Earn 5X Rewards 15 Reward Points per ₹100 on travel and international spends. Enjoy a reduced 2% forex markup on international transactions
Unlimited complimentary access to 60+ domestic airport lounges
Buy One Get One offer on movie tickets with District, up to ₹250 per month
Earn 5X Rewards 15 Reward Points per ₹100 spent on dining
Fees
Joining FeeFITPASS PRO complimentary 12-month membership, one-time on card issuance, 10,000 bonus reward points on spending ₹50,000 within the first 60 days
Free
Lifetime Free
Annual FeeAnnual fee waived on spending ₹2.50 lakhs in the preceding card anniversary year
₹2,949
₹2,499 + GST
Eligibility
Age
25-55 years
Salary
₹1L / Month
Credit Score
720+
Bank Fee Structure
Forex Markup2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (2%): ₹100 → ₹2 ₹1,000 → ₹20 ₹10,000 → ₹200 ₹1,00,000 → ₹2,000
2%
Finance Charges (APR)Finance charges of 3.25% per month (39% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.25%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card, minimum ₹500, if applicable
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal (subject to a minimum of ₹500)
2%
Cash PaymentA fee of ₹250 is levied for every cash payment made at Bank of Baroda branches
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹100
₹0
₹101 - ₹500
₹100
₹501 - ₹1000
₹400
₹1001 - ₹10000
₹750
₹10001 - ₹25000
₹950
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
