.co.in as of March 2026. LTF = Lifetime Free offer. Features subject to change, always verify on official BOBCARD website before applying.
1. BOBCARD ETERNA [Best Overall]
Annual Fee: ₹2,499 (LTF offer ends soon) | Income: ₹12L+ p.a. | Age: 25–55
BOBCARD ETERNA is the flagship card in the BOBCARD portfolio, and the strongest overall credit card the brand offers. It combines unlimited domestic airport lounge access, premium reward rates across lifestyle categories, a ₹48,000 welcome gift, and comprehensive insurance cover, all backed by Bank of Baroda.
Why it leads the portfolio
● Unlimited complimentary domestic airport lounge access at 60+ airports, no cap on visits, subject to spending ₹40,000 in the preceding quarter
● 5X Reward Points (15 points per ₹100) on dining, travel, online shopping and international spends
● 3X Reward Points on all other eligible spends
● All reward points redeemable as cashback at ₹0.25 per point, 3.75% effective return on best categories
● 12-month FitPass Pro membership worth ₹48,000 as a welcome gift, activate within 60 days
● Buy 1 Get 1 movie ticket via District app, up to ₹250 off per month
● Low 2% forex markup on international transactions
● 10,000 bonus reward points on spending ₹50,000 in the first 60 days
● 20,000 bonus reward points on spending ₹5,00,000 in a card anniversary year
● Joining fee waived on spending ₹25,000 in 60 days | Annual fee waived on ₹2.5L/year
● Personal accidental death cover: Air ₹1 crore | Non-Air ₹10 lakh
● Smart EMI on purchases above ₹2,500 (6–48 months) | Up to 3 free add-on cards
● Annual smart savings of up to ₹81,000 at ₹8.4L eligible spend
ETERNA delivers unlimited domestic lounge access, a ₹48,000 welcome gift, and 3.75% rewards, at ₹2,499 annual fee.
2. BOBCARD Cashback [Best Cashback Card]
Annual Fee: ₹499/year or ₹49/month | Income: ₹3.2L+ salaried | ₹4L+ self-employed | Age: 25–55
BOBCARD Cashback is the portfolio's entry into the 5% cashback segment, and it does so at the lowest annual fee of any competing 5% cashback card in India. The card is built around simplicity: real money credited automatically to your statement every month, with no redemption portal.
Why it stands out
● 5% cashback on eligible domestic online spends, grocery delivery, restaurant orders, cab rides, streaming, pharmacy, education fees and more (capped at ₹1,500/month; minimum 4 transactions/cycle required)
● 1% unlimited cashback on all other eligible spends, offline, fuel-excluded
● Auto-credited to your monthly statement, no portal, no conversion, no expiry
● GPay compatible via Mastercard, earns cashback on eligible QR scan payments too
● Fuel surcharge waiver: 1% on transactions ₹400–₹5,000 (max ₹250/cycle)
● Smart EMI on purchases above ₹2,500 | Up to 3 free add-on cards
● Fee flexibility: switch between monthly (₹49) and annual (₹499) once during card lifetime
Lowest annual fee in the 5% cashback segment (₹499/year). Income from ₹3.2L salaried, the most accessible cashback card in the BOBCARD range.
Best for: salaried individuals who order groceries, food, and essentials online regularly and want real money back without managing a rewards programme.
3. BOBCARD Etihad Guest Premium [Best Airline Co-Brand]
Annual Fee: ₹5,000 + GST | Income: ₹18L+ p.a. | Age: 25–60 | Annual fee waived on ₹5L spend
The BOBCARD Etihad Guest Premium Credit Card is the strongest travel card in the BOBCARD portfolio for international flyers, specifically those who fly Etihad Airways. Launched in January 2026 as India's replacement for the discontinued SBI Etihad co-brand, it offers 0% forex markup, accelerated Etihad Guest Miles, and 20 complimentary airport lounge visits per year.
Key features
● 6 Etihad Guest Miles per ₹100 spent on Etihad Airways, the highest co-brand earn rate for Etihad in India
● 2 Etihad Guest Miles per ₹100 on all other domestic and international eligible spends
● 0% forex markup on all international transactions, rare among co-brand cards
● Welcome: 5,000 Etihad Guest Miles on paying joining fee + spending ₹25,000 in first 60 days
● Instant Silver Tier status on first card transaction | Gold Tier on first spend on etihad.com within 6 months
● 20 complimentary lounge visits per year: 12 domestic (3/quarter) + 8 international (2/quarter), no spend condition attached
● Monthly bonus: 500 miles on 4 transactions totalling ₹50,000 in a month
● Quarterly bonus: 4,000 miles on ₹3,00,000 quarterly spend
● Annual bonus: 24,000 miles on ₹12,00,000 annual spend
● GPay compatible | 1% fuel surcharge waiver (₹500–₹5,000; max ₹250/cycle)
● Smart EMI on purchases above ₹2,500
Unique advantage: No spend condition on lounge access, 12 domestic + 8 international visits per year, from day one. 0% forex markup on international transactions.
