Credit Cards · Honest Review
Bank of Baroda Cashback Credit Card
Bank of Baroda · Visa
Your Verdict
- ✓4% cashback on all online spends (capped ₹1,500/month)
- ✓1% cashback on offline spends
- ✓Fuel surcharge waiver up to ₹250/month
- ✓₹499 annual fee waived on ₹1.5L spend
What Bank of Baroda Cashback Credit Card costs you
Bank of Baroda Cashback Credit Card carries a ₹499 annual fee and a ₹499 one-time joining fee. The annual fee is waivable: Spend ₹1.5L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹499 |
| Joining fee (one-time) | ₹499 |
| Fee waiver condition | Spend ₹1.5L/year |
| Spend required for waiver | ₹1,50,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
Bank of Baroda Cashback Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Online Shopping | 4% (cap ₹1,500/mo) |
500 reward points on first transaction
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on Bank of Baroda Cashback Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Bank of Baroda Cashback Credit Card
Bank of Baroda Cashback Credit Card does not have a published minimum income requirement. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | Not specified |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get Bank of Baroda Cashback Credit Card
- → Heavy spenders on online shopping who want 4% back
- → Moderate spenders who can clear the fee waiver condition
- → Frequent flyers who need airport lounge access
Bank of Baroda Cashback Credit Card — Questions answered
What is the annual fee for Bank of Baroda Cashback Credit Card?
What is the minimum income required for Bank of Baroda Cashback Credit Card?
What is the reward rate on Bank of Baroda Cashback Credit Card for online shopping?
Does Bank of Baroda Cashback Credit Card provide airport lounge access?
How do I get the annual fee waived on Bank of Baroda Cashback Credit Card?
How long does it take to get Bank of Baroda Cashback Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.