Table of Contents
- What's Covered in This Guide
- SECTION 1: Free & Low-Fee BOBCARD Credit Cards
- SECTION 2: Premium Paid BOBCARD Credit Cards
- SECTION 3: Co-Branded & Specialty Cards
- SECTION 4: Defence Personnel Exclusive Cards
- SECTION 5: Professional Cards
- Quick Comparison: Popular BOBCARD Credit Cards
- How to Choose the Right BOBCARD
- How to Apply
- Customer Support
BOBCARD, the credit card subsidiary of Bank of Baroda, has expanded its portfolio significantly with cards catering to diverse needs from travel enthusiasts and women-focused lifestyle cards to simple cashback options for everyday spenders. With the addition of co-branded partnerships like Etihad Airways and segment-specific cards like TIARA for women, BOBCARD now offers one of the most comprehensive credit card lineups among PSU banks.
In this detailed guide, we've organized all BOBCARD credit cards into two categories Free/Low-Fee Cards and Premium Paid Cards to help you quickly identify the right option based on your budget and lifestyle.
What's Covered in This Guide
- Free & Low-Fee BOBCARD Credit Cards
- Premium Paid BOBCARD Credit Cards
- Specialty & Co-branded Cards
- Defence Personnel Exclusive Cards
- Professional Cards (ICAI, ICSI, CMA)
- How to Choose the Right BOBCARD
SECTION 1: Free & Low-Fee BOBCARD Credit Cards
These cards are ideal for first-time users, budget-conscious spenders, or those who prefer straightforward value without high annual fees.
1. BOBCARD Cashback – Best for Online Shoppers
NEW LAUNCH (November 2025)
Annual Fee: ₹499 OR ₹49/month
Best For: Frequent online shoppers who want direct cashback without reward point hassles
Key Benefits:
- 5% cashback on eligible domestic online spends (capped at ₹1,500/month)
- 1% unlimited cashback on all other spends (offline + international)
- Auto-credit of cashback to statement every month no redemption required
- 1% fuel surcharge waiver (₹400-₹5,000 transactions)
- Works with Google Pay for UPI payments
- Smart EMI option (6-48 months)
Note: Minimum 4 transactions required per month for 5% accelerated cashback. Several MCCs excluded (fuel, rent, insurance, govt, wallets, supermarkets, etc.).
2. BOBCARD EASY – Best Entry-Level Card
Joining Fee: ₹500 + GST (waived on ₹6,000 spend in 60 days)
Annual Fee: ₹500 + GST (waived on ₹35,000 annual spend)
Best For: First-time credit card users, grocery & movie spenders
Key Benefits:
- 5X Reward Points on grocery, departmental stores, and movies
- 1 RP per ₹100 on other spends (1 RP = ₹0.20)
- 1% fuel surcharge waiver
- Up to 3 lifetime free add-on cards
- Personal accident cover
3. BOBCARD SELECT – Best for Dining & Online Shopping
Joining Fee: ₹750 + GST
Annual Fee: ₹750 + GST (waived on ₹70,000 annual spend)
Best For: Regular online shoppers and diners
Key Benefits:
- 5X Reward Points on dining and online shopping
- 1 RP per ₹100 on other spends (1 RP = ₹0.20)
- Personal accident cover: ₹15 Lakh (air) / ₹5 Lakh (non-air)
- 1% fuel surcharge waiver
4. BOBCARD PRIME – Secured Card Against FD
Fee: Lifetime Free
Best For: Those with limited credit history or preferring secured credit
Key Benefits:
- Guaranteed issuance against Bank of Baroda FD
- Reward points on spends
- Minimal documentation
- Good way to build credit history
5. BUPB/BGGB/BRKGB PRAGATI – For RRB Customers
Fee: Lifetime Free
Best For: Customers of Baroda UP Bank, Baroda Gujarat Gramin Bank, Baroda Rajasthan Kshetriya Gramin Bank
Key Benefits:
- Everyday shopping rewards
- Smart EMI facility
- Designed for financial inclusion in rural areas
SECTION 2: Premium Paid BOBCARD Credit Cards
These cards come with higher fees but offer substantial rewards, lounge access, and lifestyle benefits that can significantly outweigh the costs for active users.
