🏦 BOBCARD — Bank of Baroda — Complete Guide 2026
Best Bank of Baroda Credit Cards in India – Features, Benefits, Fees & Apply Online
Compare all BOBCARD credit cards — from the premium Eterna with 15X
rewards and unlimited lounge access, to co-branded cards for IRCTC
rail travel, Snapdeal shopping, Defence personnel, and Indian Navy.
Find your perfect card and apply online today.
15X
Max Reward Rate (Eterna)
3.75%
Effective Return (Online/Dining)
60+
Domestic Lounges (Eterna)
₹81K
Annual Savings Value (Eterna)
About Bank of Baroda (BOBCARD) Credit Cards
Bank of Baroda issues credit cards through its wholly-owned
subsidiary BOBCARD Limited (formerly BOB
Financial Solutions Limited). As one of India's largest public
sector banks with 8,000+ branches and a 115-year legacy, Bank of
Baroda brings its deep trust and reach to a modern, competitive
credit card portfolio. BOBCARD offers cards across lifestyle,
travel, co-branded (IRCTC, Snapdeal), and exclusive Defence Forces
categories on Visa, Mastercard, and RuPay networks.
The flagship BOBCARD Eterna is the bank's most
premium card, offering 15X reward points on online spends, travel,
dining, and movies — translating to an effective
3.75% reward rate — along with unlimited domestic
lounge access (on meeting quarterly spend), a low 2% forex markup,
complimentary FitPass Pro membership, and BOGO movie tickets
monthly. For everyday users, the
Premier Card offers solid travel benefits with
annual fee waiver potential. And for India's armed forces community,
BOB has dedicated cards for the Army (Yoddha),
Navy (Varunah), and
Assam Rifles (Sentinel).
15X Rewards on Eterna
Highest reward rate in BOB's portfolio — 15 points per ₹100 on
online, travel, dining, movies, and international spends
Multi-Network Cards
Cards on Visa, Mastercard, and RuPay — including UPI-enabled
RuPay credit cards for IRCTC and Eterna variants
Defence Force Cards
India's only public sector bank with dedicated credit cards for
Army (Yoddha), Navy (Varunah), and Assam Rifles (Sentinel)
Best Bank of Baroda Credit Cards 2026
Here are the top BOBCARD credit cards across all
major categories — with complete fee, reward, and eligibility
details.
Bank of Baroda Credit Cards Comparison Table
| Card Name |
Annual Fee |
Best For |
Top Reward Rate |
Fee Waiver |
Apply |
| BOBCARD Eterna |
₹2,499+GST |
Premium |
15 pts/₹100 (online/dining/travel) |
₹2.5L annual spend |
Apply →
|
| BOBCARD Premier |
₹999+GST |
Travel |
5 pts/₹100 (travel category) |
₹1.2L annual spend |
Apply →
|
| IRCTC BOBCARD |
₹500+GST |
Railways |
Up to 40 pts/₹100 on IRCTC |
— |
Apply →
|
| Snapdeal BOBCARD |
₹500+GST |
Shopping |
5% cashback on Snapdeal + 10 pts online |
— |
Apply →
|
| BOBCARD Select |
FREE |
Everyday |
5 pts/₹100 dining/utility |
Lifetime Free |
Apply →
|
| BOB Yoddha (Army) |
FREE |
Defence |
10X on grocery/departmental |
Lifetime Free |
Apply →
|
| Varunah (Navy) Card |
₹0–₹2,499+GST |
Defence |
Up to 15 pts/₹100 |
Free (basic variant) |
Apply →
|
| Vikram Card (Veterans) |
FREE |
Defence |
5 pts/₹100 grocery/movie |
Lifetime Free |
Apply →
|
Co-Branded & Special Category Cards
BOBCARD has built a unique portfolio of
purpose-built co-branded and exclusive cards beyond
the standard lifestyle range — including India's only bank with
dedicated credit cards for all three major Defence Forces.
🚂
Railway
IRCTC BOBCARD
India's best IRCTC co-branded card. Earn up to 40X points on
railway ticket bookings, 1% TDR waiver, UPI-enabled via RuPay.
