BOBCARD Credit Cards

Types of BOBCARD Credit Cards

Compare BOBCARD credit cards across all categories - lifestyle, travel, cashback, fuel, co-branded airline, and professional cards - all issued by BOBCARD Ltd, a wholly-owned subsidiary of Bank of Baroda. Browse detailed reviews, reward points, lounge access terms, annual fees, and eligibility to find the right BOB credit card for your spending needs.

Which BOBCARD Credit Card Should You Choose?

Choose ETERNA if

You want unlimited lounge access, high rewards on dining and travel, and a card worth ₹81,000 in annual benefits.

Choose TIARA if

You want unlimited lounge access, a women's health package, and exclusive shopping vouchers from top brands.

Choose Etihad Guest if

You fly Etihad frequently and want to earn Etihad Guest miles on every rupee spent.

Choose ENERGIE if

You fill up at HPCL pumps and want fuel cashback plus utility and grocery rewards.

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Choose PREMIER or PRIME if

You want a travel-rewards mid-range card or an FD-backed card to build credit from scratch.

About BOBCARD Credit Cards

BOBCARD Ltd is a wholly-owned subsidiary of Bank of Baroda - one of India's largest public sector banks - and serves as the dedicated credit card issuing entity for the BOB group. With over 31.7 lakh active credit cardholders as of April 2026, BOBCARD offers a portfolio spanning premium lifestyle cards, women's cards, travel and airline co-brands, fuel cards, cashback cards, and professional cards for chartered accountants, company secretaries, and defence personnel. BOBCARD credit cards run on Visa and RuPay networks and are backed by the Barodarewardz loyalty programme, where reward points can be redeemed for cashback, vouchers, and travel bookings.

Types of BOBCARD Credit Cards

BOBCARD organises its portfolio across six categories:

Premium Lifestyle Cards - The BOBCARD ETERNA is the flagship premium card, offering unlimited complimentary domestic airport lounge access, 15X reward points on travel, dining, and international spends, a 6-month FitPass Pro membership as a welcome benefit, and lifestyle perks valued at up to ₹81,000 per year. It is one of the most searched individual credit cards in India with 14,800 monthly searches. The BOBCARD TIARA is BOBCARD's women's premium card, offering unlimited lounge access, a women's health package, and vouchers from Nykaa, Myntra, Amazon Prime, Gaana Plus, BigBasket, and Swiggy One.
Travel & Airline Co-brand Cards - The BOBCARD PREMIER is BOBCARD's mid-premium travel card with 5X rewards on travel, dining, and international spends and quarterly lounge access (subject to ₹20,000 quarterly spend from January 2025). The Etihad Guest BOBCARD (Standard and Premium variants) earns Etihad Guest miles on all spends - the strongest option for frequent Etihad travellers.
Cashback Cards - The BOBCARD Cashback Credit Card, launched at the Fintech Festival 2025, is BOBCARD's first pure cashback product - entering direct competition with the SBI Cashback, HDFC Millennia, and Axis Ace cards.
Fuel Cards - The HPCL Bank of Baroda ENERGIE Credit Card is co-branded with HPCL and offers fuel cashback via the HP Pay app, 10X rewards on utility, grocery, and departmental store spends, and 4 domestic lounge visits per year.

Why Choose a BOBCARD Credit Card?

BOBCARD credit cards offer four key advantages:

Eterna's Market-Leading Rewards - The BOBCARD ETERNA offers 15X reward points on travel, dining, and international spends - one of the highest earn rates in the mid-premium segment. Its unlimited domestic lounge access and FitPass Pro welcome benefit make it one of the strongest lifestyle cards under ₹2,500 annual fee.
Women-First Benefits - The BOBCARD TIARA is among the few credit cards in India purpose-built for women, with a health package, unlimited lounge access, and curated brand vouchers (Nykaa, Myntra, Swiggy One) that provide genuine everyday value.
Professional Cards with LTF Status - BOBCARD's professional cards for ICAI, ICSI, and ICMAI members are lifetime free with 12 lounge visits per year - a rare combination of LTF status and premium benefits unavailable from most other banks.
Public Sector Backing with Digital Features - As a Bank of Baroda subsidiary, BOBCARD offers the trust and wide branch network of a public sector bank with modern features including UPI-linked cards, online application, and video-KYC.

How to Choose the Right BOBCARD Credit Card

For premium lifestyle and travel - The BOBCARD ETERNA is the strongest all-round choice for users spending ₹30,000+ per month, offering unlimited lounge access and 15X rewards on high-value categories. The BOBCARD PREMIER suits mid-spenders who want travel benefits without the premium fee.
For women - The TIARA is purpose-built, with benefits extending beyond standard rewards to women's health and lifestyle needs.
For airline loyalty - Both Etihad Guest BOBCARD variants suit frequent Etihad travellers. The Premium variant suits higher spenders.
For fuel savings - The HPCL ENERGIE card is the best pick for HPCL fuel users, with additional rewards on grocery and utility.
For credit beginners - The BOBCARD PRIME requires only a ₹15,000 FD with no income proof or credit score required.

Bank of Baroda credit card eligibility: CIBIL score of 750+ is recommended for most standard and premium cards. Minimum income is approximately ₹3 lakh per annum for entry cards and ₹5–8 lakh for premium cards like Eterna and Tiara. Bank of Baroda credit card limit is set by income, credit score, and existing liabilities - typically ranging from ₹50,000 for entry-level to ₹5 lakh+ for Eterna.

