The premium lifestyle card for elevated experiences
Complimentary airport lounge visits
2 points per ₹100 spent
2,000 reward points on joining
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| Benefit | Details |
|---|---|
| Premium Lounge Access | Enjoy complimentary access to domestic airport lounges across India, making travel comfortable and convenient. |
| Accelerated Rewards | Earn 2 reward points for every ₹100 spent on eligible transactions, one of the highest earning rates in the category. |
| Welcome Benefits | Receive welcome gifts of 2,000 reward points upon card issuance and meeting initial spending criteria. |
| Comprehensive Insurance | Benefit from air accident insurance cover and purchase protection for added peace of mind. |
| Fuel Surcharge Waiver | Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda |
| Bank / Non-bank | Bank-affiliated |
| Category | Premium Lifestyle / Travel Rewards |
| Type of Card | RuPay |
| Free or Paid | ₹1,000 |
The Bank of Baroda Premier RuPay Credit Card is designed for affluent customers seeking premium benefits combined with substantial rewards on everyday spending. This card is particularly suitable for frequent travellers who value airport lounge access, high-income professionals looking for accelerated reward accumulation, and individuals who appreciate comprehensive insurance coverage. With its focus on lifestyle benefits and travel perks, it caters to those who want more than just a basic credit card experience.
Card Type: A premium lifestyle credit card issued by Bank of Baroda, designed for users seeking enhanced reward earnings and exclusive travel benefits.
Annual Fee: ₹1,000 as both joining and renewal fee, offering value for frequent spenders through accelerated rewards and premium privileges.
Reward Benefits: Earn higher reward points on international, dining, and travel-related spends, along with regular rewards on all other purchases.
Lounge Access: Complimentary domestic airport lounge access at select airports, enhancing travel comfort for frequent flyers.
Fuel Surcharge Waiver: 1% waiver on fuel transactions across all fuel stations in India, within the specified spending limits.
EMI Flexibility: Option to convert high-value purchases into convenient EMIs, allowing better expense management.
Eligibility: Best suited for individuals with a stable income and strong credit profile, looking for lifestyle and travel-oriented card benefits.
2 Reward Points on All Spends: Cardholders earn an impressive 2 reward points for every ₹100 spent on eligible retail transactions, including shopping, dining, travel bookings, entertainment, and utility payments.
No Category Restrictions: Unlike many premium cards that offer higher rewards only on specific categories, the BOB Premier RuPay Credit Card provides 2X rewards across all spending categories, offering simplicity and maximum value.
Travel Bookings: Convert accumulated reward points to book domestic and international flights, hotels, and holiday packages through Bank of Baroda's travel partners, maximising value for travel enthusiasts.
Gift Vouchers: Exchange reward points for gift vouchers from an extensive range of partner brands across categories including fashion, electronics, dining, lifestyle, and online shopping platforms.
Merchandise: Browse the comprehensive Bank of Baroda rewards catalogue and redeem points for products ranging from electronics and appliances to lifestyle accessories and gadgets.
Air Miles Conversion: Transfer reward points to partner airline frequent flyer programmes, enabling cardholders to accumulate miles for future travel redemptions and upgrades.
Welcome Gift: Upon card issuance and completion of the first transaction within the specified timeframe, cardholders receive welcome benefits of 2,000 reward points. This may include gift vouchers, reward points, or a combination of benefits as specified by the bank.
Complimentary Domestic Lounge Access: Enjoy complimentary access to domestic airport lounges across major Indian airports.
Quarterly Access: The card typically provides a specified number of complimentary lounge visits per quarter, making travel more comfortable and productive.
Benefit from comprehensive personal insurance coverage, providing financial protection to the cardholder and family in the unfortunate event.
1% Fuel Surcharge Waiver: Receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹1,000 | This can be reversed if you spend ₹10,000 within the first 60 days from card issuance. |
| Annual Fee | ₹1,000 | Waived upon achieving spends of ₹1,20,000 or more in a card anniversary year. |
| Add-on Card Fee | ₹0 | Cardholders can avail up to 3 add-on credit cards for free. |
| Foreign Currency Transaction Fee | 3.5% | Applied on all international transactions and purchases in foreign currency. |
| Cash Withdrawal Fee | 2.5% of amount (minimum ₹300) | Charged on cash withdrawals from ATMs using the credit card. |
| Late Payment Charges | ₹0 to ₹750 | Varies based on the total outstanding amount on the statement. |
| Over Limit Penalty | 1% of over limit amount | Applied when spending exceeds the assigned credit limit. |
| Criteria | Details |
|---|---|
Age | Minimum 18 years and Maximum 65 years |
Income | Minimum ₹60,000 per month |
Occupation | Salaried / Self-Employed / Professional |
Other Criteria | Regular and substantial income source, good to excellent credit score, valid PAN card, Indian resident with valid address proof |
| Document Type | Details |
|---|---|
| Salaried Individuals | Active personal account with Bank of Baroda, Latest Form 16 or a copy of Income Tax Return (ITR), Proof of residence (such as Aadhaar, Passport, or Utility Bill), Identity proof (such as PAN or Voter ID), Recent passport-size photograph |
| Self-Employed Individuals | Audited balance sheets and profit & loss statements for the past three financial years, Proof of residence, Valid identity proof, Recent passport-size photograph |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your Bank of Baroda Premier RuPay Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Reward Accumulation | Use the card for all eligible expenses to earn 2 reward points per ₹100, accelerating reward accumulation for valuable redemptions. |
Utilise Airport Lounges | Take advantage of complimentary domestic airport lounge access before flights to enjoy comfortable pre-flight experiences. |
Track Spending and Rewards | Monitor transactions and reward points regularly through the BOB World mobile app to stay informed about spending patterns and redemption opportunities. |
Plan Strategic Redemptions | Save reward points and redeem them during promotional periods when the bank offers enhanced redemption values or bonus points. |
Use for Travel Expenses | Leverage the card for flight bookings, hotel reservations, and travel expenses to earn rewards whilst enjoying insurance coverage. |
Set Up Auto-Pay | Enable automatic bill payment to ensure timely settlement, avoid late payment charges, and maintain an excellent credit score. |
The Bank of Baroda Premier RuPay Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.