Welcome Benefits :- Get 500 bonus Reward Points on spends of ₹5,000 or more within 60 days of card issuance. These 500 Reward Points are worth ₹125.

​

Rewards & Benefits :- 

Movie & Dining

NA

​

Rewards Rate

10 Reward Points/₹100 Spent on Dining, Travel, and International Transactions. All Other Eligible Spends Shall Get 2 Reward Points/₹100

​

Reward Redemption

1 Reward Point = ₹0.25

​

Travel 

N/A

​

Domestic Lounge Access

N/A

​

International Lounge Access

N/A

​

Fees & Charges :- 

Spend-Based Waiver

Fee Waiver on Spends of ₹1,20,000 in a Year (For Paid Version)

​

Rewards Redemption Fee

Nil

​

Foreign Currency Markup

3.5% + GST on the transaction amount

​

Interest Rates

3.25% per month (39% per annum)

​

Fuel Surcharge

1% waiver on fuel transactions between Rs. 400 and Rs. 5,000.

​

Cash Advance Charges

2.5% of the amount withdrawn subject to a minimum charge of Rs. 300.

​

Product Details :- 

• 2 reward points on every Rs 100 spent on all categories.

• 5x reward points while spending categories such as dining, travel, and international transactions.

• Complimentary Domestic Lounge Access at selected airports.

• Insurance benefits covering personal accident death cover.

• 1% fuel surcharge waiver on fuel transactions at all fuel stations across India.

​

Pros/Cons :-

​

Pros

• It’s a great lifetime free credit card that offers a decent reward rate and free airport lounge access across the country.

• This is a great card for taking advantage of various Bank of Baroda Credit Card offers.

​

Cons

• Although this card offers accelerated reward points on international purchases, a 3.5% Forex markup fee will apply to these transactions.

• 5X Reward Points earnings are capped at 2,000 in a month.