1. BOBCARD ETERNA – Flagship Premium Lifestyle Card
🎁 LIFETIME FREE OFFER: Available till 31st March 2026 (verify on official website)
Regular Fee: ₹2,499 + GST (Joining & Annual)
Fee Waiver: Joining waived on ₹25,000 spend in 60 days; Annual waived on ₹2.5 Lakh/year
Best For: High spenders, frequent travellers, online shoppers seeking premium benefits
Key Benefits:
- 5X Reward Points (15 RP/₹100) on online, travel, dining, international spends
- 3 RP/₹100 on other categories (1 RP = ₹0.25)
- Unlimited domestic airport lounge access (requires ₹40,000 quarterly spend)
- Welcome benefit: 6-month FitPass Pro membership worth ₹15,000
- 10,000 bonus RP on ₹50,000 spend in 60 days; 20,000 bonus RP on ₹5L annual spend
- BOGO movie tickets via District app (up to ₹250/month)
- Reduced forex markup: 2%
- Insurance: ₹1 Crore (air accident) / ₹10 Lakh (non-air)
2. BOBCARD TIARA – Premium Women's Credit Card
EXCLUSIVE FOR WOMEN – Launched December 2024
Fee: ₹2,499 + GST (Joining & Annual)
Fee Waiver: Joining waived on ₹25,000 spend in 60 days; Annual waived on ₹2.5 Lakh/year
Best For: Women seeking comprehensive lifestyle, health, and travel benefits
Key Benefits:
- 5X Reward Points (15 RP/₹100) on dining, travel, international spends
- Unlimited domestic airport lounge access (requires ₹40,000 quarterly spend)
- Women's Health Package: Free Pap Smear, Blood Tests, Mammography
- Complimentary memberships: Amazon Prime/Disney+ Hotstar, Gaana Plus, 6-month FitPass Pro
- 3-month Swiggy One membership
- Quarterly vouchers: ₹500 each on Myntra, Nykaa, Flipkart; ₹1,500 on Lakmé Salon
- ₹250 quarterly discount on BigBasket & BookMyShow
- Forex markup: 2%
- Personal accident cover: ₹10 Lakh
Total membership & voucher value: Up to ₹31,652/year
3. BOBCARD PREMIER – Travel-Focused Mid-Range Card
LIFETIME FREE OFFER: Available till 31st Dec 2025 (verify current status)
Regular Fee: ₹1,000 + GST (Joining & Annual)
Fee Waiver: Joining waived on ₹10,000 spend in 60 days; Annual waived on ₹1.2 Lakh/year
Best For: Domestic travellers and diners seeking lounge access
Key Benefits:
- 5X Reward Points on travel, dining, international spends
- 2 RP/₹100 on other categories (1 RP = ₹0.25)
- 1 domestic lounge visit/quarter (requires ₹20,000 quarterly spend from Jan 2025)
- Personal accident cover: ₹50 Lakh (air) / ₹10 Lakh (non-air)
- Forex markup: 3.5%
SECTION 3: Co-Branded & Specialty Cards
1. BOBCARD Etihad Guest Premium – For Frequent Etihad Flyers
METAL CARD – Newly Launched in Partnership with Etihad Airways
Fee: ₹5,000 + GST (Annual)
Fee Waiver: Annual fee waived on ₹5 Lakh annual spend
Income Requirement: ₹18 Lakh+ per annum
Best For: Frequent Etihad flyers and international business travellers
Key Benefits:
- 6 Etihad Guest Miles per ₹100 on Etihad Airways bookings
- 2 Miles per ₹100 on all other domestic & international spends
- 0% Forex Markup – No charges on international transactions
- Etihad Guest Silver Tier on first spend; Gold Tier on first Etihad.com spend within 6 months
- 12 domestic + 8 international lounge visits/year
- Milestone bonuses: 500 monthly, 4,000 quarterly, annual bonus on spend targets
- Welcome: 5,000 bonus Miles on ₹10,000 spend in 60 days (2X during promotional periods)
2. BOBCARD Etihad Guest – Entry-Level Airline Card
Fee: ₹2,500 + GST (Annual)
Fee Waiver: Annual fee waived on ₹3 Lakh annual spend
Income Requirement: ₹18 Lakh+ per annum
Best For: Moderate Etihad travellers wanting airline rewards
Key Benefits:
- 3 Etihad Guest Miles per ₹100 on Etihad Airways
- 1 Mile per ₹100 on other spends
- 1% Forex Markup
- 8 domestic + 4 international lounge visits/year
- Etihad Guest Silver Tier on first transaction
- Milestone bonuses: 250 monthly, 2,000 quarterly
3. Other Co-Branded Cards
HPCL ENERGIE: Up to 80 litres free fuel equivalent, 25% off movies, 500 joining rewards
