BOBCARD Select Credit Card: Features, Benefits and How to Apply

In today's society, to have access to credit and a credit card is now not just a financial tool, but the ability to have and use a credit card is considered a form of social status. They provide a selection of benefits, including discounts, rewards, travel privileges, and special offers. In the plethora of credit cards available in the market, there are premium credit cards designed to suit those looking for convenience, rewards and other luxorious benefits and the BOBCARD Select falls in that category.

Bank of Baroda has created the BOBCARD Select Credit Card to combine lifestyle privileges with exclusive rewards and security for its card members. It is exclusively designed for those who expect to get more with their spending by using a rewarding points system, travel benefits and dining deals.

In this post, let’s explore the features, benefits and the rewards of the BOBCARD Select Credit Card. We'll also take a look at its requirements for qualification, application process, and why this card is a great fit for people who are interested in premium credit card perks.

BOBCARD Select Credit Card Review

BOBCARD Select Credit Card A feature-packed credit card for premium lifestyle with great rewards and the best in class service from Bank of Baroda. This credit card offers great points for travel, dining and everyday purchases. It also comes with a range of benefits including free lounge access, insurance and dining offer, making it the right choice for anyone who wants something that slides easily between on luxury, convenience and value.

Key Highlights of the BOBCARD Select Credit Card

Here is a rundown of the features of the BOBCARD Select Credit Card:

Joining Fee:

₹1,000 + Taxes as applicable

Renewal Fee:

₹1,000 + applicable taxes (Waived on spend of a particular amount each year)

Reward Points System:

• Get 2 RP for every ₹100 spent on travel and dining.

• Get 1 Reward Point per ₹100 spent on all other categories.

• Cash in your points for rebates, shopping vouchers or travel discounts.

Complimentary Lounge Access:

• Domestic Lounges: 2 free visits per year to select airport lounges in India.

• International Lounges: 1,000+ airport lounges eligible with Priority Pass membership.

Exclusive Travel Benefits:

Hotel and flight booking discounts.
Travel insurance that includes loss of luggage, flight delays, etc.

Insurance Coverage:

Include coverage for unauthorised transactions, accidental death and baggage loss.
Protection when you buy items with the card.

Fuel Surcharge Waiver:

Enjoy 1% fuel surcharge waiver across all petrol pumps in India.

Advantages of the BOBCARD Select Credit Card

So, let’s get to the reasons why the BOBCARD Select Credit Card is the perfect fit for all your spending and lifestyle needs:

Reward Points for Every Spend

Rewards Program – BOBCARD Select Credit Card comes with a great rewards program for all spends. Customers can earn 2 Reward Points on each ₹100 spent of travel and dining. For all other spends, the card earns 1 Reward Point for every ₹100 spent. These rewards points can accumulate to a large sum, which you can redeem for shopping vouchers, cashback etc.

The points reward system is probably the most appealing feature of the BOBCARD Select Credit Card. No matter when you’re booking your next getaway, dining out and eating at a fancy restaurant or shopping in general, the points are endless.

Travel and Dining Benefits

For avid travelers, this card provides free access to domestic and international lounges so that you can travel in unbeatable luxury. Cardholders can receive up to 2 free visits a year to domestic lounges (each lounge visit is good for up to 3 hours per visit) OR a discounted $27 Priority Pass membership to access 1,000+ international airport lounges.

In addition, the card provides significant food and dining benefits, such as instant discounts and cash back at various restaurants. So whether you are eating out for business or pleasure you can take advantage of all the great deals.

Insurance Coverage

One of the key highlights of the BOBCARD Select Credit Card is the wide range of insurance cover that you will get. Some of the many risks cardholders are covered for include:

• Fraud Transaction Protection: If your card is used fraudulently, the card provides protection against unauthorized transactions.

• Accidental Death Insurance: If you are finger crossed, then this card also secures your family for accidents too.

• Purchase protection: Purchased products with the BOBCARD Select Credit Card can be protected against damage or theft during a certain period of time, giving cardholders peace of mind.

This insurance provides an additional layer of protection to cardmembers, so it is a worthwhile card for anyone concerned about their financial well-being.

Fuel Surcharge Waiver

The 1% Fuel surcharge reversal on all fuel transactions is one nice perk for regular car users. Whether you are gassing up at a gas station in your neighborhood or on a cross-country road trip, this waiver makes it easy to save on fuel expenses. The surcharge will be waived on transactions in the range of ₹500 – ₹3,000 with maximum monthly waiver of ₹100 per card holder.

Lifestyle Benefits

With BOBCARD Select Credit Card, you have access to discounts and special offers on shopping and entertainment and do much more. Cardholders can enjoy:

• Shopping Vouchers: Get shopping vouchers of popular retail brands by encashing your reward points.

• Special Discounts: Card members will get special discounts on lifestyle products, services and experiences.

These lifestyle benefits you can enjoy just by using your credit card daily!

Zero Liability for Fraudulent Transactions

Zero liability As far as lost or stolen cards are concerned, BOBCARD Select Credit Card offers complete protection. If your card is lost or stolen, you won’t be responsible for charges you did not approve, including any transactions made before you reported the loss to your bank.

This feature has the comforting factor of knowing that your order is protected from fraud, and your money is secure.

Eligibility for the BOBCARD Select Credit Card

Before you apply to the BOBCARD Select Credit Card, make sure you are eligible. Below are the basic requirements:

• Age: 21 to 60 years old.

• Income:

  • Salaried: Net Monthly Income of 50,000 or more.

  • Self-employed: At least ₹6 lakh in annual income.

• Credit Score: A 750 or higher credit score is often required for approval.

These conditions make you eligible for a BOBCARD Select Credit Card which means you can avail all the advantages as soon as you get the card.

Fees and Charges

Though BOBCARD Select Credit Card comes with multitude of benefits, you should also be aware of the fees and charges applicable for this card:

• Joining Fee: ₹1,000 + GST

• Renewal Fee: ₹1,000 + GST (waived off on spending ₹1,00,000 or more in a year)

• Late Payment Fee: It varies with the due yet to be paid amount

• Cash Withdrawal Fee: 2.5% of the withdrawn amount or ₹300 (whichever is higher)

• Foreign Exchange Transaction Fee: 3.5% of the value of the transaction

• Fuel Surcharge: 1% on fuel transactions ranging from ₹500-₹3,000

Why should you opt for BOBCARD Select Credit Card?

The BOBCARD Select Credit Card is unique in the market for the following reasons:

• Generous Rewards Program: The card has robust rewards, particularly for travel and dining.

• Travel Benefits: Make travel easier with this card and enjoy domestic and international lounge access.

• Insurance Plan: All cardholders are insured for anything that comes their way.

• Cost-Effective: With the modest annual fee and waiver with spending, this is a cost-effective option for high-end credit card seekers.

For those who want the best of rewards, ease and security, this BOBCARD Signature Credit Card is the ultimate choice. It provides a mix of luxury, value and protection so you can protect your smart financial investment.

Conclusion

BOBCARD Select Credit Card is an all in one card that fulfills multiple financial needs. For those who travel often, are a foodie and like to shop and entertain, this credit card has a well-rounded package of perks. The BOBCARD Select Credit Card has a great rewards program along with other travel perks, insurance offer and reasonable fees which offers good value to users.

For the working professional who want to have a status symbol credit card for themselves, the BOBCARD Select Card is one you can consider. That's a lot to offer for consumers who want the best of the best (both at home and about town), and with the extra perks of online and offline rewards, travel perks and free lounge access.

For people who are interested in higher spends with superior rewards, it will be an ambitious offer applying for BOBCARD Select Credit Card.