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What is Bank of Baroda Select Credit Card?

Credit cards are among the most common payment instruments used by consumers today. In search of better lifestyles and as incomes increase in alignment, more consumers are opting for a credit card than ever before. In order to cater to this increased demand, banks and other financial institutions are offering newer and more beneficial credit cards.


The Bank of Baroda Select credit card is one such credit card that is seeing a lot of popularity among customers. The BOB Select card is popular owing to the wide range of benefits and discounts that it offers to consumers on all their purchases. A vast range of features are made available to cardholders of the Bank of Baroda Select credit card.


Owing to the numerous options available for those looking to avail a credit card, it can get confusing at times to know which credit card you should opt for. However, every BOB Select credit card review will offer compelling reasons as to why this is the best card for you.


Read on to learn more about this Bank of Baroda credit card that will enable you to avail enormous discounts and save extra on all your purchases. 

Bank of Baroda Select Credit Card Features & Benefits

There are several features and benefits offered with the BOB Select card. Read on to learn more about these.

1. Annual Fee Waiver:

By using the Bank of Baroda Select credit card, you can avail an annual fee waiver of Rs. 70,000 after spending Rs. 7,500 within the first 60 days of having received the card.

2. Waiver on Fuel Surcharge:

Fuel surcharge can often prove to be an expensive proposition, but with the BOB Select card, you can avail zero fuel surcharge across all Indian petrol pumps. The waiver can be availed for all transactions, ranging between Rs. 400 to Rs. 5,000.

3. Pay with EMIs:

All the purchases you make through the Bank of Baroda Select credit card can be converted into Equated Monthly Installments (EMIs). This makes it significantly easier for you to make your credit card repayments by extending the repayment tenure upto 6 or 12 months.

4. Free Add-on Cards:

The primary cardholder with the BOB Select card can get upto three add-on lifetime free credit cards for their family members. This could include your spouse, children, parents, or even siblings aged above 18 years.

5. Free Insurance Cover:

The Bank of Baroda Select credit card offers inbuilt cover for personal accidental death insurance for the cardholder and their family for no extra charge.

6. Zero Liability on Lost Cards:

There are often cases of credit cards being stolen and used for fraudulent activities. However, with the Bank of Baroda Select credit card, you are held 0% liable for any fraudulent activities carried out through your card if you report the loss of the card within 24 hours of it taking place.

7. Others:

Other advantageous features of the BOB Select card include its revolving credit facility upon making payments of the minimum due amount and the 90-day interest-free period of 90 days.

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Bank of Baroda Select Credit Card Fees & Charges

There are some charges and fees associated with the Bank of Baroda Select credit card, as mentioned below. Before you avail the credit card, it is important that you go through the details mentioned below.

Fee Type


First-year fee

Rs. 750

Annual Fee

Rs. 750

Cash Withdrawal Fee (Domestic ATM)

Subject to minimum Rs. 300, 2.5% of transaction value

Cash Withdrawal Fee (International ATM)

Subject to minimum Rs. 300, 3.0% of transaction value

Finance Charges or Interest

3.25% monthly or 39% annually

Duplicate Fee Bill

Rs. 25 per request

Cheque Return Charges

Rs. 300 or 2% of cheque amount, whichever is higher

Over Limit Charges

1% once usage exceeds sanctioned credit limit each month

Card Replacement Charges

Rs. 100 per request

Foreign Currency Transaction Fee

3.5% of transaction value

Charge Slip Retrieval Charges

Rs. 250 per slip

Card Unblocking Charges

Rs. 300 per instance






Late Payment Charges

As per the outstanding amount:

Less than 200: Nil

Rs. 201 to Rs. 500: Rs. 100

Rs. 501 to Rs. 1,000: Rs. 400

Rs. 1,001 to Rs. 10,000: Rs. 500

More than Rs. 10,000: Rs. 750

Bank of Baroda Select Credit Card Rewards

While the charges associated with the BOB Select card may seem expensive at first, it is important to understand the immense amount of rewards and benefits available with the card as well. The Bank of Baroda Select credit card offers several benefits and rewards to cardholders, such as those mentioned below:

  • For every 100 spent, you get 1 reward point which is equivalent to 0.25 paise.

  • Under the Accelerated Reward Points, you get 5 reward points for every 100 spent toward Online Utility/Dining/Shopping function. However, these reward points are capped at 1000 each month.

  • Under the Bonus Reward Points, you can avail 1000 reward points by making 5 transactions for 1000 each month. This programme also offers a 1% fuel surcharge on transactions which can range between Rs. 400 to Rs. 5,000.

Bank of Baroda Select Credit Card Eligibility Criteria

There are certain eligibility criteria involved with all credit cards, but the Bank of Baroda Select credit card can be availed by those meeting the following credit:

  • The applicant must be aged between 18 to 65 years

  • The applicant needs to be self-employed or salaried

  • The applicant must have an annual income of Rs. 25,000

  • The applicant is required to submit documents as proof of identity, income, residence, and their PAN Card along with a photograph.

How to Apply for BOB Select Credit Card

Applying for the BOB Select Credit Card is an extremely easy and convenient process. There are two ways you can complete the process:

1. Online:

It is possible to apply for the Bank of Baroda Select credit card online through the bank’s website. You can download the form off the website, fill in all the required details, attach the necessary documents, and submit it at the nearest bank branch.

2. SMS:

From your registered number, you can send an SMS to 9223990624 with the message “Apply <city name>”. A bank representative will contact you and help you complete the process for availing the BOB Select card.


How to Reach Bank of Baroda Select credit card customer care?

It is extremely easy to reach the BOB credit card customer care team. You can call on any of their domestic or international helpline numbers or even accelerate the issue through email. You can also choose to send a post to their registered offices across India for addressing your concerns.


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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Bank of Baroda Select credit card is one of the best credit cards available, and offers a range of benefits and rewards for cardholders. 

Credit card limits are decided on a range of factors. It is best to visit the bank branch and submit an application for increasing your credit card limit.

To get the Bank of Baroda Select credit card requires you to pay an annual fee of Rs. 750 as well as Rs. 750 as a first-year fee.


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