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Verified 2026 Guide31 Cards Ranked

Best Bank of Baroda Credit Cards in India 2026

Every Bank of Baroda credit card compared on fees, real reward rates and lounge access. We compared 31 credit cards (including 13 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.

#1 Overall Top PickAnnual Fee: ₹5,000/yr
BOBCARD Etihad Guest Premium
Bank of Baroda

BOBCARD Etihad Guest Premium

Earn: 2x on other
20 Lounge Visits/yr

₹5,000/yr fee

Calculate Net Value & View Benefits
Showing 31 of 31 cardsRanked by Base Earn Rate & Net Value
#1

BOBCARD Etihad Guest Premium

BOBCARD Etihad Guest Premium

Annual Fee

₹5,000

Headline Rate

2x on other

₹5,000/yr fee
Lounge Points
#2

BOBCARD Premier

BOBCARD Premier

Annual Fee

₹1,000

Headline Rate

10x on dining

₹1,000/yr fee
Lounge Points
#3

BOBCARD Tiara

BOBCARD Tiara

Annual Fee

₹2,499

Headline Rate

15x on dining

₹2,499/yr fee
Lounge Points
#4

ICAI Exclusive BOBCARD

LTF
ICAI Exclusive BOBCARD

Annual Fee

Free

Headline Rate

5x on online

Lifetime free
Lounge Points
#5

Indian Army YODDHA BOBCARD

LTF
Indian Army YODDHA BOBCARD

Annual Fee

Free

Headline Rate

2x on other

Lifetime free
Lounge Points
#6

BOBCARD Vikram

LTF
BOBCARD Vikram

Annual Fee

Free

Headline Rate

5x on other

Lifetime free
Points
#7

Instant RuPay BOBCARD

LTF
Instant RuPay BOBCARD

Annual Fee

Free

Headline Rate

5 pts/₹100

Lifetime free
Points
RuPay❯❯
#8

BOBCARD Cashback

BOBCARD Cashback

Annual Fee

₹499

Headline Rate

5% on online

₹499/yr fee
Cashback
#9

BOBCARD Easy

BOBCARD Easy

Annual Fee

₹500

Headline Rate

1x on other

₹500/yr fee
Points
#10

BOBCARD Select

BOBCARD Select

Annual Fee

₹750

Headline Rate

5x on online

₹750/yr fee
Points
#11

Snapdeal BOBCARD

Snapdeal BOBCARD

Annual Fee

₹249

Headline Rate

2.5% on online

₹249/yr fee
Cashback
#12

BOBCARD Swavlamban

BOBCARD Swavlamban

Annual Fee

₹250

Headline Rate

4 pts/₹100

₹250/yr fee
Points
RuPay❯❯
#13

BOBCARD Eterna

BOBCARD Eterna

Annual Fee

₹2,499

Headline Rate

15x on online

₹2,499/yr fee
Lounge Points
#14

BOBCARD Etihad Guest

BOBCARD Etihad Guest

Annual Fee

₹2,500

Headline Rate

1x on other

₹2,500/yr fee
Lounge Points
#15

Indian Navy Varunah Premium BOBCARD

Indian Navy Varunah Premium BOBCARD

Annual Fee

₹2,499

Headline Rate

15x on travel

₹2,499/yr fee
Lounge Points
#16

BOBCARD Scapia

LTF
BOBCARD Scapia

Annual Fee

Free

Headline Rate

4x on travel

Lifetime free
Points
#17

HPCL Energie BOBCARD

HPCL Energie BOBCARD

Annual Fee

₹499

Headline Rate

1.33x on fuel

₹499/yr fee
Lounge Points
#18

BOBCARD Uni GoldX

LTF
BOBCARD Uni GoldX

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
Points
#19

BOBCARD One

LTF
BOBCARD One

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
Points
#20

BOBCARD Micro Enterprise

BOBCARD Micro Enterprise

Annual Fee

₹500

Headline Rate

1x on other

₹500/yr fee
Points
#21

BOBCARD Corporate

BOBCARD Corporate

Annual Fee

₹1,000

Headline Rate

1x on other

₹1,000/yr fee
Lounge Points
#22

BOBCARD Empower

BOBCARD Empower

Annual Fee

₹500

Headline Rate

1x on other

₹500/yr fee
Points
#23

ICSI Diamond BOBCARD

LTF
ICSI Diamond BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Points
#24

CMA One BOBCARD

LTF
CMA One BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Points
#25

Indian Coast Guard Rakshamah BOBCARD

LTF
Indian Coast Guard Rakshamah BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Lounge Points
#26

Assam Rifles The SENTINEL BOBCARD

LTF
Assam Rifles The SENTINEL BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Points
#27

BOBCARD Pragati

BOBCARD Pragati

Annual Fee

₹250

Headline Rate

5x on other

₹250/yr fee
Points
RuPay❯❯
#28

PM SVANidhi BOBCARD

LTF
PM SVANidhi BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Points
RuPay❯❯
#29

IRCTC BOBCARD

IRCTC BOBCARD

Annual Fee

₹350

Headline Rate

0.5 pts/₹100

₹350/yr fee
Points
#30

BOBCARD Prime

LTF
BOBCARD Prime

Annual Fee

Free

Headline Rate

0 pts/₹100

Lifetime free
Points
#31

Nainital Bank Renaissance BOBCARD

Nainital Bank Renaissance BOBCARD

Annual Fee

₹250

Headline Rate

1x on other

₹250/yr fee
Points
Base Earn Calculation: Represents ₹ value earned per ₹100 of everyday spend at standard earn rates before milestone or category multipliers. Real Net Annual Value depends on your exact monthly spend breakdown — use any card's detail page for full calculator.

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Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.