Home / BOB Select Credit Card Credit Card Review
BOB Select Credit Card Review
The bob select credit card - formally the BOBCARD Select Credit Card issued by Bank of Baroda - is an entry-level rewards card designed for online shoppers and dining enthusiasts. It earns 5 reward points per ₹100 on online purchases and dining (capped at 1,000 RP/month), 1 RP per ₹100 on other spends, and redeems points as direct statement cashback at ₹0.20/RP. Annual fee ₹750, waived at ₹70,000 annual spend. Available on Visa and RuPay (BOB RuPay Select credit card) variants. No airport lounge access.
3
/5
Card24 Score
Rewards 2.9
Travel 1
Fees 2
Last reviewed July 2026 · Card24.ai editorial team
Annual Fee
₹750*
Earn Rate
5 RP*
Lounge Access
No airport lounge access*
RuPay Variant
Available in Visa and RuPay variants*
Credit Card Verdict BOB Select
What we like
- The bob select credit card's dual fee waiver structure is genuinely accessible. Spend ₹7,500 in the first 60 days - less than ₹4,000/month - and the ₹750 joining fee is reversed. Spend ₹70,000 in the anniversary year - ₹5,833/month - and the annual fee is reversed too. For any regular online shopper or dining cardholder, both thresholds are realistic from day one. The welcome 500 RP (₹100 cashback) on ₹5,000 spend within 60 days adds further first-year value.
- The BOB RuPay Select variant extends reward earning to UPI transactions via Google Pay and PhonePe - capturing 5 RP per ₹100 on online UPI spends including food delivery app QR payments and e-commerce that supports UPI credit card. For digital-first spenders who pay via UPI at restaurants and online stores, this variant closes the reward gap that Visa/Mastercard miss on UPI payments.
- Cashback is credited directly to the card statement - no redemption portal, no voucher selection, no minimum redemption threshold friction. At month-end, accumulated reward points convert automatically to statement credit at ₹0.20/RP. This is simpler than most reward cards in the entry-level tier where redemption processes create unnecessary friction.
- The BOBCARD SmartDeal travel portal unlocks 10X extra reward points on flight bookings - significantly higher than the base 5 RP/₹100 online earn. For cardholders who book flights regularly, routing all travel through SmartDeal maximises RP accumulation. Verify the exact SmartDeal earn structure and participating airlines at bobcard.co.in before booking.
Watch out for
- The 1,000 RP/month cap on the 5 RP/₹100 earn means maximum accelerated cashback is ₹200/month (1,000 × ₹0.20) regardless of online and dining spend. This cap is reached at ₹20,000 in online + dining monthly spend. Any spend above ₹20,000/month in these categories earns only 1 RP/₹100 (0.2%). Heavy online shoppers spending ₹30,000–₹50,000/month will hit this ceiling quickly.
- The exclusion list is extensive and covers many everyday spending categories: supermarkets and convenience stores, fast food restaurants, wallets (Paytm, PhonePe top-ups), education payments, hospital/medical bills, insurance premiums, rent, government services, utilities, and fuel all earn 0 RP. Cardholders whose primary spend is in these categories will earn almost nothing beyond the 1% fuel surcharge waiver.
- No airport lounge access - at any spend level. Multiple sources online incorrectly state that this card provides 1 domestic lounge visit. This is not confirmed by bobcard.co.in or any verified aggregator. Do not apply expecting lounge access. For lounge access from a BOBCARD product, consider BOBCARD Eterna (unlimited domestic with ₹40,000 quarterly spend) or BOBCARD Premier.
- The LTF (lifetime free) promotion ended March 31, 2026. New applicants from April 2026 onwards pay the standard ₹750 joining fee and must spend ₹7,500 within 60 days to have it reversed. The fee reversal is then reflected in the 4th billing statement - not immediately. Plan spending from day one to ensure the ₹7,500 threshold is crossed within the 60-day window.
Card24.ai review based on bobcard.co.in + verified sources August 2026. 5 RP/₹100 on online + dining capped at 1,000 RP/month. RP value ₹0.20 = 1% effective return max ₹200/month. No airport lounge access. LTF offer ended March 31, 2026 - standard ₹750 fee applies. Exclusion categories include supermarkets, wallets, fast food, fuel, education, insurance. Verify at bobcard.co.in/mitc.
Credit Card Achievers BOB Select
Is the BOB Select Credit Card Worth ₹750 a Year?
The bob select credit card is worth ₹750/year for regular online shoppers and dining spenders who want automatic cashback without redemption friction. At ₹10,000/month in online + dining spend, the card earns 500 RP = ₹100/month in statement cashback - recovering the ₹750 annual fee in 7.5 months. The joining fee reversal (₹7,500 in 60 days) and annual fee waiver (₹70,000/year) make the card effectively free for active users from Year 2.
The card earns well within its ₹20,000/month online + dining ceiling (where 5 RP/₹100 applies). Beyond ₹20,000, it drops to 0.2% - making it a poor choice for heavy spenders. The exclusion list - supermarkets, wallets, fast food, education, insurance - means a significant portion of most households' monthly spend earns 0 RP. The BOB Select is best suited to a narrow use case: ₹5,000–₹15,000/month on traditional online shopping platforms and dining out, nothing else.