Best for: frequent Etihad Airways travellers, international business travellers, and high spenders who want airline status benefits and maximum miles accumulation with Bank of Baroda's backing.
4. BOBCARD TIARA [Best Women's Card]
Annual Fee: ₹2,499 | Income: ₹7.2L+ p.a. | Age: 25–55
BOBCARD TIARA is a premium lifestyle credit card designed exclusively for women. It delivers the same unlimited domestic lounge access as ETERNA at a lower income threshold, with a rich stack of lifestyle, wellness, shopping and entertainment benefits that no other BOBCARD card offers.
Key features
● Unlimited complimentary domestic lounge access, ₹40,000 spend in preceding quarter | Primary cardholder
● 5X Reward Points (15 points per ₹100) on dining, travel and international spends
● Low 2% forex markup on international transactions
● 12-month FitPass Pro membership worth ₹48,000 (activate within 60 days)
● Complimentary annual memberships: Amazon Prime / Disney+ Hotstar and Gaana Plus
● 3-month Swiggy One membership, free food delivery and Instamart benefits
● Quarterly discounts: ₹500 each at Nykaa, Flipkart and Myntra
● Quarterly discount: ₹1,500 at Lakmé Salon
● Quarterly discounts of ₹250 each at BookMyShow and BigBasket
● Complimentary women's health package: Pap Smear & Blood Tests, Mammography package
● Joining fee waiver on ₹25,000 spend in 60 days | Annual fee waiver on ₹2.5L/year
● UPI-linked via RuPay, add to Google Pay, PhonePe, BHIM and other UPI apps
● Lifestyle benefits worth up to ₹31,652+ per year
TIARA is the only BOBCARD card with women's health benefits, Pap Smear, Blood Tests, Mammography. Lifestyle perks worth ₹31,652+ per year.
Best for: working women, homemakers and professionals aged 25–55 who want unlimited lounge access, fitness coverage and exclusive lifestyle benefits.
5. BOBCARD Etihad Guest [Best Travel Credit Card]
Annual Fee: ₹2,499 + GST | Income: ₹18L+ p.a. | Age: 25–60 | Annual fee waived on ₹3L spend
The BOBCARD Etihad Guest Credit Card is the accessible version of the Etihad co-brand pair. It earns Etihad Guest Miles on every transaction, includes 12 lounge visits per year, and charges a low 1% forex markup, making it a practical card for moderate-frequency Etihad travellers.
Key features
● 3 Etihad Guest Miles per ₹100 spent on Etihad Airways
● 1 Etihad Guest Mile per ₹100 on all other domestic and cross-border eligible spends
● 1% forex markup on international transactions
● 8 complimentary domestic lounge visits per year (2/quarter) + 4 international (1/quarter)
● Welcome: 2,500 Etihad Guest Miles on paying joining fee + spending ₹10,000 in first 60 days
● Silver Tier status on first card spend | Upgrade to Silver on first etihad.com transaction within 6 months
● Monthly bonus: 250 miles on 4 transactions totalling ₹25,000
● Quarterly bonus: 2,000 miles on ₹2,00,000 quarterly spend
● Annual bonus: 12,000 miles on ₹7,50,000 annual spend
● Annual fee waived on ₹3,00,000 annual spend | GPay compatible
● 1% fuel surcharge waiver (₹500–₹5,000; max ₹250/cycle)
Best for: Etihad flyers who travel 2–4 times a year on Etihad and want to start accumulating miles without paying the premium card's ₹5,000 fee.
6. BOBCARD PREMIER [Best Budget Travel Card]
Annual Fee: ₹1,000 | Income: ₹7.2L+ p.a. | Age: 21–60 (salaried)
BOBCARD PREMIER is the travel card for people who fly occasionally and want a reliable domestic lounge benefit at the lowest fee in the BOBCARD range. At ₹1,000 annual fee with a LTF offer running through March 2026, it is the most accessible lounge access card BOBCARD offers.
