BOB Select
Bank of Baroda
Last updated: Feb 03, 2026
₹750
₹750
3.5%
4 visits/yr
Contents
BOB Select is a value-for-money rewards card from BOBCARD (Bank of Baroda). It offers accelerated reward points on shopping, movies and selected spends, a modest joining/annual fee with spend-based fee waivers, and fuel surcharge benefits. Suited for everyday shoppers who want steady rewards without steep fees.
Features of BOB Select which makes it unique
5X Rewards
Accelerated points on specific categories
Higher rewards on shopping/movies
Better than base earn rate
Spend-based Fee Waiver
Fee reversal on meeting milestone spends
Effectively lowers card cost for active users
Common with BOBCARD variants
Rewards Structure of BOB Select
Milestones of BOB Select
Joining Fee Reversal
₹7,500 in 60 days : Joining fee reversed
Annual Fee Waiver
₹70,000 per anniversary year : Annual fee waived
Fees & Charges of BOB Select
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹750 |
| Annual Fee | ₹750 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹70,000 annual spend; joining fee waiver on ₹7,500 spend within first 60 days (paid variants).
Fee Explanation Standard bank rates and BOBCARD fee schedules apply for overdue amounts and cash advances.
Detailed Explanation of BOB Select Fees
Joining Fee: 750 (one-time)
Waived on ₹7,500 spend within 60 days (paid variants)
Annual Fee: 750 (yearly)
Waived on ₹70,000 annual spend
Foreign Currency Markup: 3.5% (transaction)
Applicable on all foreign currency transactions
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300
Lounge Access Benefits with BOB Select
domestic Lounges
silverVisits per year: 4
Guest access: No
Subject to card-specific lounge offers and eligibility
Insurance Coverage with BOB Select
accidental travel insurance
₹15,00,000As per BOBCARD terms for select variants
Additional Features of BOB Select
Contactless Payments
Tap and pay enabled for low-value transactions
Smart EMI
Instant EMI conversion at checkout for eligible spends
Minimum transaction thresholds apply
Welcome Bonus with BOB Select
Welcome Bonus: 500 Reward Points
Bonus Conditions: Valid for spends of ₹5,000 within 60 days; points credited as per BOBCARD T&Cs; available to new and existing eligible customers subject to campaign rules.
Application Process for BOB Select
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via BOBCARD / Bank of Baroda portal
Upload KYC documents
Receive verification call or email
Card dispatched within 5-7 business days
Required Documents for BOB Select
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
BOB Select Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Select
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar; KYC as per RBI/Bank of Baroda norms.
How Approval Is Decided
- Minimum income as per variant (typically ₹25,000+ salaried)
- Indian resident
- Credit score above 700
Pros of BOB Select
- Good rewards on shopping and movies
- Low fees with achievable fee-waiver milestones
- Fuel surcharge benefit
Cons of BOB Select
- Rewards are points (need redemption to realise value)
- Limited premium travel perks compared with high-end cards
Frequently Asked Questions about BOB Select
Is there a joining fee?
Yes, ₹750. The joining fee can be reversed on spending ₹7,500 within 60 days (for paid variants).
What is the welcome bonus?
Earn 500 bonus reward points after spending ₹5,000 within 60 days of card activation.
How can I get the annual fee waived?
Spend ₹70,000 in a card anniversary year to get the annual fee waived.
What is the foreign currency markup?
Foreign currency markup is 3.5% on international transactions.
Is there a fuel surcharge waiver?
Yes — 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (subject to maximum per statement cycle).
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