Looking for a reliable business expense solution? The BOBCARD Corporate Credit Card offers zero joining fee, 8 complimentary domestic lounge visits, strong insurance cover and easy reward redemption – making it a practical choice for Indian corporates, partnership firms and startups that already bank with Bank of Baroda. This complete 2026 review covers every fee, benefit, eligibility rule and drawback so you can decide confidently.
1. Brief Introduction (Card Overview)
2. Key Takeaways
- Best for: Corporates & partnership firms with Bank of Baroda relationship needing expense tracking
- Top Benefit: Zero joining fee + 8 domestic airport lounge visits per year
- Annual Fee: ₹1,000 + GST (waived on ₹1 lakh anniversary spends)
- Standout Feature: Corporate name embossing + categorised employee spending statements
- Verdict: Solid mid-tier corporate card if you already bank with BoB and can meet the ₹1 lakh spend for fee waiver
3. Fees & Charges
| Fee Type | Details |
|---|---|
| Joining Fee | Nil (Zero) |
| Annual / Renewal Fee | ₹1,000 + GST; waived on anniversary spends of ₹1,00,000 |
| Forex Markup Fee | 3.5% on the conversion amount (plus applicable GST) |
| Finance Charges (Interest) | 3.25% per month (approximately 39% per annum) |
| Reward Redemption Fee | Nil |
| Cash Advance Fee | 2.5% of amount (minimum ₹500) |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions between ₹400–₹5,000 (max ₹250 per statement) |
4. Cashback, Rewards & Discounts
5. Travel Benefits
6. Other Lifestyle & Special Perks
7. Eligibility Criteria
8. Drawbacks & Cons
9. Similar & Alternative Cards
10. Official Website & Essential Links
11. How to Apply
Online Steps:
- Visit the official BOBCARD Corporate page and click “Apply Now” or “Submit Enquiry”.
- Fill in the online application form with corporate and applicant details.
- Upload mandatory documents (photograph, PAN, address proof, etc.).
- Complete e-sign using Aadhaar if available and submit the application.
- Track status via the BOBCARD portal, app or toll-free numbers after receiving the reference number.
Documents Required:
12. Safety & Fraud Prevention Tips
13. Should You Get This Card? (Final Verdict)
Pros Summary: Best suited for corporates and partnership firms already banking with Bank of Baroda that need simple expense tracking, corporate name embossing, domestic lounge access and basic insurance cover without paying a joining fee.
Final Conclusion: The BOBCARD Corporate Credit Card is a practical mid-tier business card if you can comfortably meet the ₹1 lakh annual spend for fee waiver and value the lounge and tracking features. It is not the highest-rewarding card in the market, so pure reward seekers or those without a BoB relationship should explore alternatives. Always verify the latest fees and terms on the official website before applying.
14. Frequently Asked Questions (FAQs)
Q: Can this card be obtained as Lifetime Free?
A: No. The joining fee is zero, but the annual fee of ₹1,000 + GST applies from the second year unless you spend ₹1,00,000 or more in the anniversary year to get it waived.
Q: What is the annual fee of the BOBCARD Corporate Credit Card?
A: The annual / renewal fee is ₹1,000 + GST. It is waived if anniversary spends reach ₹1,00,000.
Q: How many lounge visits do I get with the BOBCARD Corporate Credit Card?
A: You get 8 complimentary domestic airport lounge visits per year (2 per quarter). From 1 January 2025 this benefit requires minimum spends of ₹20,000 in the preceding calendar quarter.
Q: Is the BOBCARD Corporate Credit Card available on RuPay network?
A: Yes. BOBCARD has launched a Corporate Credit Card on the RuPay network that also supports UPI linkage for convenience.
Q: Who is eligible for the BOBCARD Corporate Credit Card?
A: Indian residents aged 21–60 years whose corporate entity holds a Bank of Baroda relationship (Current Account, CC/OD or Fixed Deposit). Sole proprietorships are generally not eligible.
Q: What is the forex markup on the BOBCARD Corporate Credit Card?
A: 3.5% on the conversion amount (plus applicable GST). This makes it less suitable for frequent international spends.
Q: How do I redeem reward points on this card?
A: Reward points can be redeemed as cashback at the rate of 1 Reward Point = ₹0.25 through the BOBCARD portal or app. There is no redemption fee.
Q: Does the card offer any insurance benefits?
A: Yes. It provides ₹1 Crore air accident death cover and ₹10 Lakh non-air accident death cover as per the product features listed on the official site.
15. Expert Help & Next Steps
Still Confused? Not sure if this credit card is the right choice for your spending habits?
₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.
16. Disclaimer
Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, and terms & conditions (T&C) are subject to change by respective banks over time. Always check the official website of the relevant bank to review all rules thoroughly before applying for any card. We are not responsible for any financial losses or approved/rejected applications.
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