Key features
● 1 complimentary domestic airport lounge visit per quarter, subject to ₹20,000 spend in preceding quarter
● 5X Reward Points (10 points per ₹100) on travel, dining and international spends, capped at 2,000 points/cycle
● 2X Reward Points on all other eligible spends
● 500 bonus reward points on spending ₹5,000 in first 60 days
● Annual smart savings of up to ₹18,500
● Joining fee waiver on ₹10,000 spend in 60 days | Annual fee waiver on ₹1.2L/year
● Smart EMI | 1% fuel surcharge waiver (₹400–₹5,000; max ₹250/cycle) | Up to 3 free add-on cards
● RuPay variant, link to Google Pay, PhonePe and UPI apps
● Personal accidental death cover | Zero liability on lost card
Best for: professionals and occasional domestic travellers (2–4 flights/year) who want a reliable lounge visit each quarter and solid travel rewards at a low annual fee.
7. BOBCARD SELECT [Best Online Shopping Card]
Annual Fee: ₹750 | Income: ₹4.8L+ p.a. | Age: 21–65 (salaried)
BOBCARD SELECT is positioned for regular online shoppers. It earns 5X rewards on dining and online purchases and, through the Mastercard lounge programme, includes 2 domestic and 6 international lounge visits per year, an unusually strong benefit for a card at the ₹750 fee level.
Key features
● 5X Reward Points (5 points per ₹100) on dining and online purchases, capped at 1,000 points/month
● 1X Reward Point on all other eligible spends
● 4X extra rewards on flights booked via BOBCARD SmartDeal
● 10X extra rewards on hotels booked via BOBCARD SmartDeal
● 2 complimentary domestic + 6 international airport lounge visits per year via Mastercard programme
● 500 bonus reward points on spending ₹5,000 in first 60 days
● Joining fee waiver on ₹7,500 spend in 60 days | Annual fee waiver on ₹70,000/year
● Personal accidental death cover: Air ₹15L | Non-Air ₹5L | Zero liability on lost card
● 1% fuel surcharge waiver (₹400–₹5,000; max ₹250/cycle) | Up to 3 free add-on cards
SELECT is the only BOBCARD card under ₹1,000 annual fee with international lounge access, 6 international visits per year via Mastercard at just ₹750/year.
Best for: regular online shoppers with ₹4.8L+ income who want decent dining and shopping rewards plus surprise international lounge access at the lowest fee tier.
8. HPCL ENERGIE BOBCARD [Best Fuel Card]
Co-branded with HPCL | Best benefit: up to 80 litres free fuel per year | Joining bonus: 500 reward points
The HPCL ENERGIE BOBCARD is the dedicated fuel card in the BOBCARD portfolio, a co-brand with Hindustan Petroleum Corporation Limited (HPCL). It is built for daily commuters and road travellers who fuel at HPCL outlets regularly.
Key features
● Up to 80 litres of free fuel per year through HPCL Fuel Points earned on every HPCL swipe
● Accelerated Fuel Points on HPCL petrol pump transactions
● 25% discount on movie tickets, one of the few fuel cards with a significant entertainment benefit
● 500 reward points as joining bonus on first transaction
● Fuel surcharge waiver at HPCL outlets
● Additional rewards on everyday eligible spends outside fuel
● Smart EMI on purchases above ₹2,500
Best for: daily commuters and two/four-wheeler owners who fuel primarily at HPCL pumps and want to convert fuel spending into free litres throughout the year.
9. BOBCARD Scapia Credit Card [Best Lifetime Free Travel Card]
Annual Fee: Lifetime Free | Network: Mastercard | Co-brand: Scapia travel platform | Forex Markup: 0%
The BOBCARD Scapia Credit Card is a co-branded product with Scapia, a travel-focused app, and is one of the few lifetime free credit cards in India to offer both unlimited domestic lounge access and 0% forex markup simultaneously. For budget-conscious frequent travellers, it is one of the most compelling value propositions in the BOBCARD portfolio.
Key features
● 20% rewards on travel bookings made via the Scapia app, credited as Scapia Coins redeemable for flights, stays, trains, buses and travel visas on Scapia
● 0% forex markup on international transactions, no extra charge on overseas spending
● Unlimited domestic airport lounge access, subject to spending ₹10,000/month on Visa or ₹15,000/month on RuPay
● Lifestyle benefits at Scapia partner brands
● Completely free to hold, no joining fee, no annual fee
Lifetime free. 0% forex markup. Unlimited domestic lounge access. BOBCARD Scapia is one of the most feature-rich no-fee travel cards in India when the monthly spend condition is met.
Best for: frequent domestic and international travellers who book travel primarily through apps and want a zero-cost card with no forex penalty and unlimited lounge access.
