BOBCARD, the credit card arm of Bank of Baroda, ranks as India’s 8th largest credit card issuer, with over 31.7 lakh active customers as of April 2026. The company aims to break into the top 5 players by 2027 by offering a diverse portfolio of cards. Many BOBCARD credit cards are available with Lifetime Free (LTF) offers until at least March 31, 2026, making them attractive options for various spending needs.
| Option | Annual Cost / Fee (₹) | Key Benefit / Rate | Best For |
|---|---|---|---|
| BOBCARD Cashback Credit Card | Low fee | Pure-play cashback, no reward points to track | Online cashback, no redemption hassles |
| BOBCARD Eterna Credit Card | ₹2,499 (regular), Lifetime Free (LTF offer) | Upto 3.75% return on online and travel spends, unlimited domestic airport lounge access, 2% forex markup | Everyday spends (if LTF), online spending (not exceeding ₹40,000/month), frequent travelers and high spenders |
| BOBCARD Etihad Guest Premium Credit Card | Limited Period Lifetime Free Card Offer | 15,000 miles on spending ₹75,000 within 60 days, Etihad Guest Gold tier status, 0% forex markup on international transactions, accelerated miles, elite tier upgrades, luxurious lounges | Travel and Etihad flyers, global citizens who see travel as a lifestyle |
| BOBCARD Select Credit Card | ₹750 (joining and annual fees, waivable), Lifetime Free (until March 31, 2026, under promotion) | Lifetime Free offer until March 31, 2026 | Users looking for a mid-tier card with a Lifetime Free option |
| BOBCARD Premier Credit Card | Lifetime Free (under promotion) | Lifetime Free RuPay credit card, significantly lower reward rate than Eterna | UPI payments and occasional sale discounts |
| BOBCARD Easy Credit Card | Lifetime Free (under promotion) | Lifetime Free offer | Entry-level users, adding a card at no extra cost |
| BOBCARD TIARA Credit Card | Not specified | Exclusive rewards and thoughtful benefits | Modern women, empowering and celebrating their journey |
| BOBCARD EMPOWER Credit Card | Not specified | Up to 50 Days Interest Free Credit Period, exclusive privileges and superior benefits | Proprietors and Self-Employed segment to manage business expenses |
| BOBCARD Uni GoldX | Not specified | 1% value back, 5% value back on Uni store purchases (in Uni Coins) | Uni store purchases |
| BOBCARD Corporate Credit Cards | Lifetime Free | Personal Accidental Death Cover, revolving credit facility | New and existing business efforts, Limited or Partnership firms, Government companies with specific financial criteria |
| Indian Army BOBCARD Yoddha Credit Card | Zero | 1% fuel surcharge waiver | Indian Army personnel |
| Varunah Card | Lifetime free | Not specified | Specific user segments (details not specified) |
| Varunah Plus | Nominal | Not specified | Specific user segments (details not specified) |
| Varunah Premium | Nominal | Not specified | Specific user segments (details not specified) |
| Bank of Baroda Secured Credit Card | Fixed deposit as small as ₹5,000 to ₹10,000 | Credit card against fixed deposit | Individuals with limited credit history or those building credit |
The BOBCARD portfolio for 2026 offers a range of options, from cashback-focused cards like the BOBCARD Cashback to premium travel cards such as the BOBCARD Etihad Guest Premium, catering to diverse consumer needs.
BOB Credit Card Fees, Charges & Interest Rates
BOBCARD offers a range of credit cards with varying fee structures, including several lifetime free (LTF) options available until March 31, 2026. Regular annual fees can go up to ₹2,499 for premium cards like BOBCARD Eterna, often waived based on annual spending thresholds. Interest rates and specific charges like forex markup also differ by card type, with some cards offering 0% forex markup on international transactions.
