Joining Fees

Joining FeeINR 750+GST
Joining Fee WaiverSpend INR 7,500 in 60 days
Renewal FeeINR 750+GST
Renewal Fee WaiverSpend INR 70,000 in 1 yr


  • Online, Dining, and Utility: 1.25% (5 RP/Rs.100 – capped at 1,000 Reward Points per month)
  • Other Spends: 0.25%
  • Monthly Rewards: 1000 Points on 5 txns each Rs.1000

The monthly rewards concept on the card is a very good one and that’s the USP of the card.

For ex, if you spend Rs.5000 on 5 different transactions each Rs.1000 or more, you get 1000 reward points. That’s valued at Rs.250 which is grand 5% on the spend.

If you can stretch a bit and spend Rs.6000 a month every month for 1yr, you get the card for free + card renewed for free + you get Rs.3000 as reward points which can be converted to statement credit.

That’s about net 4.2% reward rate on Rs.72,000 yearly spend just with the monthly rewards, regular rewards are cherry on the cake. 🙂

How to Apply?

You may apply Bank of Baroda Select Credit card offline through branch (or) through online portal using the referral link below:

Bottom line

  • Cardexpert Rating: 4.8/5

Its an amazing card for those who know how to make use of it. To make things easy, you can simply use the card for wallet loads and enjoy the returns like never before.

I would say its the perfect entry-level credit card for beginners whose annual spends are less and yet look for decent rewards.

But of course you’ve to deal with the not-so knowledgable customer care if things go wrong.

Do you have Bank of Baroda Select Credit Card? Feel free to share your thoughts in the comments below.

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