Bank Of Baroda Premier Credit Card Review

BOB Premier Credit Card is a premium class credit card from Bank of Baroda with several offers and privileges. It comes with most of the premium features and offers, at a very low and compatible price. The awesome features of the card are – Big Reward offer, Premium Privileges, Annual, and renewal fee waiver, Waiver on fuel surcharges, EMI facility, Add-on card, Insurance Coverage, Zero lost card liability, and up to 50 days of credit free period. This is one of the best credit cards offered by the Bank of Baroda.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: ₹60,000 monthly. 
  • For self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: ₹60,000 monthly. 
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹1,000 + GST
  • Annual Fee: ₹1,000 + GST


  • Reward benefit:

For each ₹100 transactions made with this card you will get 2 reward points, you will get 10 reward points for the same on dining, travel, and international spending. You can also redeem your earned reward points very easily with many redeeming options. You can also redeem them in cash. 

  • Lounge access:

With this card, you can get a premium travel experience. This card offers free access to more than 35 partner lounges in India.

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges, this offer is applicable at any fuel stations in India. 

  • Insurance coverage:

Your BOB Premier Credit Card comes with built-in insurance coverage against any accidental deaths.

  • Lost card liability:

This card offers zero liability against lost or stolen cards, to get the maximum benefits of the offer you have to report within 24 hours of the loss.

  • Annual fee waiver:

If you can spend ₹10,000 within the first 60 days of the card issuance then the joining fee of the card will be waived off. 

Also if you can spend ₹1,20,000 with your card in a year, then the annual fee for the next year will be waived off. 

  •  Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • EMI option:

This card offers you to convert your high-value purchases of over ₹2,500 into EMI. This feature is very helpful for frequent shoppers. 

  • Interest-free period:

This card offers up to 50 days of an interest-free period.

  • EMV Chip Card:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the Visa Credit Cards are accepted.


  • Cash Withdrawal Charge: 2.5% at domestic ATMs and 3% at International ATMs. 
  • Finance Charge: 3.25% monthly. 
  • Foreign currency transaction: 2.75% against the amount. 

Contact Details:

Call: 1800-103-1006


Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you are looking for a low-cost premium credit card then you should check this card. it offers benefits like reward benefits, lounge access, fuel surcharge waiver, insurance coverage, zero lost card liability, add-on facility, and lots more. Moreover, you can get those benefits at a much lower price than other premium cards

But if you want to spend more to have some extra benefits then you can go for RBL Bank Icon Card, which offers exclusive benefits at an affordable price else if you want to spend even more to have a super-premium credit card then you can go for American Express® Platinum Card

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: