Does the Bank of Baroda Instant RuPay BOBCARD (bob e-Pay) give airport lounge access?

Yes. In India: 'Complimentary lounge access' (count not stated). Outside India: none listed.

What is the forex markup on the Bank of Baroda Instant RuPay BOBCARD (bob e-Pay)?

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

Which spends earn no rewards on the Bank of Baroda Instant RuPay BOBCARD (bob e-Pay)?

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 Instant RuPay BOBCARD (bob e-Pay)

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Bank of Baroda Instant RuPay BOBCARD (bob e-Pay)

Bank of BarodaRuPayLast checked 11 Oct 2026fees only

The Bank of Baroda Instant RuPay BOBCARD (bob e-Pay) charges no annual fee and no joining fee. Accelerated earn: '5X rewards on popular categories' (listing wording; categories and base rate not stated). The forex markup is 3.5%. Lounge visits in India: 'Complimentary lounge access' (count not stated). 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	Zero joining and annual fee (Bank of Baroda's card listing).

Rewards

Reward currency	BOBCARD Reward Points
Point value	1 Reward Point = Rs 0.25 as cashback
Accelerated earn	'5X rewards on popular categories' (listing wording; categories and base rate not stated)
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	Virtual RuPay credit card issued through the bob e-Pay UPI app. Only the listing's headline claims were read.

Travel and perks

Domestic loungeunverified	'Complimentary lounge access' (count not stated)
Forex markupunverified	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 monthunverified	3.75%
Late payment feeunverified	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
Eligibility	Applied for inside the bob e-Pay app
Fine-print notes	Digital, card-less RuPay credit card for UPI payments. No product page or card-specific terms were found; the listing links only to the app stores. EMI up to 48 months mentioned.

Questions

What is the annual fee of the Bank of Baroda Instant RuPay BOBCARD (bob e-Pay)?: No annual fee.
Does the Bank of Baroda Instant RuPay BOBCARD (bob e-Pay) give airport lounge access?: Yes. In India: 'Complimentary lounge access' (count not stated). Outside India: none listed.
What is the forex markup on the Bank of Baroda Instant RuPay BOBCARD (bob e-Pay)?: 3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bank of Baroda Instant RuPay BOBCARD (bob e-Pay)?: 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.