Bank of Baroda Select Credit Card

Bank of Baroda Select Credit Card Review


Joining Fee: Rs 750+GST
Annual Fee: Rs 750+GST



Reward Rate

0.2% to 1%



Issued On



Fuel Surcharge Waiver

Table of Contents

Bank of Baroda has been vying for a bigger share in the credit card market for quite some time. It has some good credit cards and of late has also been tying up with merchants for cashback offers. BoB Select is one such entry-level credit card that is easy to get approved for and offers good rewards. Here is a review of the Bank of Baroda (BoB) Select credit card features and benefits.

Fees and Charges

Joining FeeRs 750+GST
Joining Fee WaiverSpend Rs 7500 within 60 days for fee reversal
Annual Fee Rs 750+GST
Annual Fee WaiverSpend Rs. 70000 in a year
BoB Select Credit Card Review: Fees and Charges


BoB Select offers reward points as per the spend category. Dining, Utility Bills, and Online Spending get an accelerated earning rate.

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  • Dining and Online Spends: 5 RP/Rs 100 ~1% return
  • Special MCCs: 0.5 RP/Rs 100 ~0.1% return
  • All other spends except Fuel: 1 RP/Rs 100 ~0.2% return

The accelerated rewards for dining and online spending are capped at 1000 RP per calendar month. The reward points can be redeemed at 1 RP = 20 paise for a statement credit. So, this card is as good as a cashback card. There are no redemption charges as well.

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

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 Select credit card?

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The 0.2% reward rate on online spending is a little too less with all the amazing credit cards on the market today. BoB regularly brings 10% discount offers on Amazon, Cred, etc. So, you can get either this or Premier to take advantage of these offers.

There are many credit cards that offer better cashback rewards today. Some of them are SBI Cashback, Axis Ace, and HDFC Millennia.

Bank of Baroda Select Credit Card

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