Perfect for frequent train travellers.
Apply Now →
🛍️
Shopping
Snapdeal BOBCARD
5% unlimited cashback on all Snapdeal purchases + 10 pts/₹100
online. Cashback auto-credited to monthly statement — no
redemption hassle.
Apply Now →
⚔️
Army
BOB Yoddha (Indian Army)
Lifetime-free card exclusively for Indian Army personnel. 10X
grocery rewards, free Amazon Prime membership, complimentary
lounge access, and accidental cover.
Apply Now →
⚓
Navy
BOB Varunah (Indian Navy)
3 variants (Varunah, Plus, Premium) exclusively for Navy
personnel. Basic is lifetime free; Plus & Premium offer FitPass
Pro, Amazon Prime, and up to 15X rewards.
Apply Now →
🪖
Veterans
BOB Vikram (Army Veterans)
Lifetime-free card for defence veterans and retired Army
personnel. 5X rewards on grocery, movies, and departmental
stores; 20L accidental death insurance cover.
Apply Now →
🎖️
Assam Rifles
BOB Sentinel (Assam Rifles)
Lifetime-free credit card designed exclusively for Assam Rifles
members. Earn reward points on every spend with lifestyle
benefits and insurance coverage.
Apply Now →
🌟
BOBCARD Eterna — Lifetime Free Offer: The premium BOBCARD Eterna (normally ₹2,499+GST/yr) was available as a lifetime free card for applications made until December 31, 2026 via select channels. For current LTF eligibility, check directly with BOBCARD or visit bobcard.co.in — limited-time promotions are periodically reactivated.
BOBCARD Credit Card Fees & Charges
Here is a complete breakdown of all standard fees and charges across
BOBCARD credit cards. Note key changes effective
January 1, 2026:
| Fee / Charge Type |
Amount |
Notes |
| Joining Fee |
₹0 – ₹2,499 + GST |
Select card = Free. Eterna = ₹2,499+GST (LTF offer may
apply). Premier = ₹999+GST. IRCTC/Snapdeal = ₹500+GST.
|
| Annual Renewal Fee |
₹0 – ₹2,499 + GST |
Eterna: Waived on ₹2.5L annual spend. Premier: Waived on
₹1.2L annual spend + ₹10K spend in first 60 days.
|
| Finance Charges (Interest) |
3.50% per month (42% p.a.) |
Standard revolving credit interest from payment due date.
Paying full balance avoids all charges.
|
| Late Payment Fee |
₹100 – ₹1,300 |
Slab-based depending on total outstanding amount. Prompt
payment avoids all late fees.
|
| Cash Advance Fee |
2.5% of amount (min ₹300) |
Interest applies from the date of withdrawal. No
interest-free period on cash advances.
|
| Foreign Transaction Markup |
2% + GST (Eterna) / 3.5% + GST (others) |
Eterna's 2% forex markup is significantly lower than most
Indian bank cards (3.5%). A key advantage.
|
| Fuel Surcharge Waiver |
1% waiver (cap ₹100–₹250/cycle) |
On fuel transactions ₹400–₹5,000. No reward points on fuel
spends (Jan 2026 update for excess amounts).
|
| Wallet Load / Utility (Jan 2026) |
1% processing fee |
New from January 2026: 1% fee on wallet loading, utility
transactions above ₹50,000, and fuel above ₹10,000.
|
| Over-Limit Fee |
2.5% of over-limit amount (min ₹500) |
Charged if spending exceeds the credit limit with over-limit
facility enabled.
|
| EMI Conversion Fee |
Processing fee applies |
Transactions ₹2,500+ convertible to Smart EMIs of 6–36
months. Processing fee varies by EMI plan.
|
| Card Replacement Fee |
₹100 – ₹250 |
For lost, stolen, or damaged card replacement. |
⚠️
January 2026 Changes: BOBCARD introduced a
1% processing fee on wallet loading, utility
transactions above ₹50,000, and fuel transactions above ₹10,000.
Additionally, effective January 1, 2026,
complimentary lounge access now requires minimum quarterly
spending — ₹40,000/quarter for Eterna and ₹20,000/quarter for
Premier. All fees are subject to 18% GST.
