Live life Select privileges.

A Credit Card, for a selected life.

  • Multiple redemption option
  • Easy EMI facility
  • Exclusive privileges
  • Benefits
  • Features
  • Eligibility Criteria
  • Documents Required
  • Annual Fees
  • Terms & Conditions


  • Free add-on card

    Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18).
  • In-built insurance cover

    Get free Personal Accidental Death Cover to ensure financial protection of your family.
  • Zero liability on lost card

    Report loss of card immediately to ensure zero liability on any fraudulent transactions.
  • Interest free credit facility

    Avail up to 50 days of interest free credit from the date of any purchase.
  • Revolving credit facility

    Pay Minimum Amount Due and finance your spends as per your convenience.


Make SELECT Lifetime free

Spend 7,500 within 60 days and 70,000 in a year, for reversal/waiver of annual fees.

Fuel Surcharge Waiver**

1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000 (Maximum Rs. 250 per statement cycle).

Note- No Reward Points are earned on fuel transactions

Multiple redemption options

Redeem your reward points as cashback and other exciting options

Easy EMI option

Convert purchase of > Rs. 2,500 on your card into easy EMIs of 6/12 months.

*Please note: 5X Rewards are capped at 1,000 Reward Points on the mentioned categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate.

**Please note: The GST component is not reversed. The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank providing the terminal to the merchant. The value of fuel transaction on charge slip will differ from the credit card statement since the fuel surcharge and GST on the same are levied by the acquiring bank after the transaction.

BOBCARD SELECT : Eligibility Criteria

Coming soon...

BOBCARD SELECT : Documents Required

Coming soon...


Fee type Fee Reversal/Waiver criteria*
First year fee Lifetime free Spend Rs. 7,500 on your card within the first 60 days of card setup date for first year fee reversal. Fee reversal will reflect in the 4th bill statement from the card issuance month, provided all due payments are made.
Annual Fee Lifetime free Spend Rs. 70,000 on your card in a year for fee waiver.

*Please note - Joining/Annual fee waiver is applicable only to non-delinquent credit cardholders.

BOBCARD SELECT : Terms & Conditions

Coming soon...

Frequently Asked Questions (FAQs)

  • What is a Credit Card?

    A credit card is a financial instrument supplied by banks with a pre-set credit limit for online and offline shopping. You may be eligible for a credit card based on your credit score, history, income, and other bank guidelines. Apply for a credit card at BOB Financial site. In other words, a credit card is your convenient, anytime money that you must repay only after 50 days because there is no interest until then.

  • How to Apply for a Credit Card?

    In 3 simple steps:

    1. Complete the e-application
    2. Aadhaar-based e-signature
    3. Confirm with video KYC

    You can also visit any of your nearest Bank of Baroda branches.

  • How to use a Credit card?

    Use your Bank of Baroda credit card for:

    • Retail purchases
    • Online shopping
    • Cash withdrawals at ATMs
    • Foreign Rs. 2500 (cross-border) transactions while travelling overseas by enabling it for contactless (Tap & Pay) transactions.

    Not only that, but you may convert purchases of more than Rs. 2500 on your card into cheap EMIs ranging from 6 to 36 months.

  • How to check Credit Card Eligibility?

    Visit our website at to check your eligibility and apply for your Bank of Baroda credit card.

  • What are the benefits of an Bank of Baroda Credit Card?
    • Exciting privileges across dining, travel, entertainment, and more
    • Rewards on spends
    • Welcome Perks
    • Complimentary Service

    In short, it doesn’t just give you instant credit; it enables you to step up to the dream life you’ve always wanted and delights by adding to your savings too!

  • What are the 4 types of credit cards?

    Credit Cards are broadly classified as follows -

    1. Retail/Consumer Credit Cards
    2. FD backed/Secured Credit Cards
    3. Co-branded Credit Cards
    4. Commercial Credit Cards

    For details on Bank of Baroda Credit Cards – visit BOB Financial site

  • How many credit cards can I have?

    Usually, banks offer 1 credit card to every customer, few banks also offer multiple credit cards to the same customer. For ex: Retail Card for personal use and Business or Corporate Credit Card for official expenses.

  • Can I pay a person with a credit card?

    Payments by credit cards are not permitted for P2P transactions. However, credit card loans are available. (Conditions apply)

  • Can I use my credit card for international transactions?

    Of course, yes. Please keep in mind that you must first enable your Bank of Baroda credit card for foreign transactions.

    1. Log in to the Bank of Baroda Credit Card customer online OR mobile app
    2. Navigate to ‘Go to Menu’
    3. Select the 'Card usage/management' option
    4. Activate your card for international use instantly by following the screen instructions.
  • Can I transfer money from credit card to bank account?

    No. Certain credit card transactions are not permitted, and one of them is the transfer of funds to a bank account.

  • What should you do in the case of theft or loss of your credit card?

    In case of any theft, unauthorized transaction or fear of fraudulent use on your card, you can permanently block your card using any of the options -

    1. SMS BLOCK XXXX to 9223172141 from your registered mobile number (XXXX is the last 4 digits of your card)

    2. Log in to the Bank of Baroda Credit Card customer portal or mobile app -> Go to Menu & Select the 'Card Block' option and immediately block your card following the screen instructions.

  • How much cash can I withdraw from credit card?

    Every card comes with a sub-limit for cash withdrawals, you can use your card up to that amount for cash withdrawal at the ATM using your credit card. You can confirm your cash limit by calling customer service number printed on your credit card.

  • When can I redeem my credit card reward points?

    Every card has a cash withdrawal sub-limit. You can use your credit card to withdraw cash from an ATM up to that amount. Call the customer support number on the back of your credit card to confirm your cash limit.

  • How do I increase my credit card limit?

    You can call the customer support number on your credit card to see if you are qualified for a higher limit or to learn how to request one.

  • How is my credit card limit decided?

    The bank determines the credit card limit based on one's income, existing debts, and performance on past repayments (if any).

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