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Bank of Baroda Credit Card Fees and Charges

Bank of Baroda offers a wide range of credit cards to customers that come with certain fees and charges. Cardholders can avail themselves of the services of features of these cards by paying these charges. 

Updated On - 18 Feb 2026

Bank of Baroda (BoB) charges certain fees on availing specific services and features offered by BoB credit cards. BoB charges joining fees on credit cards starting from Rs.249 and interest rates ranging between 3.25% to 3.75% per month. Here are more details about the fees and charges of BoB credit cards. 

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Annual and Joining Fee 

Cardholders need to pay a certain fee during card activation and a specific amount yearly to maintain the car. These fees are charged by the Bank of Baroda, and the fees vary depending on the card variant.  

Credit Card 

Joining Fee 

Annual Fee 

Bank of Baroda Vikram Credit Card 

Nil 

Nil 

Indian Army Yoddha BoB Credit Card 

Nil 

Nil 

Snapdeal BoB Credit Card 

Rs. 249 

Rs. 249 

BoB Swavlamban Credit Card 

Rs. 250 

Rs. 250 

HPCL BoB Energie Credit Card 

Rs. 499 

Rs. 499 

IRCTC BOB Credit Card 

Rs. 500 

Rs. 350 

BoB Easy Credit Card 

Rs. 500 

Rs. 500 

BoB PREMIER Credit Card 

Rs.1000 

Rs.1000 

BoB SELECT Credit Card 

Rs.750 

Rs.750 

BoB PRIME Credit Card 

Nil 

Nil 

Note: Bank of Baroda charges zero fees on add-on cards and visit the bank’s website for details of annual and joining fees for all Bank of Baroda credit cards.

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Interest Rate

Bank of Baroda charges interest rates to the credit cards if the full outstanding amount is not paid by the due date. The charges may vary depending on the card variants and is listed in table below: 

Credit Cards 

Interest Rate 

Eterna, Tiara 

3.25% per month (39% per annum) 

All other Credit Cards 

3.75% per month (45% per annum) 

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Late Payment Fee

If the cardholder fails to make payment of outstanding credit card balance within due date, then Bank of Baroda charges late payment fees on outstanding balance. The details of Bank of Baroda credit card late payment fees are mentioned below: 

For Outstanding Balance 

Late Payment Amount 

Less than Rs.100 

Nil 

Rs.100 to Rs.500 

Rs.100 

Rs.501 to Rs.1,000 

Rs.400 

Rs.1,001 to Rs.10,000 

Rs.750 

Rs. 10,001 to Rs.25,000 

Rs.950 

Rs.25,001 to Rs.50,000 

Rs.1,100 

More than Rs.50,000 

Rs.1,300 

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Overlimit Fee

On credit transaction above credit limit, Bank of Baroda charges overlimit fees on credit card at 2.50% of overlimit amount (minimum of Rs.600). The outstanding amount does not include service charges, fees, GST (Goods and Services), or other charges. 

Foreign Currency Markup Fee

Bank of Baroda charges an extra charge on foreign currency transactions made using the Bank of Baroda credit cards and the charges are listed in the table below: 

Credit Card 

Foreign Transaction Charge 

Eterna, Varunah Premium, ICAI, ICSI, CMA, and Tiara 

2% of transaction amount 

Varunah Plus 

2.5% of transaction amount 

Yoddha, The Sentinel, Rakshamah, Vikram 

3.00% of transaction amount 

All other Credit Cards 

3.5% of transaction amount 

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Other Fees and Charges

The other fees and charges applicable on Bank of Baroda credit cards are mentioned in the below table: 

Fees and Charges 

Amount 

Cash Withdrawal Charges 

2.50% of the withdrawn amount 

Duplicate Bill 

Rs.25 per bill 

Surcharge on usage at Petrol outlets 

  1. IRCTC Cobrand Credit Card: 1% of fuel transaction amount (for transaction between Rs.500 and Rs.3000)
  2. Varunah(base variant): 1% of fuel transaction amount (for transaction between Rs.400 and Rs.5000)
  3. HPCL Energie Cobrand Credit card: 1% of fuel transaction (for transaction between Rs.400 and Rs.5000)
  4. All other credit cards: 1% of fuel transaction amount (for transaction between Rs.400 and Rs.5000) 

Cheque Return charges 

2% of the payment amount (minimum of Rs.500) 

Auto Debit/SI Bounce Fee 

2% of the payment amount (minimum Rs.500) 

Cash Payment Processing Fee 

Rs.250 per cash payment request 

Cheque Payment Processing Fee 

Rs.100 

Card Replacement Charges 

Rs.100 per card 

Charge Slip Retrieval charges 

Rs.250/- per Charge Slip 

Processing Fee on Rent Payments 

1% of the total transaction amount 

Processing Fee on Wallet Loading Transactions 

1% processing fees 

Processing Fee on Utility Transaction 

1%process feeNote: Maximum amount of Rs.3000 per transaction. Applicable to transactions amount of Rs.50,000 or more. 

Processing Fee on Fuel Transaction 

1% processing fee per transactionNote: Applicable for transactions of Rs.10,000 or more. Not applicable to HPCL ENERGIE BOBCARD. 

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FAQs on Bank of Baroda Credit Card Fees and Charges

  • How long is the interest-free or grace period for BoB credit cards?

    The interest-free period for BoB credit cards ranges from 20 to 50 days, depending upon date of transactions. 

  • Can I waive off the joining or annual fee of my Bob credit card?

    Yes, you can waive off your joining or annual fee of your BoB credit card depending on the card type as per the bank policy. As BoB does not offer joining or annual fee waiver for all credit cards. 

  • How is MAD (Minimum Amount Due) calculated for BoB credit cards?

    MAD for BoB credit cards are calculated by the using the formula: 

    100% of (all Fees or Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance). 

  • When will MAD and TAD be equal?

    If TAD (Total Amount Due) is Rs.200 or less, then MAD and TAD will be equal. 

  • How much fee do I need to pay for BoB Cashback credit card?

    For BoB Cashback credit card, you need to pay either Rs.49 per month or a joining fee of Rs.499. The renewal fee waiver criteria are not applicable for this card. 

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