{"id":85488,"date":"2026-03-06T15:29:16","date_gmt":"2026-03-06T09:59:16","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85488"},"modified":"2026-03-06T15:29:19","modified_gmt":"2026-03-06T09:59:19","slug":"bob-select-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bob-select-credit-card\/","title":{"rendered":"BOB SELECT Credit Card for Online Shopping and Dining"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 5 reward points per \u20b9100 online and dining expenses.<\/li>\n\n\n\n<li>Annual and joining fees are fixed only at \u20b9750.<\/li>\n\n\n\n<li>The welcome bonus includes 500 reward points in 60 days.<\/li>\n\n\n\n<li>Fee waiver available after \u20b970,000 yearly spending milestone.<\/li>\n\n\n\n<li>Insurance coverage includes \u20b915 lakh accidental air protection.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The BOB SELECT Credit Card suits people who prefer online shopping and everyday savings. With a joining and annual fee of \u20b9750, the card offers useful rewards across online purchases, dining, utilities, and fuel transactions.<\/p>\n\n\n\n<p>Cardholders can also qualify for fee waivers by meeting spending milestones. You receive 500 welcome reward points after spending \u20b95,000 within 60 days. This makes BOBCARD SELECT a practical option for regular digital spending.<\/p>\n\n\n\n<p>Thinking, what\u2019s more? Continue reading!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-are-the-bob-select-credit-card-benefits\">What are the BOB SELECT Credit Card Benefits?<\/a><\/li><li><a href=\"#bob-select-credit-card-charges\">BOB SELECT Credit Card Charges<\/a><\/li><li><a href=\"#bob-select-credit-card-eligibility\">BOB SELECT Credit Card Eligibility<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-bob-select-credit-card-benefits\"><strong>What are the BOB SELECT Credit Card Benefits?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Bob-Select-benefits-1024x683.png\" alt=\"BOB SELECT Credit Card Benefits\" class=\"wp-image-85490\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Bob-Select-benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Bob-Select-benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Bob-Select-benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Bob-Select-benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/Bob-Select-benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>You receive 5 reward points per \u20b9100 spent on online purchases and dining transactions, along with attractive brand offers with the BOB SELECT credit card.&nbsp;<\/p>\n\n\n\n<p>Along with these rewards, the card also provides several other benefits to its users:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Reward Programme<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Earn 1 reward point for every \u20b9100 spent on utility bill payments and other eligible categories. This allows steady reward accumulation on everyday expenses.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Annual Fee Waiver<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Spend \u20b97,500 within the first 60 days to waive your joining fee. Spend \u20b970,000 on every card anniversary for annual fee reversal.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Fuel Surcharge Waiver<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Enjoy a 1% waiver on fuel surcharges for purchases from \u20b9400 to \u20b95,000 at any fuel outlet in India, capped at \u20b9250 per billing cycle.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>EMI Conversion Facility<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Convert purchases above \u20b92,500 into monthly instalments. Flexible repayment tenures range between 6 and 48 months.<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Add-on Card Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>Insurance Protection<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Receive accidental death insurance coverage of \u20b915 lakh for air incidents and \u20b95 lakh for non-air incidents.<\/p>\n\n\n\n<ol start=\"7\" class=\"wp-block-list\">\n<li><strong>Lost Card Protection<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Report the loss of your card within 24 hours to receive zero liability protection against unauthorised transactions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-select-credit-card-charges\"><strong>BOB SELECT Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>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 \u20b9600, whichever is higher.<\/p>\n\n\n\n<p>Refer to the table below for the list of a few <a href=\"https:\/\/online.bobcard.co.in\/assets\/BOBCARD_MITS.pdf\" target=\"_blank\" rel=\"noopener\">applicable charges<\/a> on this credit card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Foreign Currency Transaction<\/td><td>3.5%<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than \u20b9100: NIL\u20b9100 &#8211; \u20b9500: \u20b9100\u20b9501 &#8211; \u20b91000: \u20b9400\u20b91001- \u20b910,000: \u20b9750\u20b910,001 &#8211; \u20b925,000: \u20b9950\u20b925,001 &#8211; \u20b950,000: \u20b91100More than \u20b950,000: \u20b91300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-select-credit-card-eligibility\"><strong>BOB SELECT Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>Here are the eligibility criteria to apply for the Bank of Baroda SELECT Credit Card:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applicants must be Indian residents with an annual income above \u20b94.8 lakh.<\/li>\n\n\n\n<li>Salaried applicants should be aged 21\u201360 years and must produce recent bank statements showing salary credits, along with salary slips if available.<\/li>\n\n\n\n<li>Self-employed applicants must be 24\u201365 years and must submit bank statements showing business transactions for the last three months.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udca1Meeting the eligibility criteria is only the beginning. Use <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a>\u2060 to organise your credit card bill payment, receive reminders, and pay dues easily from one secure place.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnotes\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Reward points earned on eligible spending can be redeemed as cashback at a value of \u20b90.20 per point.<\/li>\n\n\n\n<li>Accelerated 5X reward earnings are capped at 1,000 reward points per statement cycle on eligible spending categories.<\/li>\n\n\n\n<li>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.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1772790713325\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><strong>What interest charges apply to BOB SELECT Credit Cards?<\/strong><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772790752182\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can you get help for BOBCARD SELECT issues?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772790771678\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How do contactless payments work on the BOB SELECT card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772790796800\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>When is the credit card renewed automatically?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772790813178\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Where can reward points appear in statements?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The BOB SELECT Credit Card suits people who prefer online shopping and everyday savings. With a joining and annual fee of \u20b9750, 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 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85489,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85488","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85488","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85488"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85488\/revisions"}],"predecessor-version":[{"id":85491,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85488\/revisions\/85491"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85489"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}