Bank of Baroda Select Credit Card Review

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.

How to Apply?

You may apply Bank of Baroda Select Credit card offline through branch (or) through online portal

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