Bank of Baroda
Platinum · Select
Bank of Baroda Select Credit Card
Bank of Baroda
2 RP per ₹100 with fuel surcharge waiver
Annual Fee
₹750
Joining Fee
₹750
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,615
Total Annual Benefits
₹3,500
Total Annual Charges
₹885
ROI
395%
Fee Waiver Available
Annual fee waived on spending ₹75,000 in the preceding year — ₹75,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
2 RP per ₹100 on All Spends
Earn 2 reward points per ₹100 on all retail purchases
- • Excludes fuel, EMI, cash advances
2 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per cycle
1% waiver
₹3,000/yr
Reward Program
Program
BOB Reward Points
2 RP per ₹100
Effective cashback: 0.50%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & vouchers from rewards catalogue
- → Statement credit
- → Air miles
Milestone Bonuses
1,000 bonus points on spending ₹1 Lakh annually
Spend ₹1,00,000 annually
1,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹750 Excluding GST |
| Annual Fee | ₹750 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,000
- 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: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,50,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Min gross monthly income ₹20,000
- • Self-Employed: Min ITR ₹2.5 Lakh p.a.
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
₹30,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility Fuel surcharge waiver 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 Select Credit Card offers a balanced rewards program with 2 reward points per ₹100 on all spends and a fuel surcharge waiver. With a moderate ...
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