Bank of Baroda Premier Credit Card

Bank of Baroda BoB Premier Credit Card Review


Joining Fee: Rs 1000+GST
Annual Fee: Rs 1000+GST


Cashback, Rewards

Reward Rate

0.5% to 2.5%



Issued On

Visa, Rupay


Domestic Airport Lounge Access, Fuel Surcharge Waiver

Table of Contents

BoB Premier is the second top-most offering after Eterna from BoB Financial. While it is not as rewarding as Eterna the Premier has its sweet spots. We get accelerated rewards on dining and international transactions on the Premier card. Plus, this also comes as a Rupay variant. Here is a complete review of the BoB Premier credit card with its features and benefits.

Joining/Annual Fees & Waiver

Joining FeeRs 1000+GST
Joining Fee WaiverSpend Rs 10000 within 60 days for fee reversal
Annual FeeRs 1000+GST
Annual Fee WaiverSpend Rs 1.2 Lakhs in a year
Bank of Baroda (BoB) Premier Credit Card Review: Joining and Annual Fee


  • Travel, Dining, and International Transactions: 10 RP/Rs 100 ~2.5% return
  • Special MCCs: 1 RP/Rs 100 ~0.25% return
  • All other spend: 2 RP/Rs 100 ~0.5% return

The accelerated reward points for travel, dining, and international transactions are capped at 2000 per month. So, we will hit these with Rs 20000 worth of spending in a calendar month. Low but decent for smaller spends.

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The special MCCs where we get lesser reward points include some high-spending categories like Rent, Insurance, Utilities, and Government Transactions. The below screenshot has the complete list.

BoB Premier Special MCCs for reduced rewards

Complimentary Airport Lounge Access

The Rupay variant of BoB Premier has an edge here. Only the BoB Premier Rupay variant gets complimentary visits to international airport lounges. All thanks to it being on the JCB Rupay platform. So, get the BoB Premier JCB Rupay variant instead of Visa.

Complimentary Domestic Airport Lounge Visits1 per quarter
Complimentary International Airport Lounge Visits4 per year
Bank of Baroda (BoB) Premier Credit Card Review: Airport Lounge Access

Other Relevant Points

  • Foreign Currency Transactions Markup: 3.5% plus GST
  • Charges on Rent Payment: 1% of the amount plus GST
  • Fuel Surcharge Waiver: 1% on transactions between Rs 400 and Rs 5,000 (Max. Rs. 250 per statement cycle)

Should you get the BoB Premier credit card?

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BoB Premier is a good card for the 2.5% value back on travel, dining, and international transactions. But, the 0.5% value on other categories is a bit too less. We have many good entry-level credit cards in the market now. So, why get the BoB Premier card?

  • It will let you help you in availing the BoB merchant offers online to get 10% instant discount
  • BoB Premier Rupay variant will get you international airport lounge access
  • BoB will soon be available as a supported issuer for Rupay on UPI with BHIM. So, you can get the Rupay variant to take advantage of that and use it for UPI payments.

Bank of Baroda Premier Credit Card

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11 thoughts on “Bank of Baroda Premier Credit Card”

  1. Tried to apply using the link getting message as “INSUFFICIENT_PERMISSIONINSUFFICIENT_PERMISSION”. Please update the correct link. Thank you.

  2. Can we switch to Eterna from premier ?
    I received the bob premier card today. I wanted to know i can get Eterna instead of Premier. Is there way i can get eterna now , i am eligible as per their income requirement

    also do we get 2.5% on wallet load or just 0.5%?

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