Fees, Interest Rates & How to Apply

BOBCARD credit card interest rate: Revolving credit attracts interest at approximately 3.49% per month (41.88% per annum) on outstanding balances after the due date. Pay the total outstanding before the due date to avoid all interest charges.

Annual fees range from ₹0 (professional and defence LTF cards) to ₹499 (HPCL ENERGIE, Entry cards) and ₹999–₹2,499 for premium cards (Premier, Tiara, Eterna). Most cards offer annual fee waiver on meeting minimum annual spend thresholds.

How to apply for a Bank of Baroda credit card: Visit bobcard.co.in or card24.ai, select your card, fill out the online form, complete e-sign, and complete Video-KYC. Alternatively, visit any Bank of Baroda branch.To check Bank of Baroda credit card status: Visit bobcard.co.in > Track Your Application, enter your application number.To unblock a Bank of Baroda credit card: Call BOBCARD customer care on 1800-103-1006 or SMS 'BLOCK XXXX' (last 4 digits) to 9223172141 from your registered mobile. Log in to the BOBCARD app or portal > Card Block/Unblock.To close a Bank of Baroda credit card: Contact BOBCARD customer care or submit a written request at any Bank of Baroda branch.

Frequently Asked Questions

Everything you need to know about BOBCARD credit cards.

Apply for a BOBCARD credit card online at bobcard.co.in or via card24.ai. Select your card, complete the online application form, finish the e-sign process, and complete Video-KYC. You can also apply offline at any Bank of Baroda branch. Standard processing is 7–10 working days. Existing BOB account holders may receive pre-approved offers through net banking.

BOBCARD credit card eligibility: 18–65 years of age, salaried or self-employed. Minimum income is approximately ₹3 lakh per annum for entry-level cards and ₹5–8 lakh for premium cards like ETERNA and TIARA. A CIBIL score of 750 or above is recommended. For the BOBCARD PRIME secured card, no income proof or credit score required - only a fixed deposit of ₹15,000 or more with Bank of Baroda.

Bank of Baroda credit card limit is determined by income, CIBIL score, existing liabilities, and card variant. Entry-level cards typically offer ₹50,000–₹1.5 lakh. Mid-tier cards like Premier offer ₹1.5–₹3 lakh. Premium cards like ETERNA and TIARA can offer ₹3–₹5 lakh or more for high-income applicants. Credit limit enhancement can be requested through the BOBCARD customer portal or by calling customer care after 6 months of good repayment history.

The best BOBCARD credit card depends on your spending profile. The BOBCARD ETERNA is the strongest overall card - unlimited domestic lounge access, 15X rewards on travel and dining, and lifestyle benefits worth up to ₹81,000 per year. For women, the BOBCARD TIARA adds a health package and brand vouchers. For mid-spenders, the BOBCARD PREMIER offers travel benefits at a lower fee. For fuel savings, the HPCL ENERGIE is the top pick. For credit beginners, the FD-backed BOBCARD PRIME requires no credit score.

BOBCARD credit card benefits span across: unlimited domestic lounge access (ETERNA, TIARA), high reward earn rates up to 15X on travel and dining (ETERNA, TIARA), professional benefits for ICAI/ICSI/ICMAI members (12 lounge visits/year, LTF), fuel cashback at HPCL (ENERGIE), Etihad Guest miles for airline travellers, women's health and lifestyle packages (TIARA), and FD-backed access for credit beginners (PRIME). All cards are backed by the Barodarewardz loyalty portal for point redemption.

To check your Bank of Baroda credit card application status, visit bobcard.co.in and click 'Track Your Application' under the Cards tab. Enter your application number to get an instant status update. You can also call BOBCARD customer care on 1800-103-1006 or 1800-225-100 (toll-free, 24/7) for a status update.

To unblock a Bank of Baroda credit card: (1) SMS 'BLOCK XXXX' (last 4 digits of card) to 9223172141 from your registered mobile to block immediately. To unblock, log in to the BOBCARD customer portal or mobile app, go to Menu > Card Block/Unblock. (2) Alternatively, call BOBCARD customer care on 1800-103-1006. (3) Visit any Bank of Baroda branch with your card and a valid photo ID.

To close a Bank of Baroda credit card, first ensure all outstanding dues are fully paid. Then submit a written closure request at any Bank of Baroda branch, or contact BOBCARD customer care on 1800-103-1006 to initiate the closure process. You will be asked to provide a reason for closure and confirm that there are no pending dues. Physical card destruction may also be required. Closure typically takes 7–10 working days after the request is processed.

Explore Credit Cards by Bank

Lifestyle, Dining & Everyday Rewards

Travel, Lounge & Air Miles

Premium Lifestyle & Privileges

Cashback, Shopping & Savings

Fuel & Utility Savings

Types of BOBCARD Credit Cards

BOBCARD Easy Credit Card

BOBCARD Tiara Credit Card

BOBCARD Premier Credit Card

BOBCARD Etihad Guest Premium Credit Card

BOBCARD Etihad Guest Credit Card

BOBCARD Eterna Credit Card

BOBCARD Snapdeal Credit Card

BOBCARD Cashback Credit Card

Which BOBCARD Credit Card Should You Choose?

About BOBCARD Credit Cards

Types of BOBCARD Credit Cards

Why Choose a BOBCARD Credit Card?

How to Choose the Right BOBCARD Credit Card

Fees, Interest Rates & How to Apply

Frequently Asked Questions