The Bank Of Baroda Premier Visa has a ₹1,000 annual fee (waived on ₹1.2 lakh annual spend), earns 2 Reward Point per ₹100, includes 1 airport lounge visit a quarter and charges a 3.5% forex markup.
| Annual fee | ₹1,000 |
|---|---|
| Joining fee | ₹1,000 |
| Annual fee waived | On ₹1.2 lakh annual spend |
| Base rewards | 2 Reward Point per ₹100 |
| Lounge access | 1 airport lounge visit a quarter |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
187 online offers across 156 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
- Swiggy: Flat Rs.75 discount · till 27 Dec
- Paytm: Save 50% · till 30 Dec
These are Bank Of Baroda's own offers and Visa network offers, so they apply to every Bank Of Baroda Visa card, not just this one. All Bank Of Baroda offers by category.
People Also Asked
More about the Bank Of Baroda Premier Visa Credit Card
Is the Bank Of Baroda Premier Visa Credit Card worth it in 2026?
Yes, the Bank Of Baroda Premier Visa Credit Card is worth it in 2026 if you frequently dine or travel. It offers 5X Reward Points on dining and travel, plus 2 Reward Points per Rs.100 spent. The Rs.1000 joining and annual fees can be waived by spending Rs.10000, making it cost-effective.
Who should get the Bank Of Baroda Premier Visa Credit Card?
This card is ideal for individuals who spend heavily on dining and travel. Frequent travelers benefit from 1 complimentary domestic airport lounge access per quarter. It suits users looking for accelerated rewards and occasional lounge access without a high fee.
How to maximise rewards on the Bank Of Baroda Premier Visa Credit Card?
To maximise rewards, use the card primarily for dining and travel expenses to earn 5X Reward Points. Also, ensure monthly spending exceeds Rs.10000 to waive the joining fee. Regular use on other purchases will earn 2 Reward Points per Rs.100 spent.
Is the Bank Of Baroda Premier Visa Credit Card better than a top competing premium card?
The Bank Of Baroda Premier Visa Credit Card offers competitive rewards on dining and travel with low fees and quarterly lounge access. However, some premium cards may offer more lounge visits or higher reward rates. It is better suited for moderate spenders seeking value without high fees.