What is the annual fee of the Bank of Baroda BOBCARD Swavlamban?

Rs 250 a year, before GST. It is waived if you spend Rs 12,000 in a year.

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

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

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

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 Swavlamban

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Bank of Baroda BOBCARD Swavlamban

Bank of BarodaLast checked 11 Oct 2026fees only

The Bank of Baroda BOBCARD Swavlamban costs Rs 250 a year, waived if you spend Rs 12,000 in a year. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.

Annual fee: Rs 250+ GST
Fee waived at: Rs 12,000annual spend
Base return: —
Forex markup: 3.5%
Interest: 3.75%a month

Fees

Joining fee	Rs 250
Annual fee	Rs 250
Annual spend that waives the fee	Rs 12,000
Fee notes	Joining fee Rs 250 charged in the first cycle and waived on Rs 2,500 spend in first 60 days. Annual fee Rs 250 waived on Rs 12,000 spend in the anniversary year.

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; may be a scheme-specific or closed-loop product. Status not confirmed.

Questions

What is the annual fee of the Bank of Baroda BOBCARD Swavlamban?: Rs 250 a year, before GST. It is waived if you spend Rs 12,000 in a year.
What is the forex markup on the Bank of Baroda BOBCARD Swavlamban?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bank of Baroda BOBCARD Swavlamban?: 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.