Bank of Baroda Credit Cards 2026 - All Cards, Eligibility & Charges

Picking a Bank of Baroda card is harder than it should be, and that isn't your fault. BOBCARD runs more than twenty live variants, a good chunk of them locked to specific purposes. The official pages aren’t clear enough to tell which ones you can actually apply for.

Here's the lineup, highlighting the cards everyone can actually apply for, what each one costs, and who qualifies for the cards.

All Bank of Baroda Credit Cards

Over half the catalogue of BOBCARD is locked to a service branch or a professional body. Here are the nine general-purpose cards you can apply for regardless of who you work for.

Entry tier

Mid tier

Premium tier

BOB excludes a long list of MCCs from rewards entirely, including rent, government, education, insurance, wallets, supermarkets and fast food. If you route large payments through third-party apps to chase rewards, check our merchant category code list first.

BOBCARD Cashback card launched in November 2025 is perhaps the most interesting card Bank of Baroda has introduced in years. Unlike other cards, it pays in rupees instead of points.

The IRCTC card's 10% only applies to 1AC, 2AC, 3AC, CC and EC bookings made through IRCTC, and the primary cardholder has to be one of the passengers. On the HPCL card, the accelerated points and the fuel surcharge waiver only apply at select HPCL outlets on an approved merchant list.

Other Niche Bank of Baroda Cards

• Cards for Defence forces, all lifetime free. Exclusive YODDHA credit card for Indian Army personnel, Varunah card for Indian Navy personnel, The Sentinel for Assam Rifles personnel, Rakshamah for Indian Coast Guard personnel, and Vikram for designated Defence Forces personnel. Each card offers rewards, lounge-access and other benefits.
• Professional bodies, all lifetime free. CMA One BOBCARD for ICMAI members and ICSI Diamond BOBCARD for ICSI members. The ICAI Exclusive card was also available, but it was withdrawn later.
• BOBCARD Etihad Guest Premium. ₹5,000, waived at ₹5L of annual spend. Earns Etihad Guest Miles and offers 0% forex markup. Twelve domestic and eight international lounge visits a year with no quarterly spend condition attached. For those who fly occasionally, an alternative BOBCARD Etihad Guest card is also offered. 1% forex markup. Eight domestic and four international lounge visits a year.
• Nainital RENAISSANCE BOBCARD. ₹250, waived at ₹25,000 of annual spend. Restricted to Nainital Bank customers. 5 points per ₹100 on departmental stores and movies.
• Snapdeal BOBCARD. ₹249. Returns 20 points per ₹100 on Snapdeal (or 5%), with 1% on other online and departmental store spends. Probably the narrowest ecosystem credit card from Bank of Baroda.

BOBCARD Cards Against a Fixed Deposit

Bank of Baroda also runs one of the widest secured card ladders in the country, and it's the reason the bank works for people other issuers turn away. You place a fixed deposit, it keeps earning interest, and you get a card against it.

BOBCARD Prime is the one to start with if you're building credit from nothing. It’s available at a minimum fixed deposit of only ₹15,000, and it helps you build a clean repayment history – after which the unsecured lineup opens up.

Other FD-backed credit cards available with higher deposits and charges are Easy FD, Select FD, Premier FD and Eterna FD.

Bank of Baroda Credit Card Eligibility

If you already bank with Bank of Baroda, many credit cards offer entry at a lower income floor than what’s available to other users. So, it makes sense to open a savings account with them if you’re looking for one of the entry-level cards.

If your score is thin, use the secured FD-backed card ladder rather than applying for the unsecured cards. Each rejection leaves a hard enquiry on your report for nothing. Our guide to choosing a first credit card in India walks through the sequencing.

Bank of Baroda Credit Card Charges & Fees

Bank of Baroda Card Devaluations

BOB has cut benefits three times in eighteen months, and here's the running record.

January 2025. Lounge access became spend-gated across the portfolio. Eterna and Tiara needed ₹40,000 in the preceding quarter for unlimited access, while Premier needed ₹20,000. Golf benefits were discontinued on several cards. UPI reward caps were lifted, though, which was a good update in this batch.

1 April 2026. Telecom spends (MCC 4814) started earning core reward points, another small win. The 1% fees on third-party education payments, toll and bus transactions above ₹5,000, and railway bookings above ₹30,000 all began. Empower Business picked up 5X on utilities, capped at 1,000 points a cycle.

15 July 2026, the big one. Finance charges on Eterna and Tiara rose from 3.25% to 3.75% a month. Air and non-air accidental death cover was withdrawn for several cards issued after 15 July, with existing cardholders covered only until 25 August 2026.

1 October 2026. The unlimited domestic lounge threshold on Eterna and Tiara goes from ₹40,000 to ₹75,000 a quarter. Same benefit, but unlocked after nearly double the spend.

All read together, one clear pattern can be noticed. BOBCARD is keeping the headline benefits but quietly raising the qualifying price.

The Eterna still says "unlimited lounge access" on the product page, but it costs ₹3,00,000 of annual spend to keep it. This isn't unique to BOB; it's a pattern prominent across Indian credit card devaluations in 2026.

Domestic Lounge Access on Bank of Baroda Credit Cards

Cards like ICSI Diamond, ICAI Exclusive, and Premier provide free access to selected domestic airport lounges, around 3 per quarter or 12 annually. Be sure to check the conditions tied to spend thresholds before you plan airport visits.

Also Check: Domestic Lounge Access Checker for All Credit Cards in India

Which Bank of Baroda Card Should You Get?

You shop online and want simple returns. Take the BOBCARD Cashback. It pays 5% on eligible domestic online spends, which is 1% base plus 4% accelerated, but the accelerated portion caps at ₹1,500 a month. The fee is ₹499 a year or ₹49 a month. The catch is the activity condition. You need at least four transactions in a statement cycle before the accelerated rate applies.

