1. BOBCARD ETERNA Credit Card
Annual fee ₹2,499 · Rewards up to 3.75% · You keep ₹7,470* a year
The BOBCARD ETERNA Credit Card gives 15 reward points per ₹100 (3.75% back) on dining, travel, international and online spends, and unlimited domestic lounge access. From 1 September 2026 it has no joining fee, and the ₹2,499 annual fee is waived on ₹2.5 lakh of yearly spends.
- 3.75% on dining and food delivery
- 3.75% on travel
- 3.75% on online shopping
- 0.75% on other spends
2. BOB Cashback Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹5,771* a year
The BOB Cashback Credit Card gives 5% cashback on domestic online spends, up to ₹1,500 a month, and 1% on other spends. You can pay a ₹499 yearly fee or ₹49 a month.
- 5% on online shopping
- 1% on other spends
3. BOBCARD TIARA Credit Card
Annual fee ₹2,499 · Rewards up to 3.75% · You keep ₹4,590* a year
The BOBCARD TIARA is a women-only RuPay credit card that gives 15 reward points per ₹100 (3.75% back) on dining, travel and international spends, plus quarterly shopping and salon discounts. The ₹2,499 fee is waived on ₹25,000 of spends in the first 60 days and on ₹2.5 lakh each year.
- 3.75% on dining and food delivery
- 3.75% on travel
- 0.75% on other spends
4. BOBCARD Premier Credit Card
Annual fee ₹1,000 · Rewards up to 2.5% · You keep ₹2,700* a year
The BOBCARD Premier Credit Card gives 10 reward points per ₹100 on travel, dining and international spends, up to 2,000 points per statement cycle, and 2 points on other spends. It adds one domestic lounge visit each quarter.
- 2.5% on travel
- 2.5% on dining and food delivery
- 0.5% on other spends
5. BOBCARD Select Credit Card
Annual fee ₹750 · Rewards up to 1% · You keep ₹1,560* a year
The BOBCARD Select Credit Card gives 5 reward points per ₹100 on online and dining spends and 1 point on other spends. There is no joining fee, and the ₹750 renewal fee is waived on yearly spends of ₹70,000.
- 1% on online shopping
- 1% on dining and food delivery
- 0.2% on other spends
6. IRCTC BOBCARD RuPay Credit Card
Annual fee ₹350 · Rewards up to 10% · You keep ₹1,207* a year
The IRCTC BOBCARD gives 16 to 40 reward points per ₹100 on AC and chair car train tickets booked on IRCTC, which is 4% to 10% back at ₹0.25 a point, depending on your travel dates. It is a RuPay card that works on UPI, with a ₹350 annual fee and 4 railway lounge visits a year.
- 4% on IRCTC
- 0.5% on other spends
7. BOBCARD Easy Credit Card
Annual fee ₹500 · Rewards up to 1% · You keep ₹504* a year
The BOBCARD Easy Credit Card is an entry-level rewards card with no joining fee and a ₹500 renewal fee that you can avoid by spending ₹35,000 a year. It earns 1 point per ₹100, and 5 points at department stores and on movies.
- 0.2% on other spends
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| BOBCARD ETERNA Credit Card | Free | ₹2,499 | 3.75% | ₹7,470* |
| BOB Cashback Credit Card | ₹499 | ₹499 | 5% | ₹5,771* |
| BOBCARD TIARA Credit Card | ₹2,499 | ₹2,499 | 3.75% | ₹4,590* |
| BOBCARD Premier Credit Card | Free | ₹1,000 | 2.5% | ₹2,700* |
| BOBCARD Select Credit Card | Free | ₹750 | 1% | ₹1,560* |
| IRCTC BOBCARD RuPay Credit Card | ₹500 | ₹350 | 10% | ₹1,207* |
| BOBCARD Easy Credit Card | Free | ₹500 | 1% | ₹504* |
How to choose a Bank of Baroda credit card
- Start with where you spend the most, then look for the card that pays on it.
- Check the limit on the top rate, and which spends earn nothing.
- See if you can reach the fee waiver with your normal spending.
- Read the age and income rules on the card page before you apply.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of mixed spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Which Bank of Baroda credit card is the best?
It depends on how you spend. On our example spending, BOBCARD ETERNA Credit Card comes first, but your result will differ. Try the credit card finder with your own numbers.
Which Bank of Baroda credit card has the lowest annual fee?
IRCTC BOBCARD RuPay Credit Card has the lowest annual fee of the cards we have checked, at ₹350 before GST.
How many Bank of Baroda credit cards have you checked?
We have checked 7 so far, against Bank of Baroda's own terms: BOB Cashback Credit Card, BOBCARD Easy Credit Card, BOBCARD ETERNA Credit Card, BOBCARD Premier Credit Card, BOBCARD Select Credit Card, BOBCARD TIARA Credit Card and IRCTC BOBCARD RuPay Credit Card.
Who decides if I get a Bank of Baroda credit card?
Bank of Baroda alone decides approval and your credit limit, based on its own rules. Age and income rules are on each card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money