| Option | Upfront / Joining Cost (₹) | Ongoing / Annual Cost (₹) | Interest / Charges (%) |
|---|---|---|---|
| BOBCARD Cashback | Waived (Limited-time LTF offer until March 31, 2026) | Waived (Limited-time LTF offer until March 31, 2026) | Not specified |
| BOBCARD Eterna | Waived (Limited-time LTF offer until March 31, 2026) | 2,499 (Waived on spending ₹2.5 lakh in a year) | 2% (Forex markup fee) |
| BOBCARD Etihad Guest Premium | Lifetime Free (Limited Period Offer) | Not specified | 0% (Forex markup on international transactions) |
| BOBCARD Select | 750 (Waived under LTF promotion until March 31, 2026) | 750 (Waived under LTF promotion until March 31, 2026, or based on spending milestones) | Not specified |
| BOBCARD Premier | Waived (Limited-time LTF offer until March 31, 2026) | Not specified (Waived on spending ₹1.2 lakh or more in a year) | 3.5% + GST (Forex markup fee) |
| BOBCARD Easy | Waived (Spend ₹6,000 in the first 60 days) | Not specified (Waived on spending ₹35,000 in every card anniversary year) | Not specified |
| BOBCARD Corporate Premium | Lifetime Free | Lifetime Free | Not specified |
| Indian Army BOBCARD Yoddha Credit Card | Zero | Zero | 1% (Fuel surcharge waiver) |
| Varunah Card | Lifetime Free | Lifetime Free | Not specified |
| Varunah Plus | Nominal | Nominal | Not specified |
| Varunah Premium | Nominal | Nominal | Not specified |
| Bank of Baroda Secured Credit Card | Not specified | Not specified | Not specified (Requires fixed deposit of ₹5,000-₹10,000) |
| Bank of Baroda Credit Card (Cheque Return Fee) | Not applicable | Not applicable | Minimum ₹300 or 2% (whichever is higher) |
| Bank of Baroda Signature Visa Credit Card (Cheque Return Fee) | Not applicable | Not applicable | Minimum ₹500 or 2.5% (whichever is higher) |
| Bank of Baroda Credit Card (De-blocking Fee) | Not applicable | ₹300 | Not applicable |
| IRCTC BOB Credit Card (Fuel Surcharge Waiver) | Not applicable | Not applicable | 1% (on transactions ₹500-₹3,000, waiver limit ₹100/cycle) |
| IRCTC BoB RuPay Credit Card (Fuel Surcharge Waiver) | Not applicable | Not applicable | 1% |
Many BOBCARD credit cards offer limited-time lifetime free (LTF) promotions, particularly for new cardholders applying before March 31, 2026, which can significantly reduce annual costs.
Key Benefits, Rewards & Features Across BOBCARD
BOBCARD offers a diverse portfolio of credit cards in India, catering to various spending needs with exclusive deals and reward programs. As of April 2026, BOBCARD serves over 31.7 lakh active credit card customers, making IT the second-largest public sector bank in credit card issuance (Source: RBI reports).
- Lifetime Free Offers: Select BOBCARD credit cards, including the BOBCARD Select, are available with a Lifetime Free (LTF) offer until March 31, 2026, waiving both joining and annual fees.
- Accelerated Reward Points: Cards like BOBCARD Premier offer accelerated rewards on travel, dining, and international spends, value for frequent users.
- Cashback Benefits: The BOBCARD Cashback Credit Card provides instant value back on every transaction, with up to 3.75% return on online and travel spends for cards like Eterna.
- Travel Privileges: Premium cards such as BOBCARD Eterna and BOBCARD Etihad Guest Premium offer complimentary domestic airport lounge access and accelerated miles for travel redemptions.
- Interest-Free Credit Period: Most BOBCARD credit cards provide an interest-free credit period of up to 50 days, offering financial flexibility for purchases.
- EMI Conversion Option: Cardholders can convert purchases of more than ₹2,500 into convenient EMIs with tenures ranging from 6 to 36 months.
- d Security: BOBCARD credit cards support contactless transactions via NFC-enabled POS machines and offer strong security features for safe usage.
- UPI Integration: RuPay variant BOBCARD credit cards support UPI payments, allowing seamless digital transactions directly from the credit card.
- Corporate Card Benefits: BOBCARD Corporate credit cards offer stable financial protection, 500 reward points on ₹5,000 spend, and air accident death cover of ₹1 crore.
