Bank of Baroda Select Credit Card Review

By | October 13, 2020

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. 🙂

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.

Author: Siddharth

I love credit cards, enjoy travelling for free using reward points & airmiles. Obsessed with business class cabins, airport lounges and luxury hotels.

31 thoughts on “Bank of Baroda Select Credit Card Review

  1. Deep

    There’s a ICAI exclusive card by Bank Of Baroda which is only given to Chartered Accountants
    It has exactly same features as this card but with added advantage of Forex markup of 2% , 12 free airport lounge access per year and its lifetime free!

  2. Avi

    “1yr, you get the card for free + card renewed for free + you get Rs.3000 as reward points which can be converted to reward points.”‐——- I think you meant converted to statement credit.

      1. Avi

        one query though, do you think regular rewards will be applicable for 1000rs transactions if I load paytm wallet?
        there might be some hidden tnc which invalidates even monthly rewards for wallet loads.
        If they are trying to copy MRCC, hope they get atleast half the way considering it’s a public sector bank.

        1. Tanmay Lodha

          Yes, you will get 5 points for wallet reloads. no hidden T&C’s

  3. Tanmay Lodha

    I am using this card and guys believe me, BOBFinancial is really doing a great job from the past one year. They offer lots and lots of offer from time to time. There customer care is also improving but at a slow pace. Major point is that it is without any IVR.
    Now to add more to the content –
    1. Minimum amount spend required to earn reward point – Rs 100
    2. Reward points also provided on fuel transactions
    3. If the transaction is made within the 1000 points monthly 5x cap, then full spend amount will receive 5 reward points which will lead you to earn more than 1000 points (via 5x rule) in a month
    4. If amount denomination is Eg. less than 150, then points will be given on Rs 100 whereas if amount denomination is greater than equals to 150, points will be given according to Rs 200

      1. Tanmay Lodha

        Moreover, Customer care is available 24*7*365 (I know the fact that customer care is not up to the mark but they are improving slowly)

  4. Saurabh

    I am holding BOB Premier credit card from last ~2 years. I would say their card benefits are really very good (specially for travel bookings) but when it comes to customer service it is way poor.
    e.g. I had to face issue for getting cashback for flight booking on goindigo website. After several follow up I lost hope. And then one good day and after a wait period of around 9 months cashback amount credited to my account. So basically if you are holing BOB CC your patience level should be of ∞ level.

  5. Sahil

    Are wallet loads eligible for points? Because then this card is a good complement to MRCC for wallet loads.

  6. Abhi

    Have you reviewed the BOB EASY card already? It’s visa platinum and apart from regular features, it says : Get 0.5% of the card bill payment as cashback in your next statement. Innovative.

      1. Tanmay Lodha

        Absolutely correct, From all the 4 BOB credit cards (unsecured + publicly available), Eterna and Select are the best.

  7. Abhi

    How Select compares to MRCC, for those who have fee paid versions:
    At 70K spends pa on Select, assuming all on wallet loads or online, including the 1000×5 every month, reward rate is 12000 (bonus) plus 3500 (regular), total 15500, pt value Rs0.25. That’s Rs3875 in cash or 5.5% reward rate plus annual fee waiver.
    MRCC, for 70K, including the 1000×4 every month, would give 12000 bonus plus 1400 reg, that’s 13400, pt value around Rs0.4. Thats 5360 but card fee itself is a huge 5310. Sometimes it’s waived, or adjusted against 12K pts, or else you gain nothing.
    At 1.5L spends (all online), Select gives 12000 bonus plus 7500 reg, that’s 19500 pts worth Rs4875 or 3.25% rate.
    MRCC is 12000 bonus plus 3000 reg, that’s 15000 pts worth Rs6000 or 4.5% RR plus annual fee waiver. Assumed 0.40 rate considering amazon, with Taj its bit more.
    Clearly Select has low entry barriers, fee is low, target for waiver is also lower and reward also is in cash. V.good competitor for MRCC.

    1. Shivi

      AmEx is a different league altogether. You are comparing Prince (MRCC) to a Pauper (BoB Select)

      1. Abhi

        Yah MRCC is awesome, can hardly swipe it anywhere. Works best online, and in the online game, BoB Select gives 1.25% in cash and MRCC 2pts per 100 which barely crawls upto 1.15% if one really wants to choose Taj 24K. Coming to the bonus pts, I ve reviewed already. Only change now is the annual fee on MRCC which they have dropped from 4500 to 1500 (add gst) considering the competition from so many entry level cards.
        Talking of Amex, BoB Select is bad enough for people to give up their Amex Gold charge cards also.
        Furthermore, this poor BoB Select gives you pts on insurance and utilities that both Amex cards don’t.

        1. Shivi

          BoB cards would work best for you without doubt. I’d pick up AmEx any day.

          1. Abhi

            Bob cards, wow I just said Select. Have mrcc ltf and already gave up thoughts over gold charge thanks to Select.

  8. AM

    I had BOB card for 3-4 years but canceled in 2018 service was good I would say esp customer care direct line and now days there are many BOB offers on amazon and other portals so maybe the right time to try them again but again handling too many cards a headache for merely 2-3k worth of rewards point.

  9. Mithi

    There may be hidden restrictions on 1000 bonus points on five 1k transaction, I tried with around two 2k offline transaction & 3 1k wallet loads last month, did not receive any bonus points.

      1. Mithi

        I had raised complaint on their web portel, after a week complaint satus was rejected with no intimation

        1. Shashank

          You will get the bonus points within 60 days. It’s not instantly credited. As someone said above, your patience level has to be infinite.

  10. Vivek

    The eligibility criteria is not as friendly as other banks. They don’t provide care on FD basis. Strictly income criteria. Poor show by BOB.


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