Bank of Baroda
Classic · Swipez
BOB Swipez Credit Card
Bank of Baroda
Lifetime Free RuPay card with UPI and 2% online cashback
Annual Fee
Free
Joining Fee
Free
Reward Rate
1.0%
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
Cashback Benefits (2)
2% Cashback on Online Spends
Earn 2% cashback on all online purchases
- • Valid on online transactions
2% cashback online
1% Cashback on Other Spends
Earn 1% cashback on all other retail transactions
1% cashback other
Other Benefits (1)
RuPay UPI Integration
Link card to UPI apps for seamless payments via BHIM, PhonePe, and other UPI platforms
- • Available on RuPay cards
Available
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 Cashback
2% online, 1% other
Effective cashback: 1.00%
Points expire: Cashback credited as statement credit
Redemption Options
- → Statement credit (automatic)
Bonus Categories
Online Shopping
2x multiplier
2% cashback
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
- ₹10,000
- Min. Annual Income
- ₹1,50,000
- Min. Credit Score
- 650
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Min gross monthly income ₹10,000
- • Self-Employed: Min ITR ₹1.5 Lakh p.a.
- • Easy to obtain — ideal for first-time credit card users
Transaction Limits
ATM Withdrawal / Day
₹15,000
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 RuPay UPI integration Zero annual fee Cashback on all spends Ideal for first-time credit card users
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 Swipez Credit Card is a Lifetime Free (LTF) RuPay Classic card offering 2% cashback on online spends and 1% on other transactions. With full U...
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