Eligibility Criteria for BOBCARD Credit Cards
Bank of Baroda credit cards have accessible eligibility requirements
suitable for a wide range of income levels. Application is fully
digital via Video-KYC.
Age: 21 – 65 Years
Primary cardholder must be 21–65 years old. Add-on cardholders
minimum 18 years. No upper age restriction for most variants.
Salaried Income: ₹3L+/year (Premier) / ₹3.6L+ (IRCTC)
Premier Card: ₹3L+ annual gross income. IRCTC Card: ₹3.6L+
salaried. Eterna: Income criteria per credit assessment.
Self-employed: ₹4.8L+ ITR for IRCTC.
CIBIL Score: 700+ Recommended
A CIBIL score of 700 or above is recommended for most BOBCARD
credit cards. Strong repayment history improves approval
chances.
Residency: Indian Resident
Must be a resident Indian with valid address proof. NRIs can
apply through Bank of Baroda's NRI banking division
separately.
Employment: Salaried or Self-employed
Both salaried and self-employed individuals are eligible.
Defence cards (Yoddha, Varunah, Vikram, Sentinel) require
valid service/veteran credentials.
KYC: PAN + Aadhaar (Both Sides)
PAN card and Aadhaar (both sides) mandatory. Salaried: 2-month
bank statement + salary slip. Self-employed: latest ITR +
business proof.
BOBCARD Reward Points Program
BOBCARD reward points are managed through the
bobcard.co.in portal. Each reward point is worth
₹0.25 on standard redemption. The Eterna card's
accelerated categories offer up to 3.75% effective return — one of
the best rates in the PSU bank credit card segment.
✨
Eterna Standout Rewards: Earn
15 reward points per ₹100 spent on online
shopping, dining, travel, movies, and international transactions —
effective rate of 3.75%. Earn 3 points/₹100 on all other spends.
Additionally, earn 10,000 bonus points on spending ₹50,000 in the
first 60 days, and 20,000 bonus points on ₹5L annual spend
milestone.
Reward Earn Rates by Card
| Card |
Category |
Earn Rate |
Effective Return |
| BOBCARD Eterna |
Online, Travel, Dining, Movies, International |
15 pts / ₹100 |
3.75% |
| BOBCARD Eterna |
All other retail spends |
3 pts / ₹100 |
0.75% |
| BOBCARD Eterna (RuPay) |
UPI transactions |
3 pts / ₹100 |
0.75% |
| BOBCARD Eterna (on BOB site) |
Hotel bookings |
30 pts / ₹100 |
7.5% |
| BOBCARD Eterna (on BOB site) |
Flight bookings |
12 pts / ₹100 |
3.0% |
| IRCTC BOBCARD |
IRCTC rail ticket booking |
Up to 40 pts / ₹100 |
Up to 10% |
| IRCTC BOBCARD |
Grocery & departmental stores |
4 pts / ₹100 |
1.0% |
| Snapdeal BOBCARD |
Snapdeal purchases |
5% cashback |
5.0% (auto credit) |
| Snapdeal BOBCARD |
Online shopping & grocery |
10 pts / ₹100 |
2.5% |
| BOBCARD Select |
Dining & utility bills |
5 pts / ₹100 |
1.25% |
| BOB Yoddha (Army) |
Grocery & departmental |
10 pts / ₹100 |
2.5% |
⚠️
Exclusions: No reward points on fuel
transactions, insurance premium payments, EMI conversions, wallet
loads, rent payments, government transactions, and education fee
payments. The 15X accelerated rate on Eterna does NOT apply to
these categories. From January 2026, special MCC codes have been
added to the exclusion list — check the full list at
bobcard.co.in.
