Your passport to premium travel rewards - Designed for explorers with a thirst for premier adventures
5X points on travel, dining & international spends
500 bonus points on ₹5,000 spend
Complimentary quarterly domestic lounge visits
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| Benefit | Details |
|---|---|
| Accelerated Rewards on Premium Categories | Earn 5X reward points (10 points per ₹100) on travel, dining, and international spends, capped at 2,000 points per statement cycle. |
| Welcome Bonus Points | Get 500 bonus reward points on spending ₹5,000 or more within 60 days of card issuance. |
| Lifetime Free Offer | Available as lifetime free (limited-time offer valid till 31st March 2026). Otherwise, joining and annual fees of ₹1,000 + GST each apply. |
| Fee Waiver on Milestone Spends | Waive joining fee by spending ₹10,000 within first 60 days. Waive annual fee by spending ₹1,20,000 in each card anniversary year. |
| Complimentary Airport Lounge Access | Enjoy 1 complimentary domestic airport lounge visit every calendar quarter at select airports across India (subject to ₹20,000 quarterly spend from 1st January 2025). |
| Enhanced Travel Booking Rewards | Earn 8 reward points per ₹100 on flight bookings and 20 reward points per ₹100 on hotel bookings via BOBCARD SmartDeal platform. |
| Fuel Surcharge Waiver | Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum benefit of ₹250 per statement cycle. |
| Personal Accident Insurance | Free Personal Accidental Death Cover worth ₹50 lakhs (air accidents) and ₹10 lakhs (non-air accidents) to safeguard your family's finances. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | BOB Financial Solutions Ltd. (Bank of Baroda) |
| Bank / Non-bank | Bank-affiliated (NBFC) |
| Category | Travel / Premium Lifestyle Rewards |
| Type of Card | RuPay Platinum |
| Free or Paid | Lifetime Free (Limited Offer till 31st March 2026) / ₹1,000 Annually (otherwise) |
The Bank of Baroda BOBCARD PREMIER SECURE Credit Card is tailored for frequent travellers and food enthusiasts who want to maximise rewards on their premium lifestyle spending. With 5X reward points (10 points per ₹100) on travel, dining, and international purchases, this card delivers exceptional value for those who frequently book flights and hotels, dine at restaurants, or make overseas transactions. The complimentary quarterly domestic airport lounge access adds a touch of luxury to your travel experience, whilst the enhanced rewards on BOBCARD SmartDeal bookings make it even more rewarding. Currently available as lifetime free (limited-time offer till 31st March 2026), this card is an excellent choice for those seeking premium travel benefits without a hefty annual fee. It's perfect for globetrotters, business travellers, and dining aficionados looking to elevate their spending power with meaningful rewards.
Global Acceptance: Use your RuPay card at millions of outlets across India and at select international locations where RuPay is accepted, making it versatile for both domestic and international purchases.
Add-on Cards: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children above 18 years of age at no additional cost.
Cash Withdrawals: Access cash from ATMs worldwide, though cash advances attract fees and finance charges.
Utility Bill Payments: Conveniently pay electricity, mobile, broadband, and other utility bills using your credit card without hassle.
Smart EMI Options: Convert purchases of ₹2,500 or more into easy monthly instalments ranging from 6 to 48 months, helping manage large expenses efficiently.
Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit from the date of purchase, providing financial flexibility for planned expenses.
UPI Integration: Being a RuPay card, link it to UPI apps like Google Pay, PhonePe, BHIM, or Paytm for seamless digital payments across merchants accepting UPI.
Contactless Payments: The card features contactless payment technology with NFC-enabled chip, allowing secure tap-and-pay transactions for quick and convenient payments.
Zero Liability Protection: Report card loss immediately to ensure zero liability on any fraudulent transactions, protecting your finances with comprehensive security.
Revolving Credit Facility: Enjoy flexible repayment options with a revolving credit facility, allowing you to pay the minimum amount due and carry forward the balance.
