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Verified 2026 Guide29 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 29 credit cards (including 24 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.

#1 Overall Top PickLifetime Free (₹0 Fee)
BOBCARD Etihad Guest Premium
Bank of Baroda

BOBCARD Etihad Guest Premium

Earn: 2x on other
20 Lounge Visits/yr

Lifetime free

Calculate Net Value & View Benefits
Showing 29 of 29 cardsRanked by Base Earn Rate & Net Value
#1

BOBCARD Etihad Guest Premium

LTF
BOBCARD Etihad Guest Premium

Annual Fee

Free

Headline Rate

2x on other

Lifetime free
Lounge Points
#2

BOBCARD Premier

LTF
BOBCARD Premier

Annual Fee

Free

Headline Rate

10x on dining

Lifetime free
Lounge Points
#3

BOBCARD Tiara

LTF
BOBCARD Tiara

Annual Fee

Free

Headline Rate

15x on dining

Lifetime free
Lounge Points
#4

BOBCARD Easy

LTF
BOBCARD Easy

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
Points
#5

BOBCARD Select

LTF
BOBCARD Select

Annual Fee

Free

Headline Rate

5x on online

Lifetime free
Points
#6

ICAI Exclusive BOBCARD

LTF
ICAI Exclusive BOBCARD

Annual Fee

Free

Headline Rate

5x on online

Lifetime free
Lounge Points
#7

Indian Army YODDHA BOBCARD

LTF
Indian Army YODDHA BOBCARD

Annual Fee

Free

Headline Rate

2x on other

Lifetime free
Lounge Points
#8

BOBCARD Vikram

LTF
BOBCARD Vikram

Annual Fee

Free

Headline Rate

5x on other

Lifetime free
Points
#9

Instant RuPay BOBCARD

LTF
Instant RuPay BOBCARD

Annual Fee

Free

Headline Rate

5 pts/₹100

Lifetime free
Points
RuPay❯❯
#10

BOBCARD Cashback

BOBCARD Cashback

Annual Fee

₹499

Headline Rate

5% on online

₹499/yr fee
Cashback
#11

Snapdeal BOBCARD

Snapdeal BOBCARD

Annual Fee

₹249

Headline Rate

2.5% on online

₹249/yr fee
Cashback
#12

BOBCARD Eterna

BOBCARD Eterna

Annual Fee

₹2,499

Headline Rate

15x on online

₹2,499/yr fee
Lounge Points
#13

BOBCARD Etihad Guest

LTF
BOBCARD Etihad Guest

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
Lounge Points
#14

BOBCARD Scapia

LTF
BOBCARD Scapia

Annual Fee

Free

Headline Rate

4x on travel

Lifetime free
Points
#15

HPCL Energie BOBCARD

HPCL Energie BOBCARD

Annual Fee

₹499

Headline Rate

1.33x on fuel

₹499/yr fee
Lounge Points
#16

BOBCARD Uni GoldX

LTF
BOBCARD Uni GoldX

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
Points
#17

BOBCARD One

LTF
BOBCARD One

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
Points
#18

BOBCARD Micro Enterprise

LTF
BOBCARD Micro Enterprise

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
Points
#19

BOBCARD Corporate

LTF
BOBCARD Corporate

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
Lounge Points
#20

BOBCARD Empower

LTF
BOBCARD Empower

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
Points
#21

ICSI Diamond BOBCARD

LTF
ICSI Diamond BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Points
#22

CMA One BOBCARD

LTF
CMA One BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Points
#23

Indian Navy Varunah BOBCARD

LTF
Indian Navy Varunah BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Lounge Points
#24

Indian Coast Guard Rakshamah BOBCARD

LTF
Indian Coast Guard Rakshamah BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Lounge Points
#25

Assam Rifles The SENTINEL BOBCARD

LTF
Assam Rifles The SENTINEL BOBCARD

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Points
#26

BOBCARD Pragati

BOBCARD Pragati

Annual Fee

₹250

Headline Rate

5x on other

₹250/yr fee
Points
RuPay❯❯
#27

IRCTC BOBCARD

LTF
IRCTC BOBCARD

Annual Fee

Free

Headline Rate

0.5 pts/₹100

Lifetime free
Points
#28

BOBCARD Prime

LTF
BOBCARD Prime

Annual Fee

Free

Headline Rate

0 pts/₹100

Lifetime free
Points
#29

Nainital Bank Renaissance BOBCARD

LTF
Nainital Bank Renaissance BOBCARD

Annual Fee

Free

Headline Rate

1x on other

Lifetime free
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.