Does the Bank of Baroda BOBCARD Cashback give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the Bank of Baroda BOBCARD Cashback?

3.5% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Bank of Baroda BOBCARD Cashback?

Per aggregator: no cashback on fuel, government, rent or insurance transactions, or on transactions below Rs 100; accelerated cashback needs at least four transactions in the statement cycle

M16S / Bank of Baroda / Bank of Baroda BOBCARD Cashback

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Bank of Baroda BOBCARD Cashback

Bank of BarodaLast checked 11 Oct 2026

The Bank of Baroda BOBCARD Cashback costs Rs 499 a year. Its base return is 1% (1% cashback on other spends (domestic POS and international)). Accelerated earn: 5% cashback on eligible domestic online spends. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.

Annual fee: Rs 499+ GST
Fee waived at: —
Base return: 1%
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining fee	Rs 499
Annual fee	Rs 499
Fee notes	MITC: monthly fee Rs 49 or joining/annual fee Rs 499; fee reversal not applicable (no spend waiver).

Rewards

Reward currency	Cashback
Base earn	1% cashback on other spends (domestic POS and international)
Base return	1%
Point value	Cashback credited to statement monthly
Accelerated earn	5% cashback on eligible domestic online spends
Caps	5% online cashback capped at Rs 1,500 per month/statement cycle; 1% cashback uncapped
Spends that earn nothingunverified	Per aggregator: no cashback on fuel, government, rent or insurance transactions, or on transactions below Rs 100; accelerated cashback needs at least four transactions in the statement cycle
Reward notes	base_return_pct = 1% flat cashback on non-online spends. Headline rates (5% online up to Rs 1,500 a month, 1% elsewhere, credited monthly) are from Bank of Baroda's card listing; exclusions and the four-transaction condition are from an aggregator.

Travel and perks

Domestic loungeunverified	None
International loungeunverified	None
Forex markup	3.5%
Fuel surcharge waiverunverified	1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points

Charges and eligibility

Interest per month	3.75%
Late payment fee	Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300
Cash advance fee	2.5% of amount or Rs 500, whichever is higher
Fine-print notes	MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The issuer's own Cashback product page could not be read; fees are from the MITC.

Questions

What is the annual fee of the Bank of Baroda BOBCARD Cashback?: Rs 499 a year, before GST.
Does the Bank of Baroda BOBCARD Cashback give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the Bank of Baroda BOBCARD Cashback?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bank of Baroda BOBCARD Cashback?: Per aggregator: no cashback on fuel, government, rent or insurance transactions, or on transactions below Rs 100; accelerated cashback needs at least four transactions in the statement cycle