5X Reward Points (Accelerated): Earn 10 reward points for every ₹100 spent on:
Travel (flights, hotels, railways, travel agencies)
Dining (restaurants, cafes, bars, food establishments)
International spends (all transactions made abroad or in foreign currency)
Enhanced BOBCARD SmartDeal Rewards:
Flight Bookings: Earn 8 reward points per ₹100 spent on flight bookings via BOBCARD SmartDeal platform
Hotel Bookings: Earn 20 reward points per ₹100 spent on hotel bookings via BOBCARD SmartDeal platform
Standard Reward Points: Earn 2 reward points for every ₹100 spent on all other eligible retail purchases.
Monthly Cap: The 5X accelerated rewards are capped at 2,000 reward points per statement cycle on travel, dining, and international spends. After reaching this cap, these categories will earn standard reward points (2 points per ₹100).
Note: Reward points are not applicable on fuel transactions, cash withdrawals, balance transfers, EMI conversions, wallet loading transactions, utility payments, and select merchant category codes (MCCs).
Redemption Value: Each reward point can be redeemed at ₹0.25, providing a 1:4 redemption ratio.
Redeem accumulated reward points for:
Cashback: Apply points towards your credit card statement balance as cashback (most straightforward redemption option)
Flight and Hotel Bookings: Use points for travel-related redemptions through the BOBCARD SmartDeal platform
Gift Vouchers: Exchange points for e-gift vouchers from partner brands available at the BOBCARD Rewards portal
Merchandise: Redeem for products, electronics, and lifestyle items available in the rewards catalogue
Product Purchases: Use points to purchase items from the rewards store
Reward Rate Calculation:
5X categories: 10 points per ₹100 = 2.5% value back (at ₹0.25 per point)
Standard categories: 2 points per ₹100 = 0.5% value back
Welcome Bonus Points: Earn 500 bonus reward points (worth ₹125) on spending ₹5,000 or more within 60 days of card issuance. This bonus is credited once the spending milestone is achieved.
Complimentary Lounge Visits: Enjoy 1 complimentary domestic airport lounge visit every calendar quarter at select airports across India.
Quarterly Eligibility: Maximum 1 visit per quarter is permitted. Effective 1st January 2025, lounge access is subject to minimum spending of ₹20,000 in the preceding calendar quarter.
Lounge Benefits: Access premium facilities including complimentary food and beverages, Wi-Fi, comfortable seating, magazines, newspapers, TV, and charging stations at major Indian airports.
Note: The card does not offer international lounge access.
Joining Fee Waiver: Spend ₹10,000 within the first 60 days of card issuance to get your joining fee of ₹1,000 + GST completely waived off.
Annual Fee Waiver: Spend ₹1,20,000 in every card anniversary year to get your annual fee of ₹1,000 + GST reversed.
Limited-Time Lifetime Free Offer: The card is currently available as lifetime free (no joining fee, no annual fee) for applications made till 31st March 2026. This is a promotional offer and subject to bank's terms and conditions.
Important: First-year fee will be levied in the 3rd bill statement from the card issuance month if spending milestone criteria is not met. Fee waiver and annual fee reversal are applicable only to non-delinquent cardholders.
Comprehensive Coverage:
Air Accident Cover: ₹50 lakhs
Non-Air Accident Cover: ₹10 lakhs
This insurance provides financial protection for your family in case of unfortunate accidental death, whether during air travel or otherwise.
1% Waiver: Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India.
Maximum Benefit: The maximum waiver is ₹250 per statement cycle per credit card account.
