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

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

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

Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.

M16S / Bank of Baroda / Bank of Baroda BOBCARD ConQR

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Bank of Baroda BOBCARD ConQR

Bank of BarodaLast checked 11 Oct 2026fees only

The Bank of Baroda BOBCARD ConQR charges no annual fee and no joining fee. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.

Annual fee: Free
Fee waived at: —
Base return: —
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining fee	Free
Annual fee	Free
Fee notes	No joining or annual fee (MITC).

Rewards

Reward currency	BOBCARD Reward Points
Point value	1 Reward Point = Rs 0.25 as cashback
Spends that earn nothing	Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.
Points expiry	No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)
Reward notes	Named only in the MITC fee table; no product page found, so rewards are not recorded.

Travel and perks

Forex markup	3.5%
Fuel surcharge waiver	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. Not on the public card listing. Status not confirmed.

Questions

What is the annual fee of the Bank of Baroda BOBCARD ConQR?: No annual fee.
What is the forex markup on the Bank of Baroda BOBCARD ConQR?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bank of Baroda BOBCARD ConQR?: Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.