BOB Sentinel RuPay Credit Card
Bank of Baroda
Last updated: Nov 24, 2025
₹0
₹0
Free
8 visits/yr
Contents
A value-oriented RuPay credit card from Bank of Baroda offering accelerated rewards on everyday categories, complimentary lifestyle benefits and no annual fee. The card suits customers seeking straightforward rewards and occasional lounge access via RuPay tiered programmes. Practical protections and simple redemption make it easy to use.
Features of BOB Sentinel RuPay Credit Card which makes it unique
Lifetime Free Membership
No joining or annual fee for the standard Sentinel variant
Low cost of ownership
More cost-effective than many premium cards with annual fees
Category-Boosted Rewards
Higher earn rates on groceries and movies
Better value for everyday spends
Competitive against similar RuPay reward cards
Rewards Structure of BOB Sentinel RuPay Credit Card
Departmental Stores & Movies
acceleratedDepartmental stores and movie ticket purchases
Higher reward rate for targeted categories; 1 point ≈ ₹0.25 on redemption.
All Other Spends
baseAll merchants
Standard earn rate for general purchases, including UPI transactions.
Milestones of BOB Sentinel RuPay Credit Card
Quarterly Spend Reward
₹50,000 per quarter : Bonus reward points credited quarterly
Fees & Charges of BOB Sentinel RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Lifetime free card (no renewal fee).
Fee Explanation Standard bank rates and card terms apply; refer to issuer T&Cs for full details.
Lounge Access Benefits with BOB Sentinel RuPay Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Access subject to RuPay tier rules and minimum prior-quarter spends where applicable.
Insurance Coverage with BOB Sentinel RuPay Credit Card
Travel Insurance
₹5,00,000Valid on international trips with card used to pay for travel; see issuer T&Cs.
Purchase Protection
₹25,000Covers eligible purchases within 90 days subject to claims process.
Additional Features of BOB Sentinel RuPay Credit Card
Contactless Payments
Tap-and-pay enabled
UPI Linkage
Link RuPay card to UPI apps for seamless payments
Welcome Bonus with BOB Sentinel RuPay Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Bonus available on first-time issuance; valid on spends ≥ ₹5,000 within 60 days. Eligibility and T&Cs apply.
Application Process for BOB Sentinel RuPay Credit Card
Processing Time
7-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via BOBCARD or Bank of Baroda portal
Upload KYC documents
Receive verification call or message
Card dispatched once approved (typically 7-10 business days)
Required Documents for BOB Sentinel RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
BOB Sentinel RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Limited and merchant-dependent where RuPay is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Sentinel RuPay Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required for KYC; specific co-branded variants may have additional eligibility rules.
How Approval Is Decided
- Indian resident
- Valid KYC (PAN & Aadhaar)
- Issuer credit and income assessment
Pros of BOB Sentinel RuPay Credit Card
- No joining or annual fee
- Good accelerated rewards on target categories
- Simple redemption and protections
Cons of BOB Sentinel RuPay Credit Card
- Limited international lounge and premium travel benefits
- Lower reward rates outside accelerated categories
Frequently Asked Questions about BOB Sentinel RuPay Credit Card
Is there a joining or annual fee?
No — the standard Sentinel RuPay card is lifetime free with no joining or annual fee.
What is the welcome bonus?
500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance.
How do I redeem reward points?
Points can be redeemed for statement credits, partner redemptions or gift vouchers via the issuer portal; 1 point ≈ ₹0.25 (subject to issuer rates).
Does the card offer lounge access?
Yes — domestic lounge access is available under RuPay tiered programmes; visits and eligibility are subject to RuPay and issuer rules.
What documents are required to apply?
Valid PAN and Aadhaar for KYC; salaried applicants may be asked for income proof. Additional documents may be requested per issuer policy.
Is the card accepted internationally?
RuPay acceptance abroad varies by merchant and region; card is primarily focused on domestic acceptance but may work internationally where RuPay is supported.
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