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Bank of Baroda Credit Cards review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bank of Baroda Credit Cards is a straightforward credit card from an Indian bank, aimed at borrowers with good credit who want points on everyday spending rather than low costs. The annual fee of INR 500 and APR of 42% to 45% put it out of reach for anyone shopping on price.

Key facts

Best for
A points credit card for Indian borrowers with good credit who spend in select categories.
Annual fee
₹500 (Source, checked September 26, 2026)
APR
42% to 45% (Source, checked September 26, 2026)
Currency conversion fee
2% to 3.5% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
15 points per Rs 100 on select categories (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
THE BANK OF BARODA LIMITED (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Founded
1908 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Rewards
Official website
bankofbaroda.in

Apps and profiles

Elsewhere
WikipediaWikidataXLinkedInTrustpilot

Pros and cons

Pros

  • Points are paid on select categories, at 15 points per Rs 100 on select categories.
  • The credit bar is good, a level many applicants already meet.
  • The issuing bank has been running since 1908.
  • Help is a phone call or the help centre, through phone and help centre.

Cons

  • Annual fee of INR 500 a year, where Varo Believe Secured Credit Card charges $0 and Chime Card charges $0.
  • APR of 42% to 45% applies to anything left unpaid, so the cost rises fast on a carried balance.
  • Currency conversion of 2% to 3.5% makes foreign spend dearer than local spending.

Ready to try Bank of Baroda Credit Cards?

Scored 9.1 / 10 by DebitCue.

See alternatives

Who it suits

  • Borrowers with good credit who want a points card from an established bank.
  • Customers who clear the balance each month, since interest runs at 42% to 45%.
  • People happy with phone and help-centre support through phone and help centre.

Who should look elsewhere

  • Wise, for anyone who wants a card without an annual fee of £0 rather than pay one for points.
  • Varo Believe Secured Credit Card, if a lower cost card matters more than rewards on select categories, with an annual fee of $0.
  • Chime Card (Secured Visa Credit Card), if a secured card with an annual fee of $0 fits better than a high rate credit card.

Fees and currency costs

The card charges an annual fee of INR 500 a year. Anyone who carries a balance pays an APR of 42% to 45%, and foreign purchases add a currency conversion fee of 2% to 3.5%. Paying the balance in full each month keeps that interest rate from touching your own spending.

Who runs it

Bank of Baroda Credit Cards is issued by THE BANK OF BARODA LIMITED, a bank headquartered in India and founded in 1908. Support runs on phone and help centre: help comes by phone or through the bank's help centre, and questions about the card go to the issuer itself.

How Bank of Baroda Credit Cards compares

Where Bank of Baroda Credit Cards is available

Available
India

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much is the annual fee on Bank of Baroda Credit Cards?+

The annual fee is INR 500 a year on the card. That is the cost of keeping it, separate from any interest on a balance. Cards such as Wise list an annual fee of £0, so anyone who pays this fee without spending on it is better served elsewhere.

What rate do I pay if I carry a balance?+

The APR is 42% to 45% on this card, which applies to anything you do not pay off each month. Card users who clear the balance in full never meet that rate, so the cost of borrowing here is the real question to ask before applying.

What does it cost to spend in another currency?+

Foreign purchases are charged a currency conversion fee of 2% to 3.5%. If you pay in another currency often, that rate applies on top of any rewards on the spend. Cards built for conversion rather than rewards may serve that spending better.

What rewards does the card pay?+

Rewards are points rather than cash back, and the rate is 15 points per Rs 100 on select categories on select categories only. Points make up 19.8% of the reward types on the comparison, so anyone who wants money back on spending is better served by a cash back card.

What credit do I need to be accepted?+

The card asks for good credit, a level many applicants meet rather than an exception. Anyone with fair or poor credit is less likely to be accepted, so it is worth checking a file first. A secured card is the usual next step when that check does not pass.

How do I get help with the card?+

Support runs on phone and help centre, so a phone line and a help centre cover questions. There is no listed chat or email support, which makes a call the main route for anything urgent. Account and fee questions go through the same channels.

Who is behind Bank of Baroda Credit Cards?+

The card is issued by THE BANK OF BARODA LIMITED, a bank headquartered in India and founded in 1908. Support and account questions go to that bank directly, through phone and help centre. Card members in India deal with the issuer itself for every part of the account, from the application to the annual fee of INR 500.

Is there a fee free alternative to this card?+

Varo Believe Secured Credit Card lists an annual fee of $0, and Chime Card (Secured Visa Credit Card) lists $0. Wise also lists £0. None of them match the points on select categories here, so the trade is a fee for rewards.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Bank of Baroda Credit Cards

A points credit card for Indian borrowers with good credit who spend in select categories.

9.1/10See alternatives