For online shoppers who want stronger returns beyond the ₹200/month ceiling, BOBCARD Cashback delivers 5% on all online spends with no merchant restrictions and no monthly cap at ₹499/year: https://www.card24.ai/bobcard/cashback-credit-card-review. For BOBCARD users who also want lounge access, BOBCARD Eterna offers unlimited domestic lounge with accelerated rewards at ₹2,499/year.
The card earns well within its ₹20,000/month online + dining ceiling (where 5 RP/₹100 applies). Beyond ₹20,000, it drops to 0.2% - making it a poor choice for heavy spenders. The exclusion list - supermarkets, wallets, fast food, education, insurance - means a significant portion of most households' monthly spend earns 0 RP. The BOB Select is best suited to a narrow use case: ₹5,000–₹15,000/month on traditional online shopping platforms and dining out, nothing else.
For online shoppers who want stronger returns beyond the ₹200/month ceiling, BOBCARD Cashback delivers 5% on all online spends with no merchant restrictions and no monthly cap at ₹499/year: https://www.card24.ai/bobcard/cashback-credit-card-review. For BOBCARD users who also want lounge access, BOBCARD Eterna offers unlimited domestic lounge with accelerated rewards at ₹2,499/year.
Best For: Online shoppers and dining spenders in the ₹5,000–₹15,000/month range who want automatic statement cashback from Bank of Baroda's entry-level rewards card at ₹750/year with easy fee waivers.
BOB Select Credit Card Benefits
How to Get Maximum Value from BOB Select Credit Card
Spend ₹7,500 in First 60 Days to Reverse Joining Fee - The ₹750 joining fee reversal requires ₹7,500 in spend within the first 60 days of card issuance. This is easily achievable by routing one month of online shopping and dining through the card from activation. Plan a specific purchase - a Amazon order, Myntra haul, or restaurant bill - within the first week to ensure the threshold is crossed well within the 60-day window. The reversal appears in the 4th billing statement, not immediately.
Switch to RuPay Variant for UPI Food Delivery Earning - If you pay for Swiggy, Zomato, or restaurant bills via UPI on your phone, the Visa variant of this card earns 0 RP on those transactions. Switch to the BOB RuPay Select variant, link it as a UPI credit card on Google Pay or PhonePe, and earn 5 RP/₹100 on eligible UPI food orders. This single change can add ₹30–₹60/month in additional cashback for a regular food delivery user.
Book Flights via SmartDeal for 10X Extra RP - Route all flight bookings through the BOBCARD SmartDeal portal (accessible via bobcard.co.in or the BOBCARD app) to earn 10X extra reward points per ₹100 on flight spend. Compare SmartDeal fares against other platforms before booking - always book through SmartDeal when pricing is within 3–5% of alternatives to maximise the RP uplift.
Avoid Using This Card at Supermarkets and for Wallets - Supermarkets, convenience stores, fast food restaurants, and wallet top-ups all earn 0 RP on this card - not even the 1 RP/₹100 base rate. Using this card at BigBazaar, DMart, McDonald's, or for Paytm/PhonePe wallet loads generates zero reward value. Keep a separate card for these categories and reserve this card strictly for traditional online shopping and dining at sit-down restaurants.
Hit ₹70,000 Annual Spend for Zero Annual Fee from Year 2 - At ₹5,833/month across all eligible card transactions, the ₹70,000 annual threshold triggers the fee reversal for the following year. Track cumulative annual spend in the BOBCARD app. If approaching the anniversary date with spend below ₹70,000, route one large online purchase - electronics, furniture, or a flight booking via SmartDeal - to cross the threshold before the anniversary.
Switch to RuPay Variant for UPI Food Delivery Earning - If you pay for Swiggy, Zomato, or restaurant bills via UPI on your phone, the Visa variant of this card earns 0 RP on those transactions. Switch to the BOB RuPay Select variant, link it as a UPI credit card on Google Pay or PhonePe, and earn 5 RP/₹100 on eligible UPI food orders. This single change can add ₹30–₹60/month in additional cashback for a regular food delivery user.
Book Flights via SmartDeal for 10X Extra RP - Route all flight bookings through the BOBCARD SmartDeal portal (accessible via bobcard.co.in or the BOBCARD app) to earn 10X extra reward points per ₹100 on flight spend. Compare SmartDeal fares against other platforms before booking - always book through SmartDeal when pricing is within 3–5% of alternatives to maximise the RP uplift.
Avoid Using This Card at Supermarkets and for Wallets - Supermarkets, convenience stores, fast food restaurants, and wallet top-ups all earn 0 RP on this card - not even the 1 RP/₹100 base rate. Using this card at BigBazaar, DMart, McDonald's, or for Paytm/PhonePe wallet loads generates zero reward value. Keep a separate card for these categories and reserve this card strictly for traditional online shopping and dining at sit-down restaurants.
