Bank of Baroda Premier Credit Card | Features & Details - ChargePlate

Bank of Baroda offers various types of personal banking cards such as Credit, Debit, Prepaid, Business & Travel Cards. And lately, we get to see quite a couple of offers built exclusively for BoB Cards. A list of all the active offers on BoB Cards can be accessed by clicking here. Frequently, BoB Cards also offers instant discounts & cashback for shopping on eCommerce giants such as Amazon & Flipkart.

This article covers Features & Details about the Bank of Baroda Premier Credit Card. Details below:

Reward Points

Earn 5X, i.e., 10 Reward Points for every Rs. 100 spent on Travel, Dining, and Abroad (International spends).

2 Reward Point for every Rs. 100 spent on other categories.

1 RP = 0.25P.

- Note that the cardholder would not fetch Reward Points on fuel transactions and that the 5X Rewards are capped at 2000 Reward Points on the mentioned categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate.

Reward Rate

2.5% RR on 5X category

0.5% RR on regular spending.

Airport Lounge Access

Enjoy 2 complimentary Domestic Airport Lounge Access via Visa Signature.

Click here for a list of participating Airport Lounge.

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India.

The waiver applies to transactions between Rs. 400 and Rs. 5000.

The maximum fuel surcharge waiver gets capped at Rs. 250 per statement cycle.

Easy EMI option

Convert purchase of Rs 2500+ on your card into easy EMIs of 6 & 12 months.

Fee Structure

First-year Fee: Rs. 1,000 + Taxes

- Spend Rs. 10,000 on your card within 60 days for fee reversal. Fee reversal will reflect in the 4th bill statement from the card issuance month, provided all due payments are made.

Annual Fee: Rs. 1,000 + Taxes

- Spend Rs. 1,20,000 on your card in a year for the fee waiver.

CP's Take

- We find nothing appealing in this card. It has just got the Visa Signature variant that would provide airport lounge access and other Visa Signature benefits such as free movie tickets. The RR for the accelerated category is decent, but RR in the other categories is unsatisfactory.

If lounge access is not the priority, one might consider the Bank of Baroda Select Credit Card over this card.

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