The Bank of Baroda RuPay Select Credit Card is a mid-tier offering designed for individuals seeking a balanced credit card experience with attractive rewards and lifestyle benefits. This card is part of the RuPay network, which provides additional advantages on domestic transactions, making it an excellent choice for frequent shoppers and travelers within India. With features such as domestic lounge access, dining discounts, and an affordable annual fee, this card is ideal for those looking to maximize their everyday spending rewards. In this review, we’ll explore the features, fees, and extensive benefits of the Bank of Baroda RuPay Select Credit Card to help you determine if it’s the right fit for your financial needs.
- Overview
- Bank of Baroda RuPay Select Credit Card Fees and Charges
- Bank of Baroda RuPay Select Credit Card Features
- Key Features:
- Bank of Baroda RuPay Select Credit Card Benefits
- Rewards
- Airport Lounge Access
- Airport Transfers
- Forex Markup Fee
- Eligibility
- How to Apply?
- Bank of Baroda RuPay Select Credit Card Review
- Similar Cards to Bank of Baroda RuPay Select Card
- Comparison
- FAQ
Overview
| Feature | Details |
|---|---|
| Card Type | Online Shopping Card |
| Reward Rate | 2 Reward Points per ₹150 spent |
| Reward Value | Varies based on redemption options |
| Joining Fee | ₹750 + GST (waived on spending ₹6,000 within 60 days) |
| Unique Selling Points | Domestic lounge access, extensive rewards program, RuPay network benefits |
| Rating | ★★★★☆ (4.1/5) |
Bank of Baroda RuPay Select Credit Card Fees and Charges
| Fee Type | Details |
|---|---|
| Joining Fee | ₹750 + GST (waived on spending ₹6,000 within 60 days) |
| Annual Fee | ₹750 + GST (waived on spending ₹75,000 annually) |
| Finance Charges | 3.49% per month (41.88% per annum) |
| Foreign Transaction Fee | 3.5% + GST |
| Cash Advance Fee | 2.5% of the amount withdrawn (min ₹300) |
| Late Payment Fee | ₹100 to ₹1,300 depending on the outstanding balance |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹5,000 |
Bank of Baroda RuPay Select Credit Card Features
The Bank of Baroda RuPay Select Credit Card is a versatile credit card designed to enhance your lifestyle, particularly if you’re an avid online shopper or frequently engage in everyday spending. Here are the key features:
Key Features:
- Accelerated Reward Points: Earn more reward points on regular spends, which can be redeemed for a variety of options, including cashback.
- Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharges at all fuel stations across India on transactions between ₹400 and ₹5,000.
- Contactless Payments: The card is equipped with wireless chip technology, ensuring secure and faster payments in contactless mode.
- Zero Liability on Lost Card: If your card is lost, you won’t be liable for any fraudulent transactions once you report the loss.
- In-built Insurance Cover: The card includes a personal accidental death cover for both air and non-air travel, providing financial protection for your family.
Bank of Baroda RuPay Select Credit Card Benefits
- Welcome Offer: Get 500 bonus reward points when you spend ₹5,000 or more within 60 days of card issuance.
- Dining Rewards: Earn 5X rewards on dining expenses, making it a great card for food lovers.
- Milestone Spend Benefits: Get your joining fee and annual fee reversed when you meet specific spend thresholds within a given period.
- Free Add-on Cards: You can get up to three lifetime free add-on cards for your family members.
This card is ideal for individuals looking for value in their everyday purchases while enjoying the convenience of a contactless, secure payment method.
Welcome Benefits
- Joining Fee Waiver: Spend ₹6,000 within the first 60 days to get the joining fee of ₹750 + GST waived.
- Welcome Bonus Points: Earn 1,000 bonus Reward Points on your first transaction within 30 days of card issuance.
Rewards Program
- Earn Points on Every Spend: Earn 2 Reward Points for every ₹150 spent across categories like shopping, dining, and travel.
- Accelerated Rewards: Enjoy up to 5X Reward Points during special promotions and on select spending categories.