Hit ₹70,000 Annual Spend for Zero Annual Fee from Year 2 - At ₹5,833/month across all eligible card transactions, the ₹70,000 annual threshold triggers the fee reversal for the following year. Track cumulative annual spend in the BOBCARD app. If approaching the anniversary date with spend below ₹70,000, route one large online purchase - electronics, furniture, or a flight booking via SmartDeal - to cross the threshold before the anniversary.
BOB Select Credit Card Annual Fees
| Joining / Annual Fee | ₹750* |
| Earn - Online + Dining | 5 RP* |
| Earn - SmartDeal | 10X* |
| Earn - Base | 1 RP* |
| RP Value + Redemption | ₹0.20 per RP* |
| Welcome | 500 RP* |
| Fuel Surcharge Waiver | 1% on ₹400–₹5,000 at all fuel stations | Max ₹250/cycle | 0 RP on fuel | GST not reversed |
| Forex Markup | 3.5% on international transactions |
| Cash Advance | 2.5% or ₹300 (whichever higher) |
| Network | Visa + RuPay (BOB RuPay Select) | RuPay: UPI credit card payments via Google Pay/PhonePe |
BOB Select Credit Card Eligibility & Documents
Age 21–65 years (primary cardholder) | 18+ years (add-on cardholder)
Minimum annual income Minimum ₹4,80,000 annual income (₹40,000/month) | Bank statement reflecting salary credit for last 2 months (+ salary slips if submitted)
Documents required PAN card (mandatory) | Recent passport-size photograph | Permanent address proof: Aadhaar (both sides), Voter ID, Passport, Driving Licence, NREGA Job Card, or NPR letter | If present address differs from permanent - additional proof required
Residency Indian Resident
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for BOB Select Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Visit bobcard.co.in → Credit Cards → BOBCARD Select → Apply Now - Alternatively, apply via the BOBCARD mobile app. Select your preferred network variant: Visa or RuPay (for UPI credit card payments).
2
Fill in the online application form - Personal details, income information, and PAN number. Minimum annual income required: ₹4,80,000 (salaried or self-employed). Upload or verify PAN as prompted.
3
E-sign the application using Aadhaar OTP - Complete Video KYC via the app or web browser - keep PAN card and Aadhaar handy. Upload address proof if present address differs from Aadhaar address.
4
Application reviewed by BOBCARD credit team. - Approval typically within 3–7 working days. Status tracked at bobcard.co.in → Track Application.
5
Card delivered within 7–15 working days - Activate via BOBCARD app. Spend ₹7,500 within the first 60 days to trigger joining fee reversal in 4th billing statement. Spend ₹5,000 within 60 days to earn 500 welcome reward points.
*T&C Apply
Frequently Asked Questions
The bob select credit card (BOBCARD Select) is an entry-level rewards credit card from Bank of Baroda designed for online shoppers and dining enthusiasts. It earns 5 RP per ₹100 on online purchases and dining (capped at 1,000 RP/month = ₹200 cashback), 1 RP/₹100 on other eligible spends, and redeems all points as statement cashback at ₹0.20/RP. Annual fee ₹750, waived on ₹70,000 annual spend. Available on Visa and RuPay variants. No airport lounge access.
Key benefits: (1) 5 RP/₹100 online + dining = 1% cashback (capped ₹200/month). (2) 10X extra RP on SmartDeal flights. (3) RuPay variant: UPI credit card payments via Google Pay/PhonePe. (4) Welcome: 500 RP on ₹5,000 spend in 60 days. (5) Joining fee reversed: ₹7,500 in 60 days. (6) Annual fee reversed: ₹70,000/year. (7) 1% fuel surcharge waiver (max ₹250/cycle). (8) No lounge access. Annual fee ₹750.
No - the BOB Select Credit Card does not provide airport lounge access, domestic or international. Some third-party sources incorrectly claim 1 domestic lounge visit - this is not confirmed by bobcard.co.in. If lounge access is a priority, consider BOBCARD Eterna (unlimited domestic lounge with ₹40,000 quarterly spend condition) or BOBCARD Premier.
Joining and annual fee: ₹750 + GST each. Joining fee reversed when ₹7,500 is spent within the first 60 days of card issuance - reversal credited in 4th billing statement. Annual renewal fee reversed when ₹70,000 is spent in the preceding card anniversary year. LTF offer ended March 31, 2026 - standard fee now applies to all new applications.
The BOB RuPay Select credit card is the RuPay network variant of the BOBCARD Select. It enables UPI credit card payments via Google Pay and PhonePe - earning reward points on eligible UPI transactions at online merchants, food delivery apps, and restaurants. The Visa variant provides global acceptance. Both carry identical benefits, earn rates, and fees. Choose RuPay if you primarily pay via UPI; choose Visa for international use (though the 3.5% forex markup applies regardless).
No fixed published credit limit for the BOB Select Card - BOBCARD assigns limits individually based on income, CIBIL score, and credit assessment. With a minimum income requirement of ₹4.8L annual (₹40,000/month), typical starting limits range from ₹50,000 to ₹1,50,000. Check your assigned limit in the BOBCARD mobile app after card activation.