# BOB credit cards: 12 cards, every rule dated · Brief 12 cards issued today, every one open to applications. 2 carry no annual fee and 7 come with airport lounge access. Every card Bank of Baroda (BOBCARD) issues today, lowest annual fee first. Each row is the bank’s own terms, with the day they were last read. 12 cards · current to 23 October 2026 ## Bank of Baroda (BOBCARD) credit cards (12) - [BOBCARD Prime](https://getbrief.cards/cards/bob-prime): Annual fee ₹0 · 2 RP/₹100 on all other categories · lifetime free · 3.5% forex · ✓ official · checked 16 July 2026 - [BOBCARD Scapia Credit Card](https://getbrief.cards/cards/scapia-bobcard): Annual fee ₹0 · 10 coins / ₹100 everyday (= 2% value back) on spends of ₹20 and above · under ₹20 earns nothing · lifetime free · 0% forex · lounge · verified · checked 9 September 2026 - [IRCTC BOBCARD (RuPay)](https://getbrief.cards/cards/bob-irctc-rupay): Annual fee ₹350 · 2 RP/₹100 (₹0.25/RP; 4 RP redeem for 1 IRCTC Travel Point on rail) · ₹350 fee · 3.5% forex · ✓ official · checked 16 July 2026 - [BOBCARD Cashback](https://getbrief.cards/cards/bobcard-cashback): Annual fee ₹499 · 1% on domestic in-store and international spends, uncapped (min ₹100) · ₹499 fee · 3.5% forex · verified · checked 16 July 2026 - [HPCL Energie BOBCARD](https://getbrief.cards/cards/bob-hpcl-energie): Annual fee ₹499 · 2 RP/₹150 general (₹0.25/RP) · ₹499 fee, waivable · 3.5% forex · lounge · ✓ official · checked 16 July 2026 - [BOBCARD Easy](https://getbrief.cards/cards/bob-easy): Annual fee ₹500 · 1 RP/₹100 all other categories · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 16 July 2026 - [BOBCARD Select](https://getbrief.cards/cards/bob-select): Annual fee ₹750 · 1 RP/₹100 (worth ₹0.20 each on Select, vs ₹0.25 on other BOBCARDs) · ₹750 fee, waivable · 3.5% forex · ✓ official · checked 16 July 2026 - [BOBCARD Premier](https://getbrief.cards/cards/bob-premier): Annual fee ₹1,000 · 2 RP/₹100 (₹0.25/RP cashback or catalogue) · ₹1,000 fee, waivable · 3.5% forex · lounge · ✓ official · checked 16 July 2026 - [BOBCARD Eterna Credit Card](https://getbrief.cards/cards/bob-eterna): Annual fee ₹2,499 · 3 RP / ₹100 all other eligible spends · ₹2,499 fee, waivable · 2% forex · lounge · 1 status · verified · checked 16 July 2026 - [BOBCARD Tiara](https://getbrief.cards/cards/bobcard-tiara): Annual fee ₹2,499 · 3 RP / ₹100 (0.75%) · ₹2,499 fee, waivable · 2% forex · lounge · verified · checked 16 July 2026 - [BOBCARD Etihad Guest](https://getbrief.cards/cards/bobcard-etihad-guest): Annual fee ₹2,500 · 1 Etihad Guest mile/₹100 on all other spends · domestic and international earn the same, no separate intl rate · ₹2,500 fee, waivable · 1% forex · lounge · ✓ official · checked 1 September 2026 - [BOBCARD Etihad Guest Premium](https://getbrief.cards/cards/bobcard-etihad-guest-premium): Annual fee ₹5,000 · 2 Etihad miles / ₹100 · ₹5,000 fee, waivable · 0% forex · lounge · 3 statuses · ✓ official · checked 14 June 2026 Cards Bank of Baroda (BOBCARD) issues today, lowest annual fee first, then by name. ## What changed on these cards - [BOBCARD Eterna/Tiara lounge gate rises to ₹75K/quarter](https://getbrief.cards/changes/tiara-lounge-2026) · Lounge gating · 1 October 2026 · BOBCARD Tiara, BOBCARD Eterna Credit Card - [BOBCARD accidental-death cover ends for existing holders on 25 