BOB-Swavlamban-MASTERCARD-credit-card
Bank of Baroda
Last updated: Feb 03, 2026
₹250
₹250
3.5%
No lounge access
Contents
BOB-Swavlamban-MASTERCARD is an entry-level Bank of Baroda credit card designed for everyday spending on groceries, utilities and household bills. With a low annual fee and simple flat reward structure, it helps first-time card users start building a credit history responsibly. You also get fuel surcharge waiver, contactless payments and complimentary personal accident insurance for added peace of mind.
Features of BOB-Swavlamban-MASTERCARD-credit-card which makes it unique
Value Card For Everyday Essentials
Designed for salaried and first-time credit card users who primarily spend on groceries, utilities and daily essentials.
Helps build a credit score while earning Reward Points on routine spends.
Simpler and more affordable than most premium rewards cards.
Flat Rewards Structure
Single Reward Point rate on most retail spends for easy tracking of benefits.
No complicated category mapping or rotating offers to remember.
More predictable than dynamic or time-bound reward programs.
Rewards Structure of BOB-Swavlamban-MASTERCARD-credit-card
All Eligible Retail Spends
baseRetail purchases excluding fuel, cash transactions and EMI conversions
Reward Points can be redeemed for cashback and other BOBCARD reward options.
Fuel Transactions
baseFuel spends at petrol pumps across India
Fuel surcharge waiver benefit continues as per card terms.
EMI and Cash Transactions
baseCash withdrawals, EMI conversions and wallet loads where restricted
Reward Points are not earned on restricted or ineligible transactions.
Milestones of BOB-Swavlamban-MASTERCARD-credit-card
Welcome Spend Milestone
₹5,000 within 60 days of card issuance : 500 bonus Reward Points and reversal of first-year joining fee
Annual Fee Waiver Milestone
₹12,000 in the previous card anniversary year : Annual fee waiver for the next year
Fees & Charges of BOB-Swavlamban-MASTERCARD-credit-card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹250 |
| Annual Fee | ₹250 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹500 |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹300 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee is waived when you spend ₹12,000 or more in the previous card anniversary year.
Fee Explanation Standard BOBCARD interest charges apply on unpaid balances. No overlimit charges when you use up to 105% of your credit limit.
Detailed Explanation of BOB-Swavlamban-MASTERCARD-credit-card Fees
Joining Fee: ₹250 + GST (one-time)
Reversed on eligible welcome spend as per milestone conditions.
Annual Fee: ₹250 + GST (yearly)
Waived on annual retail spends of ₹12,000 or more.
Finance Charges: up to 3.6% per month (monthly)
Applicable on unpaid dues and cash advances from the transaction date.
Cash Advance Fee: 2.5% (min ₹300) (per transaction)
Charged on ATM and over-the-counter cash withdrawals.
Late Payment Fee: up to ₹500 (per statement)
Varies by outstanding amount as per BOBCARD schedule of charges.
Fuel Surcharge: 1% waiver (per statement)
On fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
Insurance Coverage with BOB-Swavlamban-MASTERCARD-credit-card
Personal Accidental Death Cover
₹5,00,000Complimentary cover for the primary cardholder, subject to BOBCARD policy terms.
Additional Features of BOB-Swavlamban-MASTERCARD-credit-card
Contactless Payments
Tap-and-pay enabled Mastercard for fast and secure small-value transactions.
Contactless limit as per RBI and BOBCARD guidelines.
Add-on Cards
Up to 3 add-on cards for immediate family members at no additional annual fee.
Add-on holders must be 18 years or older.
Smart EMI Conversion
Convert eligible large purchases into easy monthly EMIs through BOBCARD channels.
Available for transactions above the minimum threshold as per current policy.
Digital Account Management
Manage your Swavlamban card via BOBCARD app and online customer portal.
App registration and active internet connection required.
Welcome Bonus with BOB-Swavlamban-MASTERCARD-credit-card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Spend ₹5,000 within 60 days of card issuance to receive the welcome bonus.
Application Process for BOB-Swavlamban-MASTERCARD-credit-card
Processing Time
3-5 business days after successful verification
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the BOBCARD website or Finanjo credit card comparison page and select BOB-Swavlamban-MASTERCARD.
Fill in your basic details such as name, mobile number, email ID and city and verify with OTP.
Provide employment type, monthly income and residential information and upload KYC and income documents.
Complete e-signing and, where required, video KYC as per BOBCARD process.
On approval, your Swavlamban credit card is dispatched to your registered address and can be managed via BOBCARD app.
Required Documents for BOB-Swavlamban-MASTERCARD-credit-card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
BOB-Swavlamban-MASTERCARD-credit-card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across retail stores, fuel stations, restaurants and online merchants throughout India.
International Acceptance
Accepted at Mastercard-enabled merchants and ATMs worldwide, subject to forex markup and RBI guidelines.
Online Acceptance
Supported on major Indian e-commerce sites, bill payment platforms and subscription services.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB-Swavlamban-MASTERCARD-credit-card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹15,000
Minimum annual income
Self-Employed Applicants
₹20,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a valid PAN, Aadhaar and a stable, verifiable income source.
How Approval Is Decided
- Minimum age of 18 years and maximum age as per BOBCARD policy at the time of application.
- Stable monthly income meeting the minimum threshold for salaried or self-employed individuals.
- Good credit history and credit score, typically 700 or above.
- Indian residency with valid KYC documents as per regulatory norms.
Pros of BOB-Swavlamban-MASTERCARD-credit-card
- Low-cost entry-level credit card with simple rewards.
- Fuel surcharge waiver for frequent two-wheeler and car users.
- Complimentary personal accident insurance cover.
- Easy eligibility for salaried individuals with modest income.
Cons of BOB-Swavlamban-MASTERCARD-credit-card
- No complimentary lounge access or premium travel benefits.
- Reward Points capping at 800 points per statement cycle limits high-value usage.
- No accelerated rewards on specific lifestyle categories.
Frequently Asked Questions about BOB-Swavlamban-MASTERCARD-credit-card
Is there a joining fee for the BOB-Swavlamban-MASTERCARD?
Yes, there is a joining fee of ₹250 + GST, which can be reversed when you meet the specified welcome spend milestone.
What is the annual fee and how can I get it waived?
The annual fee is ₹250 + GST. It is waived when your total eligible retail spends reach ₹12,000 or more in the previous card anniversary year.
How many Reward Points do I earn on my everyday spends?
You earn flat 4 Reward Points for every ₹100 spent on most eligible retail transactions, subject to a cap of 800 Reward Points per statement cycle.
Do I get Reward Points on fuel, cash withdrawals or EMI transactions?
No, Reward Points are not earned on fuel spends, cash advances, wallet loads where restricted or EMI transactions, but you continue to get the fuel surcharge waiver benefit on eligible fuel payments.
Who is the BOB-Swavlamban-MASTERCARD best suited for?
This card is best suited for first-time credit card users and salaried individuals looking for a simple, low-fee card to pay for groceries, utility bills and everyday household expenses while building a good credit history.
How can I manage my Swavlamban credit card account digitally?
You can register and manage your card on the BOBCARD mobile app or online customer portal to check statements, track spends, convert purchases to EMIs, redeem Reward Points and update your contact details.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.