Key Benefits of BOBCARD Credit Cards
| Benefit |
Details |
Applicable Card(s) |
| Domestic Airport Lounge Access |
Unlimited complimentary visits to 60+ domestic lounges
(subject to ₹40,000 quarterly spend from Jan 2026); 35+
lounges for Premier (₹20K quarterly spend)
|
Eterna, Premier |
| FitPass Pro Membership |
6-month complimentary FitPass Pro membership worth ₹15,000 —
access 7,500+ gyms, yoga studios, and fitness centres across
India
|
Eterna (welcome), Varunah Plus/Premium |
| BOGO Movie Tickets |
Buy 1 Get 1 Free on movie tickets every month via District
by Zomato app (up to ₹200 discount per ticket, twice a
month)
|
Eterna |
| Amazon Prime Membership |
Complimentary 1-year Amazon Prime membership (on meeting
spend milestone)
|
Yoddha, Varunah Plus/Premium |
| Golf Program |
4 complimentary golf games + 4 golf lessons per year; 2
games/lessons per quarter
|
Premier, Eterna |
| Welcome Bonus Points |
10,000 bonus reward points (worth ₹2,500) on spending
₹50,000 within first 60 days of card issuance
|
Eterna |
| Milestone Bonus Points |
20,000 bonus reward points (worth ₹5,000) on achieving ₹5
Lakh annual spend
|
Eterna |
| IRCTC TDR Waiver |
1% transaction charge waiver on railway ticket bookings
through IRCTC website and app
|
IRCTC BOBCARD |
| UPI Credit Card Payments |
Link card to UPI apps (Google Pay, PhonePe, BHIM) and earn
reward points on UPI transactions
|
IRCTC BOBCARD (RuPay), Eterna (RuPay variant) |
| Air Accident Cover |
₹1 Crore air accident death cover (Eterna); ₹20 Lakh
combined air & non-air accidental cover (Vikram)
|
Eterna, Vikram, select others |
| Fuel Surcharge Waiver |
1% waiver on fuel transactions ₹400–₹5,000; capped at
₹100–₹250 per billing cycle depending on card
|
All BOBCARD credit cards |
| 24×7 Concierge Service |
Round-the-clock concierge assistance for travel bookings,
restaurant reservations, and lifestyle requests
|
Premier, Eterna |
| Smart EMI Conversion |
Convert purchases of ₹2,500+ into easy EMIs of 6–36 months
at competitive interest rates
|
All BOBCARD credit cards |
| Zero Lost Card Liability |
Full protection on unauthorized transactions if reported
promptly after card loss or theft
|
All BOBCARD credit cards |
How to Apply for a BOBCARD Credit Card Online
BOBCARD's application process is fully digital with
Video-KYC — no branch visit or physical document
submission required. The process takes under 15 minutes.
1
Choose Your Card on MyBankingTips
Browse all BOBCARD credit cards above and pick your preferred
card based on spending habits — premium rewards (Eterna),
travel (Premier), railways (IRCTC), shopping (Snapdeal), or
Defence (Yoddha/Varunah).
2
Check Eligibility (No CIBIL Impact)
Enter your income, employment type, and city for an instant
soft-check eligibility assessment. No hard inquiry on your
CIBIL score at this stage.
3
Fill the Online Application Form
Click Apply Now to be redirected to the BOBCARD application
portal. Fill in personal details — name, PAN, Aadhaar number,
date of birth, mobile, email, and residential address.
4
Complete Video-KYC
BOBCARD offers fully digital Video-KYC (VKYC) — connect with a
bank representative over video call to verify your identity.
Have your original PAN and Aadhaar ready for verification.
Keep good lighting and a stable internet connection.
5
Upload Income Documents
Upload scanned copies of: 2-month bank statements showing
salary credits (salaried) or latest ITR (self-employed).
Defence personnel applying for Yoddha/Varunah/Sentinel must
also upload service ID proof or discharge certificate.
6
Receive Card & Activate Benefits
On approval, your physical card is dispatched within 7–10
working days. Log in to bobcard.co.in or call 1800 103 1002 to
activate the card, set your PIN, and link your card to access
welcome benefits like bonus points and FitPass Pro.
💡
Pro Tip: For the BOBCARD Eterna, spend
₹50,000 within the first 60 days of card issuance
to unlock the 10,000 welcome bonus reward points (worth ₹2,500).
Combined with the FitPass Pro membership (₹15,000 value), you
recover the entire joining fee and more in the very first two
months.
