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BOBCARD Premier

BOBCARD Premier is a lifestyle-oriented credit card suited for frequent travellers and diners. It offers accelerated rewards on travel and dining expenses, along with fuel savings. With a moderate annual fee, the card provides decent value for users seeking everyday rewards and basic lifestyle benefits.

BOBCARD Premier

About Bank of Baroda Premier Credit Card

Bank of Baroda Premier Credit Card is designed mainly for users who spend frequently on travel and dining. The card provides accelerated reward points on travel bookings and overseas transactions, along with bonus rewards on dining expenses. It also includes complimentary access to select domestic airport lounges, adding value for regular travellers.

Reward points earned on the card can be redeemed as cashback at a fixed conversion rate, making the benefits easy to use. However, the card carries a relatively high foreign currency markup, which reduces the advantage of earning extra rewards on international spends. In addition, premium features such as international lounge access are limited.

Overall, this card is best suited for individuals who want straightforward rewards on travel and dining and are comfortable with basic lifestyle benefits rather than premium privileges.

Rewards Program

  • Earn enhanced reward points on spending across travel, dining, and international transactions
  • Get additional bonus points when booking flights through the BOBCard SmartDeal platform
  • Enjoy higher reward earnings on hotel reservations made via BOBCard SmartDeal
  • Receive standard reward points on all other eligible purchases
  • Redeem collected reward points as cashback at a fixed value of ₹0.25 per reward point

Other Features & Benefits

Complimentary Lounge Access

  • Get free entry to domestic airport lounges every quarter, subject to meeting the required spend in the previous quarter

Welcome Benefit

  • Earn bonus reward points on achieving the initial spend milestone within the specified time period

Joining & Annual Fee Waiver

  • Joining fee can be reversed by meeting early spending criteria

  • Annual fee is waived on crossing the prescribed yearly spend limit

Fuel Surcharge Waiver

  • Enjoy a fuel surcharge refund on eligible fuel transactions, capped monthly

Insurance Coverage

  • Accidental death insurance cover for air and non-air travel

  • Protection against misuse in case of card loss

Free Add-on Cards

  • Avail lifetime-free add-on cards for eligible family members

BOBCARD Premier Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Bank of Baroda Premier Credit Card: Fees & Charges

Particulars Amount
Joining Fee Rs. 1,000 + Applicable Taxes
Annual Fee Rs. 1,000 + Applicable Taxes
Finance Charges 3.75% p.m. (45% p.a.)
Late Payment Charges
For Statement Balance:
Less than Rs. 100 Nil
Rs. 101 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 400
Rs. 1,001 to Rs. 10,000 Rs. 750
Rs. 10,001 to Rs. 25,000 Rs. 950
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Things to Know Before You Apply

Choose this card if:

  • You want higher reward earnings on travel-related and overseas transactions

  • You prefer simple redemption of reward points in the form of cashback

  • You can meet the annual spending threshold to get the yearly fee waived

  • You dine out often and want to earn extra rewards on restaurant bills

Eligibility Criteria

  • Salaried applicants: 21 to 60 years

  • Self-employed applicants: 24 to 65 years

  • Minimum annual income: ₹7.2 lakh for both salaried and self-employed individuals

Steps to Close BOBCARD Premier Credit Card

If you want to close your BOBCARD Premier Credit Card, you can follow the official procedure provided by BOB Financial Solutions to ensure a smooth and hassle-free closure.

Visit Bank Branch

You can initiate the closure request by visiting a branch:

  • Go to the nearest Bank of Baroda branch

  • Submit a written application for credit card closure

  • Provide required details such as:

    • Cardholder name

    • Last four digits of your credit card

    • Registered mobile number

The bank will verify your request and start the closure process.

Close via Customer Care

You can also request closure through customer support:

  • Call the BOBCARD helpline

  • Ask the executive to process your credit card closure

  • Complete the verification process

  • Follow the instructions to finalize your request

Important Points to Remember

  • Clear all outstanding dues, including EMIs, interest, and applicable charges

  • Redeem reward points before closing the card, as they may expire

  • Cancel all subscriptions or auto-debits linked to the card

  • Avoid using the card after submitting the closure request

  • Request confirmation via SMS, email, or written communication

After Closure

  • Destroy the card by cutting across the chip and magnetic strip to prevent misuse

  • Check your credit report after a few weeks to ensure the status is updated as “Closed”

  • Report any discrepancies to the bank if needed

BOBCARD Premier Credit Card Helpline Number

If you need assistance regarding your BOBCARD Premier Credit Card, you can connect with the customer support team of BOB Financial Solutions. They provide support for billing queries, payments, card blocking, reward points, and other credit card services.

Customer Care Helpline Numbers

These numbers are available for all credit card-related queries and assistance.

Services Available

Customer care can assist you with:

  • Billing and statement-related queries

  • Payment and outstanding dues support

  • Reward points and benefits information

  • Reporting lost or stolen credit cards

  • Credit card closure or cancellation requests

Important Tips

  • Keep your registered mobile number and card details ready for verification

  • Never share sensitive information such as OTP, PIN, or CVV

  • Always use official BOBCARD contact details for secure communication

  • Immediately block your card if you notice any suspicious activity

FAQs

How does the BoB Premier Credit Card differ from other Bank of Baroda cards?

The Premier Credit Card is positioned above basic BoB cards and offers higher rewards on travel, dining, and overseas spends. It is suitable for users who want better benefits without opting for a high-end premium card.

The card comes with a joining fee, which is also charged as the annual fee from the second year onward. However, the yearly fee is reversed if you meet the specified annual spending requirement.

Yes, cardholders get complimentary access to domestic airport lounges every quarter, provided the spending conditions are met. International lounge access is not part of the benefits.

Eligible transactions above the minimum value can be converted into EMIs through the bank’s digital platforms. This allows repayment over flexible tenures based on bank terms.

A fuel surcharge refund is applicable on eligible fuel transactions within the prescribed transaction range, subject to a monthly cap.

You can check the status online using your application reference details on the official BoB credit card portal or by contacting customer support.

Yes, credit limit enhancement requests can be placed via customer care or digital banking channels. Approval depends on factors such as usage history and income eligibility.

Support is available through toll-free customer care, email assistance, and by visiting a Bank of Baroda branch for card-related queries.

International spends attract a foreign currency markup fee. While reward points are earned on such transactions, the markup should be considered before using the card abroad.

In case of loss, the card should be blocked immediately through customer care or the official mobile app. A replacement card can be requested after verification, as per bank policy.