If you’d like to check other similar cards, our SBI Cashback alternatives piece runs the comparison head-to-head.

You’re a high spender and fly regularly. The Eterna is the only BOB card that makes sense at the top. It pays 15 points per ₹100 on online, travel, dining and international spends, capped at 5,000 points a statement cycle. Forex is a decent 2%, and unlimited domestic lounge access is available if you cross ₹75,000 spends in the preceding quarter.

There's a detailed Eterna breakdown and a separate real-user review if you want the ground reality before applying.

You take trains often. The IRCTC BOBCARD returns 40 points per ₹100 on 1AC, 2AC, 3AC, CC and EC bookings made through IRCTC, which is 10%. Nothing else in the lineup comes near that on a single category. The fee is ₹350 a year after a ₹500 joining fee. Two things to know: the points land five days after your journey date, and the primary cardholder has to be one of the passengers.

You want to build credit history. Opt for one of the secured FD cards. Prime at ₹15,000 is the starting rung, and Eterna FD at ₹2,50,000 gets you the full premium benefit set without the ₹12,00,000 income requirement. Both beat collecting rejections on unsecured applications.

If I had to pick one general-purpose card: the BOBCARD Cashback. Low fee, low break-even, rupees instead of points, and no redemption portal to fight with. It's the one most likely to actually pay for itself.

How to Apply for a Bank of Baroda Credit Card? 

The process is fairly hassle-free if you do it online:

1. Visit the official BOB credit card page.
2. Choose your card category (secured, regular, or premium).
3. Check if you meet the age and income criteria.
4. Fill out the online form and upload the required documents.
5. For FD-backed cards, open a fixed deposit alongside the application.
6. Verification might include a document check or residence verification by a field agent.

I’ve seen FD-backed applications get approved within 2–3 days, while higher-tier ones may take a week or more, depending on verification.

Documents Required

You’ll need the usual checkpoints:

• Application form and recent photo. 
• Identity proof: PAN (mandatory), Aadhaar, passport, or licence. 
• Address proof: Aadhaar, passport, utility bill, or bank statement. 
• Income proof: salary slips, Form-16, bank statement for salaried; ITRs or audited accounts for self-employed. 

In my experience, having your PAN linked to Aadhaar makes this process smooth, especially for eKYC verification.

Customer Care

For queries, you can call the toll-free numbers 1800-258-44-55 or 1800-102-44-55. There’s also email and branch-level support. I’ve contacted them once regarding a fuel waiver issue — response time was decent, though follow-up helped get things done faster.

FAQs about Bank of Baroda Credit Cards

What is the minimum income for a Bank of Baroda credit card?

₹3,00,000 net annual income for entry-level cards like Easy and the Cashback card. The Eterna sits highest at ₹12,00,000, with Premier and Tiara at ₹7,20,000 and Select at ₹4,80,000. Self-employed applicants who already bank with BOB can get the Empower at ₹2,40,000, the lowest bar on any unsecured BOBCARD. The FD-backed Prime has no income requirement at all.

Which Bank of Baroda credit card is lifetime free?

The genuinely lifetime-free card from BOBCARD is Empower. Niche cards like CMA One and ICSI Diamond, and the defence cards are also lifetime-free. Apart from those, BOBCARD has made Eterna, Premier, Select and Easy lifetime free temporarily during promotions.

How much are Bank of Baroda reward points worth?

₹0.25 per point on most cards. Easy and Select redeem at closer to ₹0.20 for some options. When BOB advertises 15 points per ₹100, that's 3.75% in rupees. Points expire in 24 months on most cards and 36 months on Select, so redeem periodically instead of hoarding.

Can I get a Bank of Baroda credit card without income proof?

Yes, through the secured range. BOBCARD Prime and Easy FD start at a ₹15,000 fixed deposit, with other premium cards available with higher FDs. None of them need income documents or a minimum credit score, and your deposit keeps earning interest while it backs the card.

What changed on Bank of Baroda cards in July 2026?

Three things, effective 15 July 2026. Finance charges on Eterna, Eterna FD and Tiara rose from 3.25% to 3.75% a month. HPCL accelerated rewards and the fuel surcharge waiver narrowed to an approved outlet list. Accidental death insurance was withdrawn for cards issued after that date, with existing holders covered only to 25 August 2026.

Separately, from 1 October 2026, the unlimited lounge threshold rises from ₹40,000 to ₹75,000 a quarter.

Does Bank of Baroda charge a fee on rent payments?

Yes, 1% of the transaction amount plus GST. Rent (MCC 6513) also earns no reward points. Paying rent on a BOB card costs you money with nothing coming back.

A Personal Take on Bank of Baroda Cards

I’ve seen both ends, from struggling with approvals to now helping friends choose their first card. Bank of Baroda hits a sweet middle for conservative users. It’s Indian, stable, and not trying to be the “coolest” issuer with 10,000 flashy offers. If your goal is to build credit responsibly, collect honest rewards, and skip unnecessary hype, Bank of Baroda deserves a chance. 

As someone who’s always believed cards should make life simpler, not louder, I’d say BoB’s lineup fits small-town users, new earners, or anyone seeking a steady financial partner without noise. 

Start with a secured card, graduate to lifestyle variants, and always pay in full. You’ll reap the best of convenience and discipline.

Disclaimer

This article is for informational purposes only and does not constitute financial advice. Eligibility criteria, fees and product features mentioned are accurate to the best of our knowledge as of August 2026, but they can change without notice at the issuer's discretion. Please read the latest Most Important Terms and Conditions (MITC) on the BOBCARD website and consult a certified financial advisor before applying for any credit card.