Smart Tips to Maximise Your BOBCARD Benefits
✅ Do These
-
✓Consolidate your
online shopping, dining, OTT, and travel bookings
on the Eterna card — all earn 15X points (3.75% return) vs
just 1–3X on other categories
-
✓Book flights and hotels directly on
Bank of Baroda's travel portal using the
Eterna card — earn 12X (flights) and 30X (hotels) points for
massively higher returns
-
✓Spend ₹40,000+ per quarter on
the Eterna card to unlock unlimited domestic lounge access for
that quarter — worth ₹1,500–₹3,000 in lounge fees
-
✓Choose the
RuPay variant of Eterna or IRCTC card to earn
3X points on all UPI payments via Google Pay / PhonePe
-
✓Hit the
₹5L annual spend milestone on Eterna to earn
20,000 bonus points (₹5,000 value) AND get the annual fee
waived — double benefit
-
✓Use the BOGO movie offer on
District by Zomato app twice a month — saves ₹200–₹400/month,
or ₹2,400–₹4,800 per year
✗ Avoid These
-
✗Don't use BOBCARD for
insurance premium payments — reward points
are not earned and it's a wasted premium-card transaction
-
✗Avoid
wallet loads above ₹50,000 — BOBCARD now
charges a 1% processing fee (from January 2026) on high-value
wallet loading
-
✗Don't use the Eterna card for
fuel transactions — no reward points earned
on fuel (1% surcharge waiver only, capped at ₹250)
-
✗Don't let your
quarterly spend fall below ₹40,000 (Eterna)
or ₹20,000 (Premier) if you rely on complimentary lounge
access — you'll lose the benefit that quarter
-
✗Avoid
third-party OTA platforms for flight and
hotel bookings — use Bank of Baroda's own travel portal for
12X–30X vs standard 15X maximum
-
✗Don't carry a revolving balance — BOBCARD
charges 3.5%/month (42% p.a.), which would quickly wipe out
all reward point gains
🎯
Expert Verdict: The
BOBCARD Eterna is the best credit card in Bank of Baroda's
portfolio
— and among the best reward credit cards from any PSU bank in
India. With 15X points (3.75% return) on online/dining/travel, low
2% forex markup, unlimited lounge access (on ₹40K quarterly
spend), FitPass Pro, BOGO movies, and ₹1 Crore air cover — all for
₹2,499/yr (waived on ₹2.5L spend) — it competes directly with
private bank cards charging ₹5,000–₹10,000 annually. The IRCTC
BOBCARD is the go-to choice for frequent train travellers, and the
Defence cards remain unmatched for India's armed forces community.
Frequently Asked Questions About BOB Bank Credit Cards
What is BOBCARD and how is it different from Bank of
Baroda?
BOBCARD Limited (formerly BOB Financial Solutions Limited) is a
wholly-owned subsidiary of Bank of Baroda that exclusively
handles the credit card business. Bank of Baroda is the parent
bank offering savings accounts, loans, and all banking products.
BOBCARD is the entity that issues, manages, and services all
Bank of Baroda credit cards. When you apply for a BOB credit
card, you're technically applying through BOBCARD Limited —
though the process is seamlessly integrated via Bank of Baroda's
official website and branches.
Is the BOBCARD Eterna available as a lifetime-free
card?
The BOBCARD Eterna was available as a lifetime-free card for
applications processed until December 31, 2026 through select
partner channels and promotions. Its standard joining and annual
fee is ₹2,499+GST. However, the annual fee can be waived if you
spend ₹2.5 Lakh or more in the previous membership year — making
it effectively free for active users. The RuPay variant of the
Eterna may also be available as LTF on certain platforms. Check
bobcard.co.in or partner platforms for current LTF offers, which
are periodically reactivated.
How does the BOBCARD Eterna's lounge access work after
January 2026?
Effective January 1, 2026, BOBCARD changed the lounge access
policy to a spend-based model. For the Eterna card, you must
spend a minimum of
₹40,000 in the preceding calendar quarter
(Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec) to qualify for unlimited
complimentary domestic lounge access in the following quarter.
