BOBCARD is the credit card arm of Bank of Baroda, one of India’s largest public-sector banks. This offer takes you to its general credit card application, where you can explore its range of cards rather than one specific product. All of them share a common set of features: reward points, brand discounts, a fuel surcharge waiver and contactless payments.
Common benefits across BOBCARD cards
| Feature | What you get |
|---|---|
| Reward points | Redeem for merchandise, vouchers and flights |
| Merchant offers | Discounts from top brands, plus festive and seasonal promotions |
| Fuel | 1% surcharge waiver on eligible fuel transactions |
| EMI conversion | Convert purchases above set thresholds into EMIs |
| Insurance | Complimentary cover for select cardholders |
| Service | 24×7 customer support and digital card management |
| Payments | Contactless tap-to-pay technology |
Good to know: the exact reward rate, annual fee and any lounge or welcome benefits depend on the specific BOBCARD you apply for. Read the card’s key fact statement before you submit the application.
How to pick the right BOBCARD
Start with where most of your money goes. If you spend heavily on dining, travel and online shopping and have an income of ₹12 lakh a year or more, the BOBCARD Eterna is the standout, with published rates of 15 points per ₹100 in those categories. If you mainly want a simple everyday card, compare the annual fee against what you expect to earn, and prefer a card whose fee is waived on a spend level you can reach.
Using EMI conversion wisely
Converting a big purchase into EMIs can help spread the cost, but EMI plans usually carry interest or processing fees. Check the total cost before you convert, and only use it when paying in full is not possible. Paying your full statement balance each month is always the cheapest way to use any credit card.
Whichever card you choose, use the 1% fuel surcharge waiver on eligible fuel transactions and keep an eye on festive offers, which BOBCARD runs on a seasonal basis.
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Credit score | 650 or above |
| Income | Depends on the card chosen |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
How to apply
- Tap Apply on BOBCARD site on this page to open BOBCARD’s official application.
- Choose the card that fits your spending and check its fee and benefits.
- Fill in the form in the same session, using your Aadhaar-linked mobile number, and complete KYC.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should apply
A good fit if you already bank with Bank of Baroda, have a credit score of 650 or more and want a card from a large public-sector issuer. Look elsewhere if you want to compare exact reward rates before applying: cards with published earn rates and fees, like the BOBCARD Eterna, make that easier.