- Exclusive Co-branded Cards: BOBCARD partners with entities like IRCTC and Etihad Guest to offer co-branded cards with tailored benefits for specific user segments, such as travel.
These features position BOBCARD as a strong contender for various consumer segments, from entry-level users to premium travelers and business professionals.
BOB Credit Card Eligibility & Documents
To apply for a Bank of Baroda (BOB) credit card in India, applicants must generally be between 18 and 65 years of age, depending on the specific card variant. A CIBIL score of 700 or above is typically preferred for easier approval, alongside stable income proof.
| Criteria | Requirement |
|---|---|
| Age (Primary Cardholder) | 18 to 65 years (varies by card; 21-65 for most salaried/self-employed cards) |
| Age (Add-on Cardholder) | 18 years or older |
| Residential Status | Indian Resident |
| Employment Status | Salaried or Self-Employed individual |
| Minimum CIBIL Score | 700+ (recommended for better approval chances) |
| Documents (General) | Passport size photograph, Identity Proof (e.g., PAN Card, Aadhaar Card, Voter ID, Passport, Driving Licence), Address Proof |
| Documents (Salaried) | Bank Statement reflecting salary credit for last 2 months, Latest Salary Slips (usually 2-3 months) |
| Documents (Self-Employed) | Bank Statement (PDF format) reflecting business transactions for last 3 months, Latest ITR copy, Audited Balance Sheet and P&L for last 3 years (for some cards) |
| Documents (BOB Corporate Premium Credit Card) | Limited or Partnership firm or Government company, Paid-up capital of at least ₹25 Lakhs, Net Worth of at least ₹50 Lakhs, Credit facility of at least ₹1 crore, BOB rating of 6 and above |
| Documents (Partnership Company) | Partnership Deed |
| Documents (Company) | Memorandum of Association, Articles of Association, Board Resolution |
| Documents (BOB Easy Credit Card – Private Employees) | Personal account with BOB, Latest Form 16 or ITR copy |
| Documents (BOB Vikram Credit Card) | Aadhar card, PAN card, Income proof, Employment details |
| Documents (BOBCARD Student Credit Card) | 18+ years, enrolled in a recognised educational institution, with a parent guarantor or secured by a fixed deposit |
Specific age and income requirements can differ significantly between card variants, such as the BOBCARD Easy Credit Card requiring a minimum age of 25 years and a maximum of 55 years for some applicants.
How to Apply for a BOB Credit Card Online
Applying for a BOBCARD credit card online involves a straightforward digital process, allowing applicants to complete most steps from home. The entire application, from submission to approval, can take roughly 20 days, depending on document verification.
- Check Eligibility: Verify that you meet the age and income requirements for your chosen BOBCARD variant. General applicants must be between 18 and 65 years old, while salaried applicants typically need a minimum annual income of ₹3 lakh.
- Gather Documents: Prepare digital copies of required documents, including a passport-sized photograph, identity proof (PAN Card, Aadhaar Card), address proof, and income proof (latest Form 16 or ITR copy for salaried, audited balance sheet for self-employed).
- Visit BOBCARD Website: to the official BOBCARD website and select the desired credit card. As of March 2026, several cards, including BOBCARD Select, are available with limited-time Lifetime Free offers.
- Fill Application Form: Complete the online application form with personal, employment, and financial details. Ensure all information matches your supporting documents to avoid delays.
- Upload Documents: Upload the scanned copies of your identity, address, and income proofs directly through the online portal. For salaried individuals, a bank statement reflecting salary credit for the last two months is often required.
- Submit and Track: Submit the application and note down the reference number for tracking. BOBCARD provides online tools to check your application status, which typically takes about 20 days for processing.
The digital application process simplifies obtaining a BOBCARD credit card, with clear steps for document submission and status tracking.
BOB Credit Card Lifetime Free Offers 2026
BOBCARD is offering Lifetime Free (LTF) promotions on several credit cards until March 31, 2026, waiving both joining and annual fees. This allows new cardholders to avoid recurring costs, a notable benefit for various card tiers.