For the Premier card, the threshold is ₹20,000 per quarter. This
means cardholders who spend ₹40K+ consistently each quarter
effectively get unlimited domestic lounge access across 60+
lounges year-round.
Can I link my BOBCARD to UPI apps like Google Pay?
Yes — BOBCARD's RuPay network variants support
UPI payments. The IRCTC BOBCARD (RuPay) and the Eterna (RuPay
variant) can be linked to UPI apps including Google Pay,
PhonePe, Paytm, and BHIM to make UPI-based credit card payments
at any UPI QR code or merchant. You earn 3 reward points per
₹100 on UPI transactions with the Eterna RuPay variant. This is
particularly useful for offline merchant payments and
small-value transactions where you still want to earn reward
points.
What is the reward point redemption process for
BOBCARD?
BOBCARD reward points can be redeemed through the official
portal at bobcard.co.in or via the BOBCARD customer care
helpline 1800 103 1002 (toll-free). Each reward point is worth
₹0.25 on standard redemption. Points can be redeemed for:
statement credit against outstanding balance, gift vouchers from
brand partners, merchandise from BOBCARD's rewards catalogue,
and flight/hotel bookings through Bank of Baroda's travel
platform. The Snapdeal BOBCARD automatically converts points to
cashback credited on the monthly statement — no redemption
action required.
How do I apply for the BOB Varunah or Yoddha Defence
card?
The BOB Defence credit cards (Yoddha for Army, Varunah for Navy,
Vikram for Veterans, Sentinel for Assam Rifles) are exclusively
available to eligible personnel with valid service credentials.
To apply: (1) Visit any Bank of Baroda branch with your service
ID card / discharge certificate, (2) Fill the credit card
application form for the relevant Defence card, (3) Submit KYC
documents including PAN, Aadhaar, and service proof, (4) For
offline applications, the branch will process and forward to
BOBCARD. Online applications via bobcard.co.in may also be
available with digital document upload and Video-KYC
verification.
Does the IRCTC BOBCARD earn points on all train
bookings?
The IRCTC BOBCARD earns up to
40 reward points per ₹100 specifically on train
ticket bookings made through the IRCTC website (irctc.co.in) and
the IRCTC mobile app. Additionally, it offers a
1% TDR (Transaction Charge) waiver on IRCTC
bookings — saving you money on transaction fees charged per
ticket. For other categories, you earn 4 points/₹100 on grocery
and departmental stores, and 2 points/₹100 on all other spends.
The RuPay variant is UPI-enabled, letting you pay at physical
stores and online merchants via UPI while still earning reward
points.
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What Our Readers Say About BOBCARD
★★★★★
"BOBCARD Eterna gives 15X points on Zomato, Swiggy, and online
shopping — I'm getting 3.75% back which beats my HDFC Millennia.
Low 2% forex is great for my international trips too. Applied
via MyBankingTips in minutes!"
D
Deepak Sharma
Software Developer, Pune
★★★★★
"The IRCTC BOBCARD is a must-have for me — I travel by train
twice a month for work. 40X points on IRCTC bookings plus the
TDR waiver saves me ₹800–₹1,000 every month. Zero regrets. Card
arrived in 6 days."
M
Madhuri Rao
Sales Executive, Hyderabad
★★★★★
"As an Army officer, the Yoddha card is perfect — lifetime free,
Amazon Prime on milestone, lounge access, and 10X on grocery.
BOBCARD has finally built something truly for us. MyBankingTips
had the clearest comparison."
R
Rajveer Singh
Indian Army Officer, Delhi
⚠️ Disclaimer
MyBankingTips is a loan aggregator authorized to
provide services on behalf of its partners. All BOBCARD (Bank of
Baroda) credit card features, fees, interest rates, reward programs,
and benefits described on this page are for informational purposes
and subject to change at BOBCARD Limited's discretion. Key changes
effective January 1, 2026 (lounge spend conditions, processing fees)
have been incorporated where known. Defence Force cards (Yoddha,
Varunah, Vikram, Sentinel) are exclusively available to eligible
service/veteran personnel. MyBankingTips does not guarantee
application approval. Please read BOBCARD's MITC document at
bobcard.co.in carefully before applying.