Domestic Lounge Access
- Airport Lounge Access: Enjoy 2 complimentary domestic airport lounge visits per quarter, ensuring a comfortable travel experience within India.
Fuel Benefits
- Fuel Surcharge Waiver: Receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, helping you save more on fuel expenses.
Dining Discounts
- Dining Privileges: Avail up to 15% discount at partner restaurants across India, making your dining experiences more enjoyable and cost-effective.
Entertainment Offers
- Movie Ticket Discounts: Get exclusive discounts on movie tickets through partner platforms, making your entertainment more affordable.
E-Commerce Benefits
- Exclusive Online Offers: Access special discounts and offers on popular e-commerce platforms such as Amazon, Flipkart, and Myntra when using your Bank of Baroda RuPay Select Credit Card.
Insurance Cover
- Personal Accident Insurance: Benefit from complimentary personal accident insurance coverage of up to ₹10 lakh, providing peace of mind and financial security.
- Purchase Protection: Get purchase protection for up to 90 days from the date of purchase against damage or theft of items bought using your credit card.
Contactless Payments
- Tap & Pay Feature: The Bank of Baroda RuPay Select Credit Card supports contactless payments, allowing you to make fast and secure transactions without swiping your card.
Bill Payment Convenience
- Utility Bill Payments: Earn Reward Points on utility bill payments, including electricity, water, and phone bills, when paid using your credit card.
Rewards
| Spending Category | Reward Points Earned |
|---|---|
| All Purchases | 2 Reward Points per ₹150 spent |
| Accelerated Rewards | Up to 5X Reward Points on select categories and promotions |
Redemption
Reward Points earned on the Bank of Baroda RuPay Select Credit Card can be redeemed for a wide variety of options, including:
- Gift Vouchers: Redeem points for vouchers from top brands across shopping, dining, travel, and more.
- Merchandise: Choose from a broad range of products available in the Bank of Baroda rewards catalog.
- Airline Miles: Convert Reward Points into airline miles with select airline partners for discounted travel.
- Statement Credit: Use Reward Points to offset your outstanding credit card balance as statement credit.
Gift Vouchers Available
| Category | Brands |
|---|---|
| Shopping | Myntra, Amazon, Pantaloons, Levi’s, Lifestyle, Shoppers Stop, Westside |
| Electronics | Croma |
| OTA | MakeMyTrip, EaseMyTrip |
| Hotels | Oberoi Hotels, Taj Hotels, ITC Hotels |
| Cabs | Uber, Ola |
| Airline | Vistara, IndiGo, SpiceJet |
| Luxury Brands | Neiman Marcus, Gucci, Louis Vuitton |
| Merchandise | Apple, Samsung |
Airport Lounge Access
| Lounge Access | Details |
|---|---|
| Domestic Lounge Access | 2 complimentary visits per quarter |
| International Lounge Access | Not available |
| Annual Limit | 8 visits per year |
Airport Transfers
The Bank of Baroda RuPay Select Credit Card does not offer complimentary airport transfers, focusing instead on domestic lounge access and rewards for daily spending.
Forex Markup Fee
| Feature | Details |
|---|---|
| Forex Markup Fee | 3.5% + GST |
| Reward Rate for International Spends | 2 Reward Points per ₹150 spent |
Eligibility
- Age: 21 to 65 years.
- Income: Minimum annual income of ₹2.5 lakh.
- Employment: Available to both salaried and self-employed individuals.
How to Apply?
Online Application
- Visit the official Bank of Baroda website.
- Navigate to the credit card section and select “Bank of Baroda RuPay Select Credit Card.”
- Complete the application form with your personal and financial details.
- Submit the required documents online for verification.
- Await approval and card issuance.
Offline Application
- Visit your nearest Bank of Baroda branch.
- Request an application form for the Bank of Baroda RuPay Select Credit Card.
- Fill out the form with necessary details and submit it along with the required documents.