These limited-time offers apply to specific cards, making them attractive for users seeking long-term savings on credit card expenses.
- BOBCARD Eterna: This lifestyle card, typically with a ₹2,499 annual fee, is available as Lifetime Free under the current promotion. IT offers up to 3.75% value back on online and travel spends.
- BOBCARD Select Credit Card: Normally carrying a ₹750 joining and annual fee, this card is offered as Lifetime Free if issued before March 31, 2026. This removes the need to meet annual spending milestones for fee waivers.
- BOBCARD Corporate Credit Cards: These cards are Lifetime Free for both new and existing business ventures, providing stable financial protection and business expense management. They offer 500 reward points on every ₹5,000 spent.
- Indian Army BOBCARD Yoddha Credit Card: Designed for Indian Army personnel, this card has a zero annual fee and includes a 1% fuel surcharge waiver.
- Varunah Credit Card: Exclusively for Indian Navy personnel, the base Varunah variant is Lifetime Free. Its other variants, Varunah Plus and Varunah Premium, carry nominal annual fees.
Always verify the specific terms and conditions for Lifetime Free offers directly with BOBCARD before applying, as promotions can change.
BOB Credit Card Comparison: Eterna vs Cashback
The BOBCARD Eterna targets premium users with high reward rates on online and travel spends, while the BOBCARD Cashback offers straightforward savings on everyday transactions. Both cards were available with Lifetime Free (LTF) offers until March 31, 2026, making them attractive options for different spending profiles.
| Parameter | BOBCARD Eterna | BOBCARD Cashback |
|---|---|---|
| Card Type | Premium Lifestyle/Rewards Card | Cashback Card |
| Primary Benefit | Rewards, Travel & Lifestyle Perks, Lounge Access | Automatic Cashback on everyday transactions |
| Reward Rate / Cashback | Up to 3.75% (online/travel spends), 0.75% (other spends) | Guaranteed cashback on everyday transactions (specific rates vary) |
| Target User | Users spending ₹2.5 lakh+ annually, frequent travelers, those seeking premium benefits | Users seeking simple, hassle-free savings with no spending tracking |
| Fees (Joining/Annual) | ₹2,499 (regular), often available as Lifetime Free (LTF) until March 31, 2026 | Low fee, often available as Lifetime Free (LTF) until March 31, 2026 |
| Forex Markup Fee | Not specified in snippets (BOBCARD Premier is 3.5% + GST) | Not specified in snippets |
| Fuel Surcharge Waiver | Not specified in snippets | Not specified in snippets |
| Credit Card Issuance Rank | BOBCARD is 2nd largest public sector bank in credit card issuance (as of 2026) | BOBCARD is 2nd largest public sector bank in credit card issuance (as of 2026) |
The Eterna card provides a higher value back for specific spending categories, while the Cashback card simplifies savings without complex reward point management.
Which BOB Credit Card Should You Pick?
Choosing the right BOBCARD credit card depends on your spending habits and financial goals. As of 2026, BOBCARD is the second-largest public sector bank in credit card issuance in India, offering a diverse portfolio from entry-level to premium cards.
- For Online Cashback: The BOBCARD Cashback Credit Card provides instant value back on online spends, ideal for users seeking direct savings without tracking reward points. This card is best for those with significant online shopping and travel expenses.
- For Everyday Spends: The BOBCARD Eterna Credit Card offers up to 3.75% direct cashback on online and travel spends, making IT a strong choice for high-frequency users. Consider this card if you can secure the limited-time Lifetime Free (LTF) offer, available until March 31, 2026.
- For Travel and Etihad Flyers: The BOBCARD Etihad Guest Premium Credit Card, launched in early 2026, is designed for frequent travellers. IT offers accelerated miles, elite tier upgrades, and complimentary lounge access, with a limited-period Lifetime Free offer.
- For Indian Army Personnel: The Indian Army BOBCARD Yoddha Credit Card is tailored for Indian Army personnel, featuring a zero annual fee and a 1% fuel surcharge waiver. This card provides specific benefits for defence personnel.
