BOB SELECT Credit Card for Online Shopping and Dining

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

6 Mar 26
4 mins

Shreyansh Singh

08 Mins
06-03-26

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Table of Contents

What are the BOB SELECT Credit Card Benefits?
BOB SELECT Credit Card Charges
BOB SELECT Credit Card Eligibility

Earn 5 reward points per ₹100 online and dining expenses.
Annual and joining fees are fixed only at ₹750.
The welcome bonus includes 500 reward points in 60 days.
Fee waiver available after ₹70,000 yearly spending milestone.
Insurance coverage includes ₹15 lakh accidental air protection.

The BOB SELECT Credit Card suits people who prefer online shopping and everyday savings. With a joining and annual fee of ₹750, the card offers useful rewards across online purchases, dining, utilities, and fuel transactions.

Cardholders can also qualify for fee waivers by meeting spending milestones. You receive 500 welcome reward points after spending ₹5,000 within 60 days. This makes BOBCARD SELECT a practical option for regular digital spending.

Thinking, what’s more? Continue reading!

What are the BOB SELECT Credit Card Benefits?

You receive 5 reward points per ₹100 spent on online purchases and dining transactions, along with attractive brand offers with the BOB SELECT credit card.

Along with these rewards, the card also provides several other benefits to its users:

Reward Programme

Earn 1 reward point for every ₹100 spent on utility bill payments and other eligible categories. This allows steady reward accumulation on everyday expenses.

Annual Fee Waiver

Spend ₹7,500 within the first 60 days to waive your joining fee. Spend ₹70,000 on every card anniversary for annual fee reversal.

Fuel Surcharge Waiver

Enjoy a 1% waiver on fuel surcharges for purchases from ₹400 to ₹5,000 at any fuel outlet in India, capped at ₹250 per billing cycle.

EMI Conversion Facility

Convert purchases above ₹2,500 into monthly instalments. Flexible repayment tenures range between 6 and 48 months.

Add-on Card Benefits

Get up to 3 lifetime free add-on cards for eligible family members such as parents, spouse, siblings, and kids above 18 years of age.

Insurance Protection

Receive accidental death insurance coverage of ₹15 lakh for air incidents and ₹5 lakh for non-air incidents.

Lost Card Protection

Report the loss of your card within 24 hours to receive zero liability protection against unauthorised transactions.

BOB SELECT Credit Card Charges

Exceeding the approved limit on the Bank of Baroda SELECT Credit Card results in an overlimit fee of 2.5% of the excess amount or ₹600, whichever is higher.

Refer to the table below for the list of a few applicable charges on this credit card:

Parameters	Charges
Cash Withdrawal Charges	2.5% or ₹500 (whichever is higher)
Card Replacement Charges	₹100
Cheque Dishonour Charges	2% or min. ₹500
Foreign Currency Transaction	3.5%
Late Payment Charges	Less than ₹100: NIL₹100 - ₹500: ₹100₹501 - ₹1000: ₹400₹1001- ₹10,000: ₹750₹10,001 - ₹25,000: ₹950₹25,001 - ₹50,000: ₹1100More than ₹50,000: ₹1300

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BOB SELECT Credit Card Eligibility

Here are the eligibility criteria to apply for the Bank of Baroda SELECT Credit Card:

Applicants must be Indian residents with an annual income above ₹4.8 lakh.
Salaried applicants should be aged 21–60 years and must produce recent bank statements showing salary credits, along with salary slips if available.
Self-employed applicants must be 24–65 years and must submit bank statements showing business transactions for the last three months.

💡Meeting the eligibility criteria is only the beginning. Use the Pice app⁠ to organise your credit card bill payment, receive reminders, and pay dues easily from one secure place.

Footnotes

Reward points earned on eligible spending can be redeemed as cashback at a value of ₹0.20 per point.
Accelerated 5X reward earnings are capped at 1,000 reward points per statement cycle on eligible spending categories.
The BOB Select Credit Card may be issued as a lifetime free card under a promotional offer valid until 31 March 2026 for eligible applicants.

FAQs

What interest charges apply to BOB SELECT Credit Cards?

Finance charges apply at 3.75% per month, which equals 45% annually. You may get up to 50 interest-free days. A revolving credit option becomes available when the minimum due is paid.

How can you get help for BOBCARD SELECT issues?

Contact customer support through the 24/7 helpline or email for assistance. You may also raise service requests using the BOBCARD mobile app or official support channels.

How do contactless payments work on the BOB SELECT card?

Look for the contactless symbol at the payment terminal before tapping your card. Hold the card close to the reader until confirmation appears through lights or a sound signal.

When is the credit card renewed automatically?

The card normally renews automatically on expiry unless issues exist. Renewal may stop if dues remain high, activity stays low, records remain outdated, or account conduct appears unsatisfactory.

Where can reward points appear in statements?

Basic reward points appear next to each eligible transaction in your statement. Accelerated rewards appear separately under the reward points summary section for easy tracking.