BOB SELECT Credit Card

The BOB Select Credit Card (now issued under BOBCARD) comes in the bank’s updated portfolio of slightly premium or specialized cards. It sits above beginner cards but not fully premium — you can call it entry-to-mid segment type.

The card is meant for users earning around ₹4.8 lakh annual income or more, so bank keeps it for stable salaried profiles rather than first-time applicants. Bank of Baroda refreshed many card variants around 2020–2021 period, and this Select card came as part of that upgraded lineup.

This Credit card is generally issued on the VISA network and focuses more on online shopping rewards and normal lifestyle usage. Unlike some other BOB cards which come on RuPay for UPI usage, the Select variant mainly runs on the VISA platform, so it behaves more like a standard online shopping and payments credit card rather than a QR-scan daily payment card.

Is the BOBCard Select VISA Credit Card is Lifetime Free?

At present, the BOB Select Credit Card is being offered as a Lifetime Free (LTF) card for applications submitted on or before 31 March 2026.

That means if your application gets approved within this offer period, both the joining fee and future annual fees are waived permanently. After the campaign ends, the bank may restore normal annual charges, so the LTF benefit depends on approval during the offer window only.

Top 10 Key Points: Select Card Reward Points & Redemption Benefits

This card is mainly kept for people who spend online and dine regularly. The bank made the reward system simple — you spend, collect points, and you adjust the bill later as cashback.

1. Accelerated 5X Reward Points

You earn 5 reward points for every ₹100 spent on online shopping and dining transactions. This is the main earning category of the card.

2. Monthly Capping on 5X Points

These 5X Bonus rewards are limited and capped at 1,000 points per statement cycle. After reaching the cap, further spending in the same month earns only normal base rewards. means, only 1 Reward.

3. Core Reward Points

All other eligible spending categories earn 1 reward point per ₹100. But this 1 Reward does not work in rent payments, tuition fees, fuel, wallet recharge, or insurance.

4. SmartDeal Travel Multipliers

Hotel bookings through the BOBCARD SmartDeal portal earn up to 10X points, and flight bookings earn 4X points. You can visit here – https://www.bobcard.co.in/credit-card-offers

5. Reward Value

Each of your reward points is worth ₹0.20 when redeemed as cashback, which means points convert into bill reduction.

6. Direct Cashback Redemption

You can convert reward points into cashback, and the amount is adjusted directly in your outstanding credit card statement. like BOB Snapdeal Card, you can redeem for cashback directly using the BOB Card Mobile app.

7. Redemption via Catalogue

Apart from cashback, you can also redeem points for shopping vouchers or products available in the BOBCARD rewards catalogue.

8. Minimum Redemption Threshold

From July 2025, as per the BOB New policy, you will need at least 1,000 reward points to redeem them. The process is simple; you can use a BOB card for that.

9. Reward Exclusions

Your reward points can be earned at Fuel transactions and ATM cash withdrawals.

10. Redemption Channels

Redemption is not automatic. You must manually redeem points through the BOBCARD mobile app or customer portal.

What are the Additional Features (Explained Simply)

1. Personal Accident Insurance Cover: You automatically get protection cover. If something serious happens, the family gets ₹15 lakh (air accident) or ₹5 lakh (non-air). You may never use it, but honestly, this safety feels reassuring.
2. Zero Lost Card Liability: If card is lost and you inform the bank quickly (within 24 hours), fraud after that is not your problem. Unlike debit cards, here bank usually handles the loss.
3. Fuel Surcharge Waiver: While filling petrol ₹400–₹5,000, 1% surcharge gets reversed (up to ₹250 monthly). Not huge savings, but regular riders actually notice it over months.
4. Smart EMI Conversion: Big purchase above ₹2,500 you can convert into EMI. So instead of paying one time, you spread payment monthly. Good for phone, fridge, or laptop purchases.
5. Interest-Free Period: You get about 50 days to pay. If you clear full bill, no interest at all. But if you miss, charges start — so timing matters here.
6. Free Add-on Cards: You can give card to spouse or parents (18+). Same limit is shared. Useful in family usage, but you still control the payments.
7. Revolving Credit Option: The bank allows a minimum payment only, so pressure reduces that month. But there is an interest that applies.
8. Contactless Tap-and-Pay: Just tap the card up to ₹5,000 — no PIN needed. Faster than cash sometimes, especially at supermarkets.
9. Merchant Offers & Discounts: Bank keeps giving small offers on food apps and shopping sites. Not fixed every time, but you’ll often see 10–20% instant discount campaigns running till 31 March 2026.

Check the Card Charges, Do’s & Don’ts

1. Main Fees & Charges

Overall find – Card is cheap if you pay properly. Costly only when you delay payment or withdraw cas

2. What You SHOULD Do (Best Usage)

• Use for online & dining mostly = This is where the card actually performs. You get 5X rewards, unlike normal offline swipes.
• Make at least 5 transactions of ₹1,000+ monthly = Helps unlock extra 1,000 bonus points. Many users miss this small condition.
• Book travel through SmartDeal portal = Hotels and flights there give much higher rewards than normal booking apps.
• Always pay full bill before due date = You then enjoy around 50 days interest-free credit. Basically you used bank money free.
• Use add-on cards smartly = Family can use, but you track spending from app so bill shock won’t happen.

3. What You SHOULD NOT Do (Important Mistakes to Avoid)

• Don’t withdraw cash from ATM = Fee applies instantly and interest starts the same day. This is the fastest way to make the card expensive.
• Don’t pay only the minimum due = Bank allows it, but then 45% yearly interest starts. Many new users fall into this trap.
• Don’t expect fuel rewards = You get surcharge waiver, okay, but no reward points on petrol transactions.
• Don’t do frequent rent or wallet loads = 1 OR 2% processing fee applies. People use card for rent thinking free — actually not.
• Don’t redeem tiny points repeatedly = Wait until about 1,000 points. Then redemption feels meaningful and cleaner in statement.

Practical Tip: Treat this card like a monthly payment tool, not a loan. If you clear the full bill every cycle, you enjoy rewards. If you start revolving balance, the same card becomes expensive very quickly.

BOBCARD SELECT Credit Card — Eligibility & Application

Below is the real requirement check. Bank mainly looks at income + credit history + age before approval.

1. Eligibility Criteria

• Minimum Income: ₹4.8 lakh yearly required
• Credit Score: Around 750+ CIBIL preferred
• Salaried Age: 21 to 60 years
• Self-Employed Age: 24 to 65 years
• Students OR Housewives: Primary card normally not allowed without personal income
• But they can take an add-on card (18+) under a family member
• Some cases bank may offer an FD-backed secured card instead

So basically, this card is not a beginner card —the bank wants a stable earning profile.

2. Card-to-Card & Credit Limit

• Having another credit card (6+ months old) improves chances
• A higher existing limit helps during manual verification
• The bank may still ask for salary slips or ITR (Optional, if the credit score is high)

• Entry cards may start ~₹25,000 and goes To 3 Lakh.
• SELECT usually starts higher depending on the profile
• The final limit is fully decided by the bank underwriting

3. Application Process (Digital)

The process is mostly online and quick.

• Fill online application form
• Aadhaar OTP e-sign verification
• Video-KYC with a bank executive

Normally, no branch visit is required unless verification fails.

4. Applying via Easemoney (Eligibility Check)

If applying through Easemoney or a similar platform:

• First, a soft eligibility check happens (no CIBIL impact)
• You see the approval probability
• Then you get redirected to the official BOBCARD website for final submission

Important: Always complete KYC only on the official domain (bobcard / bobfinancial). That is where final approval and verification actually happen.

FAQs