Bank of Baroda
Gold · FinBooster
Bank of Baroda FinBooster Credit Card
Bank of Baroda
5X rewards on online shopping — zero annual fee
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹3,000
Total Annual Benefits
₹3,000
Total Annual Charges
₹0
ROI
9999%
Fee Waiver Available
No annual fee — lifetime free card — ₹0 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Shopping Benefits (1)
5X Reward Points on Online Shopping
Earn 5X reward points on all online shopping transactions including e-commerce and app-based purchases
- • All online shopping transactions via e-commerce platforms and apps
5X RP
Reward Points (1)
2X Reward Points on Other Spends
Earn 2X reward points on all offline and other retail purchases
- • All offline POS and other retail transactions
2X RP
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹4,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Program
Program
BOB Reward Points
5X online shopping, 2X other
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & vouchers from rewards catalogue
- → Statement credit
- → Air miles
Bonus Categories
Online Shopping
5x multiplier
5X reward points on online shopping
Others
2x multiplier
2X reward points on all other spends
Milestone Bonuses
1,000 bonus points on spending ₹50,000 annually
Spend ₹50,000 annually
1,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free — Lifetime Free Card |
| Annual Fee | Free Free — Lifetime Free Card |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 2.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹2,00,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Min gross monthly income ₹15,000
- • Self-Employed: Min ITR ₹2 Lakh p.a.
- • Ideal for online shoppers
Airport Lounge Access
Domestic
0 visits/year
Not included
International
0 visits/year
Not included
- • Lounge access not included with this card
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility Lifetime free — no annual fee 5X rewards on online shopping Net banking & mobile app
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The BOB FinBooster Credit Card is a lifetime-free card offering 5X reward points on online shopping and 2X on all other spends. Designed for digital-f...
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