Bank of Baroda (BOBCARD) Credit Cards 2026
Bank of Baroda’s cards are issued by its subsidiary BOBCARD Ltd (formerly BOB Financial). Compare 5 cards by fees, rewards, lounge access and eligibility, plus customer care and bill payment details.
Card terms checked 30 September 2026Bank of Baroda (BOBCARD) credit cards
Best Bank of Baroda (BOBCARD) card by need
| Need | Card | Annual fee | Why |
|---|---|---|---|
| Rewards | BOBCARD Eterna | ₹2,499 | Online shopping, dining and travel spenders |
| Travel | BOBCARD Eterna | ₹2,499 | Online shopping, dining and travel spenders |
| Lounge access | BOBCARD Eterna | ₹2,499 | Online shopping, dining and travel spenders |
| Fuel | HPCL BOBCARD ENERGIE | ₹499 | HPCL fuel spenders |
| Shopping | BOBCARD Eterna | ₹2,499 | Online shopping, dining and travel spenders |
| Premium | BOBCARD Eterna | ₹2,499 | Online shopping, dining and travel spenders |
| RuPay on UPI | HPCL BOBCARD ENERGIE | ₹499 | HPCL fuel spenders |
Compare all Bank of Baroda (BOBCARD) cards
| Card | Joining / annual fee | Reward rate | Lounge | Forex markup | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| BOBCARD Eterna | ₹2,499 / ₹2,499 | 0.75% base value | Unlimited domestic (on Rs 40,000 spend in previous quarter per Paisab… | 2.00% | ₹2,250 |
| BOBCARD Tiara | ₹2,499 / ₹2,499 | 0.75% base value | Unlimited domestic on Rs 40,000 quarterly spend | 2.00% | ₹2,250 |
| BOBCARD Premier | ₹1,000 / ₹1,000 | 0.50% base value | 1 domestic per quarter on Rs 20,000 spend in previous quarter | 3.50% | ₹1,500 |
| HPCL BOBCARD ENERGIE | ₹499 / ₹499 | 0.33% base value | 1 domestic per quarter (max 4/yr) on Rs 20,000 quarterly spend | — | ₹990 |
| BOBCARD Easy | ₹500 / ₹500 | 0.20% base value | — | 3.50% | ₹600 |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Customer care
| Service | Number |
|---|---|
| Toll-free | 1800 2665 100 |
| Toll-free | 1800 2667 100 |
| 24x7 incl. lost card | 1800 103 1006 |
| 24x7 (MTNL/BSNL) | 1800 225 100 |
| Escalation | 022-69753600 |
Bill payment
- BOBCARD mobile app
- BOBCARD customer portal
- BOBCARD Insta Pay (debit card, net banking, UPI)
- BoB World / Bank of Baroda net banking
- BBPS apps
- Auto-debit (NACH) via BoB branch
Eligibility
| Criterion | Bank of Baroda (BOBCARD) |
|---|---|
| Age | 21-65 (primary), 18+ add-on |
| Income | Easy: Rs 3 lakh salaried / Rs 3.6 lakh self-employed; Premier/Tiara Rs 7.2 lakh; Eterna Rs 12 lakh |
| Documents | PAN, Aadhaar / address proof, Income proof (salary slips / ITR) |
Frequently asked questions
Which Bank of Baroda (BOBCARD) credit card is best?
It depends on how you spend. By base reward value, BOBCARD Eterna ranks first among the cards we track; for no fees, look for fee-waiver conditions. Use the comparison table and the value calculator on each card page.
What is the Bank of Baroda (BOBCARD) credit card customer care number?
Toll-free: 1800 2665 100; Toll-free: 1800 2667 100.
How do I pay my Bank of Baroda (BOBCARD) credit card bill?
BOBCARD mobile app; BOBCARD customer portal; BOBCARD Insta Pay (debit card, net banking, UPI).
What is the eligibility for a Bank of Baroda (BOBCARD) credit card?
Age 21-65 (primary), 18+ add-on. Income: Easy: Rs 3 lakh salaried / Rs 3.6 lakh self-employed; Premier/Tiara Rs 7.2 lakh; Eterna Rs 12 lakh.
Compiled from Bank of Baroda (BOBCARD)’s published card terms and reputable card-review sources (per-card source and date on each card page). FinancePortal is not affiliated with Bank of Baroda (BOBCARD).