BOBCARD Premier (FD Backed)
BOBCARD (Bank of Baroda) · Closed to new applicants
The fixed-deposit-backed version of BOBCARD Premier: no joining or annual fee and the same earn rates and caps as the unsecured card. Listed by BOBCARD only in its fee and reward tables.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 2 points per ₹100 on other spends: 2 BOBCARD Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹20,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 points per ₹100 on international spends: 10 BOBCARD Reward Points per ₹100 (about 2.5% at cash value)
- 10 points per ₹100 on dining (MCC 5812): 10 BOBCARD Reward Points per ₹100 (about 2.5% at cash value)
- Extra 10 points per ₹100 on hotels booked on BOBCARD SmartDeal: 10 BOBCARD Reward Points per ₹100 on top of the base rate (about 2.5% at cash value)
- Extra 4 points per ₹100 on flights booked on BOBCARD SmartDeal: 4 BOBCARD Reward Points per ₹100 on top of the base rate (about 1% at cash value)
Earns nothing on
- No points on fuel (MCCs 5172, 5541, 5542, 5983)
- No points on rent (MCC 6513)
- No points on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
- No points on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
- No points on wallet loads (MCCs 6539 to 6543)
- No points on insurance (MCCs 5960, 6300)
- No points at supermarkets, convenience and variety stores (MCCs 5261, 5331, 5411, 5499)
- No points on toll and road fees (MCC 4784)
- No points on railway bookings (MCC 4112)
- No points on fast food (MCC 5814), taken to include Swiggy and Zomato
Terms the calculator does not value
- The statement-cashback value (₹0.25 a point) and the accelerated rate (5X of its 2-point core rate, 10 points per ₹100) are the parent Premier card's: the Aug 2025 reward T&C (s6) calls the accelerated rate "5X" and lists this variant in the same row as Premier, and the Nov 2026 T&C lists the same categories and cap, but no document that covers the FD-backed variant states the point value.
- The SmartDeal tables name Premier (8 and 20 points per ₹100) but not Premier (FD Backed), so this variant is taken to fall under "All other products" (4 and 10 points per ₹100).
- 10 points per ₹100 also apply at travel agencies and tour operators (MCC 4722). No calculator category isolates that MCC, so travel bookings earn the core rate here.
- Food delivery apps (Swiggy, Zomato) are assumed to be fast food, MCC 5814, and so excluded from all points.
- Other MCCs that earn nothing and have no calculator category: agriculture, contractors, the transportation MCCs 4111, 4131 and 4789, personal and civic services (7211, 7230, 7276, 7349, 8111, 8641), hospitals (8011, 8062; our health category also holds pharmacies and is not excluded) and charity (8398, 8661). Transactions under ₹100 earn nothing.
Sources
- BOBCARD Key Fact Statement (PDF created 17 Jul 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- BOBCARD Consolidated MITC, version GENERIC MITC 2.0 JULY2026 (PDF created 7 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- BOBCARD Product Features, Important Terms and Conditions (2 Nov 2026 edition) (Reward terms, the bank's own, read 6 Nov 2026)
- BOBCARD notice, Revision in Product Features and Charges w.e.f. 1st April 2026 (PDF created 2 Mar 2026) (Bank notice, the bank's own, read 6 Nov 2026)
- BOBCARD Premier product page (the parent card; the FD-backed variant has none) (Product page, the bank's own, read 6 Nov 2026)
- BOBCARD Product Features, Important Terms and Conditions (Aug 2025 edition) (Reward terms, the bank's own, read 6 Nov 2026)