10. BOBCARD PRIME [Best Secured / FD-Backed Card]
Annual Fee: Lifetime Free | Issuance: Against Bank of Baroda Fixed Deposit | Income proof: Not required | Guaranteed issuance
BOBCARD PRIME is the secured credit card in the BOBCARD portfolio, issued against a fixed deposit with Bank of Baroda. It requires no income proof, no credit history, and guarantees issuance for eligible FD holders, making it the most accessible card in the BOBCARD range.
Key features
● Issued against a Bank of Baroda fixed deposit, credit limit tied to FD value (typically 75–90%)
● Guaranteed issuance, no income proof or credit history required
● Lifetime free, no joining fee, no annual fee
● Reward points on eligible everyday spending
● Smart EMI and basic credit card functionality
● FD continues earning interest while the card is active
● Helps build CIBIL score with responsible usage over 12–18 months
BOBCARD PRIME: FD-backed. Lifetime free. Guaranteed issuance. The right starting point for first-time credit card holders, students, or those rebuilding credit.
Best for: first-time credit card applicants with no credit history, individuals rebuilding a damaged CIBIL score, students, and homemakers who want access to credit without income documentation.
Minimum FD amount and exact terms, verify at bobcard.co.in/credit-card-types/prime. FD rates and credit limit calculations are governed by Bank of Baroda's current FD terms.
Top 10 BOBCARD Cards- Detailed Comparison
Annual Fee & Income Eligibility
| Card | Annual Fee | Fee Waiver Threshold | Income Eligibility |
|---|---|---|---|
| ETERNA | ₹2,499 (LTF till Mar 2026) | ₹2.5L/year | ₹12L+ p.a. |
| TIARA | ₹2,499 (LTF till Mar 2026) | ₹2.5L/year | ₹7.2L+ p.a. |
| Etihad Guest Premium | ₹5,000 | ₹5L/year | ₹18L+ p.a. |
| Etihad Guest | ₹2,499 | ₹3L/year | ₹18L+ p.a. |
| PREMIER | ₹1,000 (LTF till Mar 2026) | ₹1.2L/year | ₹7.2L+ p.a. |
| BOBCARD Cashback | ₹499/year or ₹49/month | No waiver | ₹3.2L+ salaried |
| SELECT | ₹750 (LTF till Mar 2026) | ₹70,000/year | ₹4.8L+ p.a. |
| PRIME | Lifetime Free | N/A | FD with Bank of Baroda |
*All fees are indicative. LTF = Lifetime Free offer. Income criteria are net annual. Verify current terms on bobcard.co.in.
Rewards & Key Benefits
| Card | Best Earn Rate | Lounge Access | Forex Markup | Standout Benefit |
|---|---|---|---|---|
| ETERNA | 15 pts/₹100 (travel/dining/online) | Unlimited domestic | 2% | FitPass ₹48,000 + ₹81,000 annual savings |
| TIARA | 15 pts/₹100 (travel/dining/intl) | Unlimited domestic | 2% | Women's health + lifestyle perks ₹31,652+ |
| Etihad Guest Premium | 6 miles/₹100 on Etihad | 12D + 8I/year (no spend cond.) | 0% | Gold Tier Etihad status + 29,500 bonus miles/year |
| Etihad Guest | 3 miles/₹100 on Etihad | 8D + 4I/year | 1% | Silver Tier + 15,000 bonus miles/year |
| PREMIER | 10 pts/₹100 (travel/dining) | 1/quarter domestic | 3.5% | Budget lounge access + ₹18,500 savings |
| BOBCARD Cashback | 5% eligible online (auto-credit) | None | Standard | Lowest fee 5% cashback + GPay QR earning |
| SELECT | 5 pts/₹100 (online/dining) | 2D + 6I/year | Standard | International lounge at ₹750/year fee |
| HPCL ENERGIE | Fuel pts at HPCL | None | Standard | 80L free fuel/year + 25% movie discount |
| Scapia | 20% on Scapia travel bookings | Unlimited domestic* | 0% | Lifetime free + 0% forex + unlimited lounge* |
| PRIME | Basic reward points | None | Standard | Guaranteed issuance, no income proof needed |
*Scapia lounge access: ₹10,000/month on Visa or ₹15,000/month on RuPay. D = Domestic, I = International.