- The bank will process your application, and upon approval, the card will be issued.
Bank of Baroda RuPay Select Credit Card Review
Editor’s Rating
Summary
The Bank of Baroda RuPay Select Credit Card is a well-rounded option for those looking for a mid-tier card with robust domestic benefits. With a focus on earning rewards through everyday spending, this card provides ample opportunities to accumulate points that can be redeemed for valuable rewards. The card also offers significant perks like domestic lounge access, dining discounts, and a variety of e-commerce benefits. However, it’s worth noting that the card lacks international travel perks, which might be a drawback for frequent international travelers. Overall, it’s a solid choice for those who want to maximize rewards on domestic spending without paying a high annual fee.
Pros and Cons
| Pros | Cons |
|---|---|
| 2 Reward Points per ₹150 spent, with up to 5X points during promotions | No international lounge access or airport transfer benefits |
| Complimentary domestic lounge access (2 visits per quarter) | High foreign transaction fee at 3.5% + GST |
| Wide range of redemption options, including popular gift vouchers | Limited to domestic benefits, less ideal for frequent international travelers |
| Easy waiver conditions for annual fee | Customer service may vary in responsiveness compared to premium cards |
Similar Cards to Bank of Baroda RuPay Select Card
| Feature | Bank of Baroda RuPay Select Credit Card | ICICI Bank Coral Credit Card | Axis Bank Vistara Credit Card |
|---|---|---|---|
| Annual Fee | ₹750 + GST (waived on spending ₹75,000 annually) | ₹500 + GST (waived on spending ₹1.5 lakh annually) | ₹1,500 + GST (waived on spending ₹3 lakh annually) |
| Reward Rate | 2 Reward Points per ₹150 spent | 2 Reward Points per ₹100 spent, 2X points on online spends | 4 Club Vistara Points per ₹200 spent |
| Lounge Access | 2 domestic lounge visits per quarter | 1 complimentary domestic lounge visit per quarter | 1 complimentary domestic and 1 international lounge visit per quarter |
| Milestone Benefits | ₹750 fee waiver at ₹75,000 spend, bonus points at ₹1 lakh | 500 Reward Points on card anniversary | Free Premium Economy Ticket on joining and on renewal |
| Forex Markup Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
Comparison
ICICI Bank Coral Credit Card
The ICICI Bank Coral Credit Card is another mid-tier option that offers similar rewards on spending but at a lower fee. It’s more suited for users who frequently make online purchases, as it offers 2X points on such transactions. The Bank of Baroda RuPay Select Credit Card, however, provides more substantial lounge access and better milestone rewards. If you value lounge access and broader rewards, the Bank of Baroda card is preferable, while the ICICI Coral card is better for frequent online shoppers.
Axis Bank Vistara Credit Card
The Axis Bank Vistara Credit Card is a travel-focused option with a higher annual fee. It offers Vistara Club Points and complimentary tickets, making it ideal for frequent flyers. In contrast, the Bank of Baroda RuPay Select Credit Card is more focused on domestic spending rewards and has a significantly lower fee. Choose the Axis Bank Vistara card for its travel perks if you frequently fly with Vistara, but opt for the Bank of Baroda card if you want a more versatile rewards program with domestic benefits.
FAQ
What is the annual fee for the Bank of Baroda RuPay Select Credit Card?
The annual fee is ₹750 + GST, which is waived if you spend ₹75,000 annually.
How do I earn reward points with this card?
You earn 2 Reward Points for every ₹150 spent across all categories, with accelerated rewards available during select promotions.
Does this card offer airport lounge access?
Yes, the card provides 2 complimentary domestic airport lounge visits per quarter.
Are there milestone rewards available with this card?
Yes, you can earn bonus Reward Points upon reaching specific spending milestones, such as ₹1 lakh in a year.
Can I use this card internationally?
Yes, you can use the card internationally, but it has a foreign transaction fee of 3.5% + GST, and reward points are earned at the same rate as domestic spends. For more details you visit BOB Select Credit Card.