Snapdeal BOBCARD: 5% unlimited cashback on Snapdeal, shopping vouchers worth ₹500
IRCTC BOBCARD: Up to 10% savings on train tickets, 500 bonus rewards
BOBCARD Uni GoldX: 1% rewards in 24K digital gold, 0% forex markup, up to 5% gold on Uni Store
BOBCARD One (OneCard): Metal card, unlimited shopping rewards, 1% forex, full-stack app control
SECTION 4: Defence Personnel Exclusive Cards
BOBCARD offers specialized lifetime-free cards for Indian Armed Forces personnel with exclusive benefits:
Indian Army YODDHA: Lifetime free, airport lounge access, exclusive memberships
Indian Navy VARUNAH: 15 RP/₹100, unlimited lounge access, exclusive memberships
Indian Coast Guard RAKSHAMAH: Lifetime free, lounge access, memberships
Assam Rifles The SENTINEL: Lifetime free, lounge access, complimentary insurance
VIKRAM (All Defence): Lifetime free for all defence personnel with everyday rewards
SECTION 5: Professional Cards
ICAI Exclusive BOBCARD (Chartered Accountants): 4,000 reward points, lounge access, professional indemnity insurance
ICSI DIAMOND (Company Secretaries): 3,999 reward points, lounge access, FitPass Pro
CMA ONE (Cost Accountants): 4,000 reward points, FitPass Pro, complimentary insurance
Quick Comparison: Popular BOBCARD Credit Cards
| Card | Annual Fee | Best Reward Rate | Lounge Access | Forex Markup |
|---|---|---|---|---|
| ETERNA | ₹2,499 (LTF available) | 3.75% (5X) | Unlimited domestic | 2% |
| TIARA (Women) | ₹2,499 | 3.75% (5X) | Unlimited domestic | 2% |
| Etihad Premium | ₹5,000 | 6 Miles/₹100 Etihad | 12 dom + 8 intl | 0% |
| Etihad Guest | ₹2,500 | 3 Miles/₹100 Etihad | 8 dom + 4 intl | 1% |
| PREMIER | ₹1,000 (LTF available) | 2.5% (5X) | 1/quarter | 3.5% |
| Cashback | ₹499 | 5% online | None | N/A |
| EASY | ₹500 | 1% (5X grocery) | None | 3.5% |
How to Choose the Right BOBCARD
For Online Shopping: BOBCARD Cashback (5% online) or ETERNA (3.75% with milestone benefits)
For Travel (Domestic): ETERNA (unlimited lounges) or PREMIER (budget-friendly with lounges)
For International Travel: Etihad Guest Premium (0% forex) or ETERNA (2% forex)
For Women: TIARA (health benefits + lifestyle perks worth ₹31,000+)
For Beginners: EASY (low fee waiver threshold) or PRIME (secured against FD)
For Etihad Flyers: Etihad Guest Premium (6X miles) or Etihad Guest (3X miles)
For Defence Personnel: Service-specific cards (all lifetime free)
How to Apply
- Visit www.BOBcard.co.in
- Select your preferred card from 'View Cards'
- Click 'Apply Now' and fill in basic details
- Complete e-Sign via Aadhaar
- Verify identity through Video KYC
- Card dispatched upon approval
Customer Support
- 24x7 Toll-Free: 1800 2665 100
- ETERNA Dedicated: 1800 103 1002
- Email: bobcardservice@bobfinancial.com
- Website: www.bobcard.co.in
Disclaimer
The contents of this article are meant solely for informational and educational purposes and do not constitute financial advice or an offer to buy/sell any financial product. Bank of Baroda and/or BOBCARD Limited make no representation as to the accuracy, completeness, or reliability of any information contained herein. The information is subject to change without prior notice.
Credit card approval is subject to meeting the Bank's eligibility criteria and documentation requirements. Interest rates, fees, reward points, and other features mentioned are indicative and may vary. Lifetime Free offers are limited-period promotions and subject to change. For the most current terms, conditions, and charges, please visit www.bobcard.co.in or www.bobfinancial.com.
BOBCARD Limited/Bank of Baroda shall not be responsible for any direct or indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned herein. Please consult your financial advisor before making any financial decision.
*Terms and Conditions Apply. Features and offers subject to change.
