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Bank of Baroda

BOB Premier Credit Card

VisaMidCashback
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Annual Fee

₹999

Reward Type

Cashback

Forex

1.5%

Lounge

∞ dom · 2 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹999(waived ≥ ₹3,00,000)
Min Monthly Income₹30,000

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Category Multipliers

online3%travel3%

Redemption Values

vouchers₹0.25/pt
statement credit₹0.2/pt

Travel & Global

Forex Markup1.5%
Domestic LoungeUnlimited ✓
Intl. Lounge2 visits/yr
Lounge NetworkVisa

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

BOB Eterna Credit Card (92%) →IDFC First Classic Credit Card (92%) →IDFC First Millennia Credit Card (92%) →IDFC First Private Credit Card (92%) →Paytm SBI Credit Card (92%) →

💡 Fee Waiver Strategy

Spend ₹3,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹999 annual fee at the base reward rate of 1.5%, you need to spend ₹66,600 annually.

🎯 Pro Tips

  • ▸Maximize cashback on online shopping and dining.
  • ▸Use for international transactions to benefit from lower forex fees.
  • ▸Utilize lounge access for travel benefits.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹21,501

Effective Rate

1.8%

Ranked #24 of 173 cards⭐ Top 30

₹999 annual fee deducted from gross rewards value.

📊 Spending Scenarios - Real-World Returns

Moderate Spender (₹50K/mo)

Monthly: ₹50,000 · Annual: ₹6,00,000

1.25%
Effective Return
other: ₹15,000/moonline: ₹15,000/motravel: ₹10,000/moshopping: ₹10,000/mo
Annual Rewards Value₹7,500
After Fee (₹999)+₹6,501

3X on online + travel. Renewal bonus adds value.

🔄 Redemption Pathways - Value per Point

MethodValue
Gift VouchersBEST₹0.25/pt
Statement Credit₹0.20/pt

🏷️ Best For

shoppingtraveldiningcashback