- For Indian Navy Personnel: The Varunah Credit Card series (Varunah, Varunah Plus, Varunah Premium) caters specifically to Indian Navy personnel. The Varunah variant is lifetime free, offering exclusive benefits for this segment.
- For Business Owners: The BOBCARD EMPOWER Credit Card is designed for proprietors and self-employed individuals, offering up to 50 days of interest-free credit to manage business expenses efficiently. Corporate credit cards also provide stable financial protection and an air accident death cover of ₹1 crore.
Evaluate your primary spending categories and income eligibility to select the BOBCARD that best aligns with your financial lifestyle and offers the most relevant benefits.
Key Takeaways
- BOBCARD offers Lifetime Free options on select cards like Eterna and Select until March 31, 2026, waiving both joining and annual fees.
- The BOBCARD Cashback Credit Card provides up to 3.75% return on online and travel spends, converting reward points to statement credit.
- Specialised cards like the Indian Army BOBCARD Yoddha and Varunah cards offer zero annual fees and tailored benefits for defence personnel.
Review the specific features and eligibility criteria for each card on the official BOBCARD website before applying to ensure IT meets your needs.
Frequently Asked Questions (FAQs)
What are the top BOBCARD credit cards in India for 2026?
For 2026, the top BOBCARD credit cards include the BOBCARD Cashback for online cashback, the BOBCARD Eterna for everyday spends, and the BOBCARD Etihad Guest Premium for travel. The Eterna card offers up to 3.75% direct cashback on online spends up to ₹40,000 monthly. The Etihad Guest Premium, launched in early 2026, provides 15,000 miles on spending ₹75,000 within 60 days.
What are the eligibility criteria for a BOBCARD credit card in India?
To apply for a BOBCARD credit card in India, applicants typically need to be Indian residents, aged 21 to 65 years, with a stable income. Specific income requirements vary by card, but generally, a minimum monthly income of ₹25,000 to ₹35,000 is expected. A CIBIL score of 750 or higher significantly improves approval chances and access to better card offers.
What are the fees and charges for BOBCARD credit cards in 2026?
BOBCARD credit card fees for 2026 include annual fees ranging from ₹500 to ₹2,499, though some cards like the Eterna may offer lifetime free options. Interest rates on outstanding balances typically range from 3.49% to 3.99% per month, or 41.88% to 47.88% annually. Foreign currency markup charges are generally around 3.5%, but the Etihad Guest Premium card offers 0% forex markup.
How can I apply for a BOBCARD credit card online?
You can apply for a BOBCARD credit card online through the official BOBCARD website or the Bank of Baroda portal. The process involves filling out an online application form, uploading required documents like identity proof, address proof, and income proof. You may receive instant approval for some cards, with physical card delivery typically within 7-10 business days.
What rewards and benefits do BOBCARD credit cards offer?
BOBCARD credit cards offer various rewards and benefits, including cashback, reward points, travel perks, and exclusive discounts. The BOBCARD Cashback provides direct cashback on online spends, while the Eterna card offers up to 3.75% value back. Travel-focused cards like the Etihad Guest Premium provide airport lounge access, Etihad Guest Miles, and 0% forex markup.
Are there any lifetime free BOBCARD credit cards available in 2026?
Yes, BOBCARD frequently offers lifetime free (LTF) promotions on select credit cards, such as the BOBCARD Eterna. These offers are usually for a limited period and depend on specific eligibility criteria or promotional campaigns. IT is advisable to check the BOBCARD website or with Bank of Baroda branches for current LTF offers as of 2026.
What are the new RBI guidelines affecting credit cards in 2026?
As of 2026, RBI guidelines continue to focus on transparency, customer protection, and fair practices for credit card users. Key rules include clear disclosure of all fees and charges, limits on unsolicited card issuance, and defined grievance redressal mechanisms. Cardholders should also note that some BOBCARD features and charges are being revised effective July 15, 2026, as per BOBCARD’s announcement.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.
BOB Eterna Credit Card in India
The BOB Eterna Credit Card, a premium offering from Bank of Baroda, provides annual smart savings of up to ₹81,000 for cardholders in 2026. This card…