Welcome Benefits
| Card | Welcome Benefit |
|---|---|
| ETERNA | 12-month FitPass Pro worth ₹48,000 (activate within 60 days) |
| TIARA | 12-month FitPass Pro worth ₹48,000 + complimentary memberships (Amazon Prime, Hotstar, Gaana Plus) |
| Etihad Guest Premium | 5,000 Etihad Miles on ₹25,000 spend in 60 days + Silver Tier status on first transaction |
| Etihad Guest | 2,500 Etihad Miles on ₹10,000 spend in 60 days + Silver Tier status |
| PREMIER | 500 bonus reward points on ₹5,000 spend in 60 days |
| BOBCARD Cashback | No welcome gift, first eligible order covers the fee (₹49 fee = ₹50 cashback on ₹1,000 order) |
| SELECT | 500 bonus reward points on ₹5,000 spend in 60 days |
| HPCL ENERGIE | 500 joining reward points on first transaction |
| Scapia | No joining fee, card delivers value from first transaction |
| PRIME | No joining fee, guaranteed issuance against FD |
How to Choose the Right BOBCARD Credit Card for You
Match Card Benefits to Your Monthly Spending Pattern
Every card in the BOBCARD portfolio leads with a different strength. Match your primary spending category to the card that returns the most on it. If you spend ₹8,000–15,000 monthly on eligible online spends: BOBCARD Cashback. If you fly Etihad even 4 times a year: Etihad Guest or Etihad Guest Premium. If you commute daily and fuel at HPCL: HPCL ENERGIE. If you earn ₹12L+ and want comprehensive lifestyle coverage with lounge access: ETERNA. If you want a premium women's card: TIARA.
Annual Fee vs Reward Value, Is the Card Worth It?
The most important question for each card: how quickly does the reward value exceed the annual fee at your spending level?
● BOBCARD Cashback: one ₹1,000 online order earns ₹50, covers the ₹49/month fee immediately. Break-even: first order.
● BOBCARD PREMIER: one lounge visit per quarter at ₹600 = ₹2,400/year in lounge value, against ₹1,000 fee. Break-even: first lounge visit.
● BOBCARD ETERNA: ₹48,000 FitPass alone covers the ₹2,499 fee 19 times over. Rewards on ₹8L spend = ₹30,000+. Break-even: within first month.
● Etihad Guest Premium: 5,000 welcome miles + Gold Tier status on Etihad = significant travel value. Break-even depends on how often you fly Etihad.
Eligibility, Income, Credit Score and Age
BOBCARD credit cards span a wide income range. BOBCARD Cashback is the most accessible at ₹3.2 lakh salaried income. SELECT and PREMIER sit at ₹4.8–7.2 lakh. ETERNA and TIARA require ₹7.2–12 lakh. The Etihad cards require ₹18 lakh+. BOBCARD PRIME has no income requirement, only an FD with Bank of Baroda.
For CIBIL score: most BOBCARD unsecured cards prefer 700+ for approval. Premium cards (ETERNA, TIARA, Etihad Premium) work better with 750+. PRIME is the right starting point for applicants with no credit history or a low score.
Mistakes to Avoid When Choosing a BOBCARD Credit Card
Applying for Too Many Cards at Once
Every BOBCARD credit card application triggers a hard inquiry on your CIBIL report. Multiple applications in a short window reduce your score and flag financial stress to underwriters. Apply for one card, receive a decision, and wait at least three to six months before a second application. If you are unsure which card fits best, BOBCARD's compare tool at bobcard.co.in/compare-cards allows side-by-side feature comparison before you commit.
Ignoring Spend Conditions on Key Benefits
Several BOBCARD card benefits are conditional on spending thresholds. ETERNA and TIARA lounge access requires ₹40,000 in the preceding quarter. PREMIER's lounge visit requires ₹20,000 in the preceding quarter. Scapia's lounge access requires ₹10,000–₹15,000 per month. If you do not meet these thresholds, you do not access the benefit, and the card's value proposition changes significantly. Calculate whether your typical monthly spend will consistently activate the benefit you are applying for.
Choosing by Welcome Bonus Alone
TIARA's FitPass welcome gift and Etihad Premium's Gold Tier status are genuinely valuable, but they are one-time benefits. The long-term value of any card is driven by its ongoing reward rate, annual fee structure, and how well the benefit stack matches your regular spending. Choose the card whose recurring benefits fit your lifestyle, not the one with the best launch promotion.
Apply for a BOBCARD Credit Card
BOBCARD is a 100% subsidiary of Bank of Baroda, one of India's largest public sector banks. All cards are applied for 100% online: online form → Aadhaar eSign → Video KYC. No branch visit required.
From ₹49/month for a 5% cashback card to premium lifestyle coverage and international airline co-brands, BOBCARD has a card for every income level and spending pattern.
Frequently Asked Questions
Disclaimer: This article is for general informational and educational purposes only. All BOBCARD product details are sourced from bobcard.co.in and verified third-party sources as of March 2026. Card features, fees, eligibility and offer validity are subject to change. Always verify current terms on the official BOBCARD website before applying. All features, fees and eligibility criteria are subject to change. Verify current terms on bobcard.co.in before applying.
