If you want a credit card that includes airport lounge access, the Bank of Baroda Premier Credit Card is an option to consider. Built on the Visa Signature platform, it offers lounge visits and a set of Visa Signature benefits. Below is a concise review covering fees, rewards, lounge access, user experience and how to apply.
Table of Contents
- Joining Fees
- Rewards
- Airport Lounge Access
- Hands on Experience
- How to Apply?
- Bottomline
Joining Fees
| Joining Fee | INR 1000 + GST |
| Joining Fee Waiver | Spend INR 10,000 in 60 days |
| Renewal Fee | INR 1000 + GST |
| Renewal Fee Waiver | Spend INR 1,20,000 in 1 year |
Bank of Baroda’s spend-based joining and renewal fee waivers are a notable advantage. Meeting the required spending thresholds can effectively remove the fee, which makes the card more attractive for active cardholders.
Rewards
- Travel, dining and international spends: 2.5% (capped at 2,000 reward points per month)
- Other spends: 0.5%
The card performs well for travel, dining and international transactions thanks to the higher reward rate. For general everyday spending, the rewards rate is modest compared with some competing cards.
Airport Lounge Access
- Domestic: 2 lounge visits per quarter via Visa Signature
Access to airport lounges through the Visa Signature network is a key selling point of the BOB Premier card. When combined with the relatively low fee — often waivable — it becomes a cost-effective way to secure lounge access and other Visa Signature perks.
Hands on Experience
User feedback indicates mixed feelings. One cardholder, Satish Kumar, reported owning the Premier card for about ten months but found its benefits limited compared with other cards in his wallet. He eventually requested a downgrade to the Bank of Baroda Select card, which he found more rewarding. The switch was handled smoothly and the new card appeared in net banking within a week.
How to Apply?
You can apply for the Bank of Baroda Premier Credit Card either offline at a branch or online through Bank of Baroda’s credit card application portal.
Bottomline
- Cardexpert Rating: 3.5/5
Overall, the Bank of Baroda Premier Credit Card is not the strongest all-round card, but it offers a practical route to obtain domestic lounge access and Visa Signature privileges at a relatively low cost when the fee is waived. If lounge access is your primary requirement, it is worth keeping.
If you are being offered a BOB card as part of another product or cross-sell and want stronger rewards, consider the Bank of Baroda Select card instead. For higher annual spenders—around INR 5 lakh or more—the Eterna credit card may provide better value.
If you already have the Bank of Baroda Premier Credit Card, feel free to share your experience in the comments below.