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by Bank of Baroda · RuPay · Mid-tier · Retail
mid tierUPI
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Fees & charges

Joining fee₹700
Annual fee₹700
Fee waiverNo fee waiver
Forex markup3.5%
Finance charge3.75% p.m. (45% p.a.)
Cash advance fee2.50% of the withdrawn amount or Rs.500 whichever is higher
Late payment fee
Less than Rs.100NIL
Rs.100 to Rs.500Rs.100
Rs.501 to Rs.1,000Rs.400
Rs.1,001 to Rs.10,000Rs.750
Rs.10,001 to Rs.25,000Rs.950
Rs.25,001 to Rs.50,000Rs.1100
More than Rs.50,000Rs.1300

Rewards & Lounge access

Rewards5X Rewards i.e. 5 Reward Points per ₹100 on online spends; 1 RP per ₹100 on other categories; redeemable as cashback
Lounge accessNot applicable
NetworkRuPay
CategoryMid-tier
Card typeRetail

Key features

  • 5X Rewards i.e. 5 Reward Points per ₹100 on online spends; 1 RP per ₹100 on other categories; redeemable as cashback
  • 500 reward points on spends of Rs 5,000 within 60 days of card issuance