BoB Select Review 2026
Last reviewed:
Quick verdict
An affordable entry-level card with practical utility bill cashback for everyday expenses. The ₹75,000 spend requirement for annual fee waiver is achievable for most working professionals. A sensible choice for those who want a basic, reliable credit card from a trusted PSU bank.
Pros
- Airport lounge access: 2 domestic per year
- Welcome benefit: 500 reward points on first spend
- Accessible eligibility — minimum income around ₹15,000/month
Cons
- 3.5% + GST forex markup makes it expensive abroad
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
Fees & charges at a glance
| Joining Fee | ₹499 + GST |
|---|---|
| Annual Fee | ₹499 + GST |
| Rewards | 2 reward points per ₹100 spent |
| Welcome Benefit | 500 reward points on first spend |
| Lounge Access | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹15,000/month |
| Network | Visa |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The BoB Select is best suited for everyday spending. It is a entry level card on the Visa network, and Bank of Baroda generally looks for a minimum income of ₹15,000/month. If your spending matches its reward categories (2 reward points per ₹100 spent), the card can pay for its annual fee of ₹499 + GST. If not, a lifetime-free card may give you better net value.
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BoB Select: frequently asked questions
What is the annual fee of the BoB Select?
The BoB Select has a joining fee of ₹499 + GST and an annual fee of ₹499 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with Bank of Baroda.
What rewards does the BoB Select give?
2 reward points per ₹100 spent. Annual fee waiver on ₹75,000 spend. 2% cashback on utility bill payments.
Does the BoB Select offer airport lounge access?
Yes. The BoB Select offers 2 domestic per year. Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with Bank of Baroda.
What is the eligibility and minimum income for the BoB Select?
Bank of Baroda typically requires a minimum income of ₹15,000/month for the BoB Select, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the BoB Select?
The BoB Select charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the BoB Select?
The foreign currency markup on the BoB Select is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the BoB Select to UPI?
No. The BoB Select runs on the Visa network. Only RuPay credit cards can be linked to UPI in India at present.
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