BOBCARD One Co-branded Credit Card (OneCard): rewards, caps and exclusions

What it earns

≈ marks a rate paid in points, valued at ₹0.1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Money transfers
• Rent
• Fuel
• Cash withdrawals and fees
• Wallet loads
• Utility bills (since 29 August 2026)

What costs extra

Worse than earning nothing: Bank of Baroda charges a fee for these.

• 2% on Rent Transaction fee (third-party merchants), plus GST
• 2% on Wallet upload/transfer fee, plus GST
• 1% on Education Transaction Fee (third-party apps), plus GST

Fees

• Annual fee: none
• Joining fee: none

Where this comes from

Transcribed from Bank of Baroda's own documents and checked against them on 12 November 2026:

• product page, bobcard.co.in
• BOBCARD One MITC, media.bobcard.co.in (PDF)
• BOBCARD One KFS, media.bobcard.co.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Bank of Baroda's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

We know this card's rules, but we don't read Bank of Baroda's mail yet, so the audit can't check your swipes on it. Which banks we read

Other Bank of Baroda cards

Every card we have rules for