August](https://getbrief.cards/changes/bob-insurance-end-2026) · Devaluation · 25 August 2026 · BOBCARD Eterna Credit Card, BOBCARD Tiara, BOBCARD Premier, BOBCARD Select, BOBCARD Prime - [BOBCARD Etihad Premium: Gold fast-track now needs a ₹10,000+ etihad.com transaction](https://getbrief.cards/changes/bobet-gold-gate-2026) · Devaluation · 5 August 2026 · BOBCARD Etihad Guest Premium - [BOBCARD raises revolving interest to 3.75% a month on Eterna and Tiara](https://getbrief.cards/changes/bob-interest-2026-07) · Devaluation · 15 July 2026 · BOBCARD Eterna Credit Card, BOBCARD Tiara - [BOBCARD nearly doubles the spend needed for domestic lounge access](https://getbrief.cards/changes/bob-lounge-gate-2026-10) · Lounge gating · 15 July 2026 · BOBCARD Eterna Credit Card, BOBCARD Tiara - [BOBCARD telecom bills now earn reward points](https://getbrief.cards/changes/bob-telecom-apr26) · Improvement · 1 April 2026 · BOBCARD Select, BOBCARD Etihad Guest Premium, BOBCARD Etihad Guest - [Etihad’s India credit-card co-brand moved from SBI to BOBCARD](https://getbrief.cards/changes/etihad-bobcard) · Improvement · 30 January 2026 · BOBCARD Etihad Guest Premium - [Mastercard World-tier cards fast-track to GHA DISCOVERY status (to 31 Dec 2026)](https://getbrief.cards/changes/gha-mc-fasttrack-2026) · Improvement · 12 December 2023 · BOBCARD Etihad Guest Premium, BOBCARD Eterna Credit Card Every change, dated: https://getbrief.cards/changes ## Questions this page answers ### How many credit cards does Bank of Baroda (BOBCARD) issue? As of 23 October 2026, 12 cards, every one open to applications. ### Which Bank of Baroda (BOBCARD) credit cards are lifetime free? As of 23 October 2026, 2 of the 12: BOBCARD Prime and BOBCARD Scapia Credit Card. ### Which Bank of Baroda (BOBCARD) credit cards charge no forex markup? As of 23 October 2026, 2 of the 12: BOBCARD Scapia Credit Card and BOBCARD Etihad Guest Premium. ### Which Bank of Baroda (BOBCARD) credit cards come with airport lounge access? As of 23 October 2026, 7 of the 12: BOBCARD Scapia Credit Card, HPCL Energie BOBCARD, BOBCARD Premier, BOBCARD Eterna Credit Card, BOBCARD Tiara, BOBCARD Etihad Guest and BOBCARD Etihad Guest Premium. ### Which Bank of Baroda (BOBCARD) credit cards link to UPI? As of 23 October 2026, 5 of the 12 run on RuPay, which links to UPI: BOBCARD Prime, IRCTC BOBCARD (RuPay), HPCL Energie BOBCARD, BOBCARD Easy and BOBCARD Tiara. ## Other banks - [Axis Bank](https://getbrief.cards/axis-bank-credit-cards) - [SBI](https://getbrief.cards/sbi-credit-cards) - [HDFC](https://getbrief.cards/hdfc-credit-cards) - [Kotak](https://getbrief.cards/kotak-credit-cards) - [RBL](https://getbrief.cards/rbl-credit-cards) - [AU Bank](https://getbrief.cards/au-bank-credit-cards) - [ICICI](https://getbrief.cards/icici-credit-cards) - [IDFC FIRST](https://getbrief.cards/idfc-first-credit-cards) - [YES Bank](https://getbrief.cards/yes-bank-credit-cards) - [IndusInd](https://getbrief.cards/indusind-credit-cards) - [HSBC](https://getbrief.cards/hsbc-credit-cards) - [Amex](https://getbrief.cards/amex-credit-cards) - [Standard Chartered](https://getbrief.cards/standard-chartered-credit-cards) - [Federal Bank](https://getbrief.cards/federal-bank-credit-cards) - [DCB](https://getbrief.cards/dcb-credit-cards) --- Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page. Canonical: https://getbrief.cards/bob-credit-cards