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Bank of Baroda Credit Cards review

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

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Our verdict

Bank of Baroda Credit Cards suit a borrower in India with good credit who wants a revolving credit card that pays points on everyday spend. The annual fee of INR 500 decides whether the card earns its place in a wallet.

Key facts

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

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
WikipediaWikidataXLinkedInTrustpilot

Pros and cons

Pros

  • Points on selected categories at 15 points per Rs 100 on select categories
  • Phone and help centre support through phone and help centre
  • A credit card rather than a charge card, for revolving borrowing
  • Issued by an established bank founded in 1908

Cons

  • The annual fee of INR 500 makes it costlier than the fee free alternatives bunq, Varo Believe Secured Credit Card and Wise
  • The conversion fee of 2% to 3.5% applies on foreign spend
  • Borrowing costs sit at an APR of 42% to 45%, which is high against the cards median of 15.5%

Ready to try Bank of Baroda Credit Cards?

Scored 9.1 / 10 by SumCue.

See alternatives

Who it suits

  • Adults in India with good credit who want points on everyday spending
  • Holders who keep spending in the rupee and rarely convert currency
  • Anyone who can carry a revolving balance and clear it each month

Who should look elsewhere

  • Anyone in Europe or the UK, where none of the alternatives or this card apply in the same way
  • Travellers who convert currency often, given the 2% to 3.5% charge
  • People building credit or with thin files, since the card asks for good credit

Fees and currency costs

This is a credit card, so the annual fee is INR 500 and the interest rate is an APR of 42% to 45%. Spending in another currency adds a conversion fee of 2% to 3.5%. The median annual fee across the site is €0 and the median APR is 15.5%, so this card sits at the dearer end on both counts. Rewards pay as points at 15 points per Rs 100 on select categories.

Who runs it

The card is issued by THE BANK OF BARODA LIMITED, a bank headquartered in India and founded in 1908. Support runs on phone and help centre, so a card holder can pick up the phone or work through the help centre. The card kind is credit and the rewards type is points.

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

What does this card cost to hold?+

The annual fee is INR 500 on a credit card from Bank of Baroda. The card also charges interest at an APR of 42% to 45% on a balance you carry. For a card that costs nothing to hold, bunq and Wise both list an annual fee of €0 and £0.

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

The APR is 42% to 45% on this credit card. That compares with a median of 15.5% across the site and 16% across the credit card set. The card is a revolving one, so a balance that is not cleared each month keeps costing at that rate.

What happens when I spend in another currency?+

A conversion fee of 2% to 3.5% applies on foreign spending. The median conversion fee across the site is 1% and across the credit card ranking it is 2%. Frequent currency conversion therefore erodes the value of the points earn.

What rewards does the card pay?+

Rewards come as points at 15 points per Rs 100 on select categories, and the rewards type is points. It is a points scheme rather than cash back, so the value depends on what the points are redeemed for. The card kind is credit.

What credit do I need to be accepted?+

The card asks for good credit, listed as good. Cards that ask for no credit check are a different product, and a secured card such as Varo Believe Secured Credit Card suits a card holder building a record rather than borrowing at a high rate.

Who runs the card and how are they supervised?+

The issuer is THE BANK OF BARODA LIMITED, a bank headquartered in India and founded in 1908. The card is built for the Indian market rather than for UK or European residents, which is the main limit on who can hold it.

How do I get help with the account?+

Support runs on phone and help centre, giving a card holder a phone line and a help centre to work through. Questions about fees, the 42% to 45% or the points earn can be raised there, and the annual fee of INR 500 is worth checking against how often you will use the card.

Is this a credit card or a charge card?+

The card kind is credit, so it is a revolving credit card rather than a charge card. A balance is drawn down, repaid and redrawn, with the 42% to 45% applying while it is outstanding and the annual fee of INR 500 charged for holding the card.

Sources

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

Related by the facts

Bank of Baroda Credit Cards

Indian card holders with good credit who spend on select categories and value points

9.1/10See alternatives