Bank of Baroda Premier Credit Card Review
Travel card with lounge access
The Bank of Baroda Premier has a ₹1,000 annual fee + GST, waived on ₹1,20,000 annual spend. It earns 0.5% back on regular spends and up to 2.5% on Dining, with 4 domestic airport lounge visits a year. Best for: travel and dining spenders on rupay — our verdict: consider.
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A mid-tier RuPay travel card offering 5x on travel, dining and international up to a 2,000-point monthly cap, an easy Rs.1.2 lakh fee waiver and 4 domestic lounge visits. The ~0.5% base earn and category exclusions make it best for focused travel-and-dining spenders.
Travel card with lounge access
The Bottom Line
The Bank of Baroda Premier is built for travel and dining spender and mid-tier rupay user. With a ₹1,000 annual fee that is waived on ₹1,20,000 yearly spend, it offers 2.5% rewards on dining and 500 bonus points. It makes the most sense if your spending matches travel and dining spender and mid-tier rupay user.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Travel and dining spender, Mid-tier RuPay user. The renewal fee gets easier to justify once you can hit ₹1,20,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers with regular travel, dining and international spends who can fill the 2,000-point monthly cap at ~2.5%.
Those earning Rs.7.2 lakh+ who can clear the easy Rs.1.2 lakh fee waiver and value 4 domestic lounge visits.
Probably not for
SkipWith fuel, utilities, rent, insurance and education all excluded, much everyday spending earns nothing.
The 3.5% forex markup undercuts the international category for heavy abroad use.
Is It Worth It For You?
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Reward Rates
Bank of Baroda Premier offers 0.5% basic reward rate.
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Welcome Offer
500 bonus Reward Points on spends of Rs. 5,000 or more within 60 days of card issuance. Joining fee of Rs. 1,000 reversed on spends of Rs. 10,000 within first 60 days.
Milestone Benefits
Annual fee of Rs. 1,000 waived on spends of Rs. 1,20,000 in each card anniversary year.
Complimentary domestic airport lounge access requires minimum quarterly spends of Rs. 20,000 (effective Jan 1, 2025).
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 750
- Age 18-65; min gross annual income ₹3L salaried; CIBIL 750+; Visa/RuPay; annual fee waived on ₹1.2L spend; LTF offers available.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹1,000 annual fee. Apply on the Bank of Baroda website.
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