Note: The GST component is not reversed. The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. Fuel transactions do not earn reward points.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹1,000 + GST | Can be waived on spending ₹10,000 within first 60 days. Currently lifetime free till 31st March 2026. |
| Annual Fee | ₹1,000 + GST | Can be waived on spending ₹1,20,000 in each anniversary year. Currently lifetime free till 31st March 2026. |
| Add-on Card Fee | ₹0 | Up to 3 add-on cards free for family members. |
| Finance Charges (Interest Rate) | 3.75% per month (45% p.a.) | Interest charged on outstanding balances if not paid by the due date. |
| Cash Advance Fee (Domestic) | 2.5% (Min. ₹500) | Charged on each cash withdrawal at domestic ATMs. |
| Cash Advance Fee (International) | 3% (Min. ₹500) | Charged on each international ATM withdrawal. |
| Foreign Currency Markup | 3.5% of transaction amount | Charged on all international transactions in foreign currency. |
| Late Payment Charges | ₹100 to ₹1,300 | Based on outstanding amount. See detailed table below. |
| Fuel Surcharge Waiver | 1% on transactions between ₹400–₹5,000 | Maximum benefit of ₹250 per statement cycle. |
| Over-Limit Fee | 2.5% (Min. ₹500) | Charged if credit limit is exceeded. |
| Cheque Return / Payment Dishonour Fee | ₹500 or 2% (whichever is higher) | Charged on dishonoured cheques or payment instruments. |
| Card Replacement Fee | ₹100 | Charged for reissuing lost, stolen, or damaged cards. |
| Duplicate Statement Fee | ₹50 per statement | For requesting previous statements. |
| Criteria | Details |
|---|---|
Nationality | Indian Resident |
Age (Salaried Individuals) | 21 to 60 years |
Age (Self-Employed Individuals) | 24 to 65 years |
Age (Add-on Cardholders) | Minimum 18 years |
Maximum Age | Up to 65 years (for self-employed) |
Occupation | Salaried / Self-Employed / Professionals |
Minimum Annual Income | ₹7.2 lakhs net annual income for both salaried and self-employed |
Credit Score | Preferably 750+ for better approval chances |
Other Criteria | Regular source of income, good credit history, valid PAN card |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving Licence |
| Address Proof | Aadhaar Card (both sides), Passport, Driving Licence, Voter ID, Job Card issued by NREGA, Utility Bills (not older than 3 months), Rental Agreement (registered), or Bank Statement |
| Income Proof (Salaried) | Bank statement reflecting salary credit for last 2 months, Latest salary slips (if submitted, must be accompanied by bank statement) |
| Income Proof (Self-Employed) | Bank statement reflecting business transactions for last 3 months, Other financial documents as required, Partnership Deed (for partnership firms), Memorandum of Association and Articles of Association (for companies) |
| Photograph | Recent passport-size photograph with clear/white background and without dark/tinted glasses |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your BOBCARD PREMIER SECURE Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Travel and Dining Rewards | Use the card for all travel bookings, dining expenses, and international spends to earn 5X reward points (10 points per ₹100), delivering 2.5% value back. |
Leverage BOBCARD SmartDeal | Book flights and hotels through BOBCARD SmartDeal platform to earn enhanced rewards - 8 points per ₹100 on flights and 20 points per ₹100 on hotels. |
Track Monthly Reward Cap | Monitor your accelerated rewards earnings as they're capped at 2,000 points per statement cycle. Once reached, plan other spending categories. |
Achieve Fee Waiver Milestones | Spend ₹10,000 within first 60 days for joining fee waiver and ₹1,20,000 annually for annual fee waiver (if not availing lifetime free offer). |
Maintain Quarterly Spend for Lounge | Spend at least ₹20,000 per quarter to remain eligible for complimentary airport lounge access (1 visit per quarter from 1st January 2025). |
Redeem Points Strategically | Accumulate reward points and redeem them as cashback at ₹0.25 per point, or use for travel bookings, gift vouchers, and merchandise. |
Link to UPI for Convenience | Link your RuPay BOBCARD PREMIER to UPI apps like Google Pay or PhonePe for seamless digital payments at UPI-accepting merchants. |
Convert Large Purchases to EMI | For purchases above ₹2,500, consider converting to Smart EMIs (6-48 months) to manage cash flow better without straining your budget. |
Use Contactless for Speed | Tap your card at NFC-enabled terminals for quick, contactless payments without entering PIN for added convenience. |
Enable Transaction Alerts | Set up SMS and email alerts to track all transactions, reward accumulation, payment due dates, and remain informed about your spending. |
Pay Bill in Full | Always pay your credit card bill in full by the due date to avoid interest charges of 3.75% per month and enjoy up to 50 days interest-free credit. |
Monitor Foreign Markup | Be aware that international transactions carry a 3.5% foreign currency markup fee, which partially offsets the 5X rewards on international spends. |
The Bank of Baroda BOBCARD PREMIER SECURE 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.
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