Bank of Baroda Credit Cards review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bank of Baroda Credit Cards suit people in India who want a credit card with no recurring charge, since the monthly fee is INR 0. The catch is currency conversion at 3.49%, which makes this a card for spending at home rather than abroad.
Key facts
- Best for
- A credit card for everyday spending in the home market that costs nothing to hold.
- Monthly fee
- ₹0↗
- Currency conversion fee
- 3.49%↗
- Transfer fee
- 2.5% cash advance fee, min Rs 500↗
- Legal entity
- Bank of Baroda↗
- Headquarters
- India↗
- Founded
- 1908↗
- Pricing model
- No monthly fee
- Official website
- bankofbaroda.in
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- The monthly fee is INR 0, and the card sits at 1 of 500 on the monthly fee ranking.
- It comes from an established bank, Bank of Baroda, which has been trading since 1908.
- Most brands listed here carry no monthly fee, with 91.7% running on that model.
Cons
- Currency conversion costs 3.49%, close to the site maximum of 7%, and the card ranks 290 of 312 on that measure.
- Taking cash out on credit costs 2.5% cash advance fee, min Rs 500, so short-term borrowing is the costliest part of the card.
Ready to try Bank of Baroda Credit Cards?
Scored 9.3 / 10 by VaultCue.
Who it suits
- People in India who use a credit card mainly for everyday spending and want no monthly charge.
- Card holders who keep a balance in the home currency, since conversion is the weak spot.
- Anyone comfortable with a percentage fee and a floor on cash advances.
Who should look elsewhere
- People who pay abroad often, since conversion costs 3.49% here, so check XTB, whose monthly fee is €0, before settling.
- Euro-based spenders who would rather hold a card priced in euro, such as Skrill at €0 a month, rather than Indian rupees.
- Shoppers after a Spanish issued card: AXI Card Tarjeta y Credito lists €0 a month, so the market you are billed in matters more than the monthly fee.
How Bank of Baroda Credit Cards compares
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.0
9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 9.0Its monthly fee is €0 in euro, useful if you hold euro rather than Indian rupees.
9.3 vs 8.7
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.9
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.1- 9.3 vs 8.1
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 9.1
Where Bank of Baroda Credit Cards is available
- Available
- India
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Bank of Baroda Credit Cards cost to hold each month?+
The monthly fee is INR 0, so keeping the card open costs nothing in recurring charges. It ranks 1 of 500 on the monthly fee ranking, which is as low as this measure goes. Your costs come from how you use the card rather than from holding it.
How much does it cost to convert currency on this card?+
Conversion is charged at 3.49%, close to the highest figure on the site at 7%. If you settle a balance in a currency other than the one you spent in, that cost applies, so spending abroad is the expensive part of using this card.
Is there a charge for taking cash out on credit?+
Yes. Cash advances carry 2.5% cash advance fee, min Rs 500, while the monthly fee itself stays at INR 0. Borrowing cash this way is a costlier way to get money than paying for goods and services on the card.
Who issues the card and how long have they been around?+
The card comes from Bank of Baroda, a bank that has been trading since 1908. You are dealing with an established bank rather than a new financial technology name, and the charges are set under its own credit card schedule.
Which market is this card priced for?+
Pricing is built for the Indian market, and fees are quoted in Indian rupees, as the INR 0 entry shows. Support, fee levels and credit terms all follow the home market, which is worth weighing if you hold money in other currencies.
How does the monthly fee compare with the alternatives?+
AXI Card Tarjeta y Credito lists €0, XTB lists €0 and Skrill lists €0, all in euro. On monthly fee alone this card is level with them, so the deciding factors are conversion cost and the currency you actually hold.
How does the card score on cost?+
The cost part of the score is 3.5 and the overall score is 3.5. Those figures reflect a card with no monthly charge alongside one of the heavier conversion fees in the group, and that trade-off is what the score captures.
Are monthly fees usually free among the brands here?+
Yes. 91.7% of the brands listed run on a no monthly fee model, and the highest monthly fee on the site is €449. Holding costs are therefore rarely the reason to pick one card over another.
Sources
- bankcliq.com/credit-card/prime checked September 26, 2026
Backs: Currency conversion fee
“Forex Charges: 3.49% of the transaction value - PRIME card”
- en.wikipedia.org/wiki/Bank_of_Baroda checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Bank of Baroda - Wikipedia”
- finanjo.com/credit-cards/bob-unnati-visa-credit-card checked September 26, 2026
Backs: Transfer fee
“Cash Advance Fee: 2.5% of amount (min Rs 500) - Unnati card”
- bankbazaar.com/credit-card/bank-of-baroda-credit-card-fee... checked September 26, 2026
Backs: Pricing model, Monthly fee
“Bank of Baroda Vikram Credit Card | Nil | Nil”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currencies.
Related by the facts
Bank of Baroda Credit Cards
A credit card for everyday spending in the home market that costs nothing to hold.