Bank of Baroda Premier Credit Card
Updated on September 9, 2026
🎖️Reward Rate
Reward Rate — Bonus Categories: 5X Rewards (10 pts/₹100) confirmed separately for Travel & International Spends (Travel Benefits tile) and Dining spends (Dining Experiences tile)
Rewards
Reward Type
Reward Points
Reward Rate
- • Reward Rate — Bonus Categories: 5X Rewards (10 pts/₹100) confirmed separately for Travel & International Spends (Travel Benefits tile) and Dining spends (Dining Experiences tile)
- • Reward Rate — Bonus Category Cap: 5X Rewards capped at 2,000 Reward Points on the mentioned categories per statement cycle
- • Reward Rate — Other Categories: 2 Reward Points per ₹100 spent on all other categories
Welcome Benefit
Welcome Benefit: 500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance
Redemption
- • Redemption — Point Value: 1 reward point = ₹0.25 (Redeem reward points for cashback)
- • Redemption — Options: Redeem as cashback (no separate voucher/flight-booking portal shown on captured pages)
Benefits
- Domestic Lounge Access: Complimentary Airport Lounge visit every quarter (Travel Benefits tile)
- Shopping Fun (Deals & Discounts): Thrill yourself with Attractive Deals & Discounts across leading online & retail brands
- Smart EMI Option: Convert purchase of > ₹2,500 into Smart EMIs of 6–48 months
Things to Know Before you apply
Bank of Baroda Premier Credit Card Eligibility Criteria
- Age: 25–55 years
- Minimum Annual Income: Net Annual Income of > ₹7.2 Lakh
- Residency / Employment Type: Indian Resident, Salaried/Self-employed
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | ₹1,000 |
| Cash Advance Fee | Cash Advance Fee: Not shown on captured official-site pages |
Fee waiver: Milestone Benefit — Fee Waiver: Spend ₹1,20,000 in the preceding card anniversary year and get your annual fee of ₹1,000 waived off; Fuel Surcharge Waiver: Same range, plus Max ₹250 per statement cycle cap; no reward points earned on fuel transactions
PaisaSimple Review
Overall Rating
4.5/5Compare with Similar Cards
Joining Fee
Free
Annual/Renewal Fee
₹1,000
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
- • Welcome Benefit: 500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance
- • Complimentary welcome voucher worth ₹500 from premium retail partners upon completion of first transaction within 30 days.
- • Qualification Criteria: First card swipe within 30 days of issuance
- • Fulfillment Timeline: Dispatched via SMS within 45 days
- • Reward Rate — Bonus Categories: 5X Rewards (10 pts/₹100) confirmed separately for Travel & International Spends (Travel Benefits tile) and Dining spends (Dining Experiences tile)
- • Reward Rate — Bonus Category Cap: 5X Rewards capped at 2,000 Reward Points on the mentioned categories per statement cycle
- • Reward Rate — Other Categories: 2 Reward Points per ₹100 spent on all other categories
- • Reward Points Crediting: Credited within 45 days from the settlement date of eligible retail transactions
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Accelerated Rewards: Earn 6 Reward Points per ₹100 spent on International purchases (4X Accelerated Earning)
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government payments
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions