Business Expenses
Joining Fee₹0
Renewal Fee₹500
NetworkVisa
Best for: Government undertakings, public sector employees, and corporate expense tracking
Rewards: N/A
Last verified 3 Oct 2026
4.3/5 Editorial Score
BOBCARD Corporate Credit Card
Enterprise Expense Automation with 4 Domestic Lounges & Consolidated Billing
Best Suited For
Corporate leadership, business travel expense management, enterprise procurement, and corporate travelers
Joining Fee
Free
One-time upfrontAnnual Fee
Free
Lifetime Free — no renewal feeBase Rewards
1 RP / ₹100 on retail transactions
On eligible spendsAirport Lounge
1 Domestic visits/quarter · ₹40k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Why Consider This Card?
Objective editorial assessment, ideal spender profile, and primary trade-offs
Editorial Verdict
4.3/5 Editorial Score
The BOBCARD Corporate Credit Card is an enterprise commercial card solution engineered by Bank of Baroda's card division for registered corporate entities, institutions, and their executive employees. Designed to simplify travel and entertainment (T&E) accounting, the card offers consolidated monthly electronic billing, detailed MIS spend tracking, and individual spending limits set by corporate administrators. Traveling executives receive 1 complimentary domestic airport lounge visit per calendar quarter (4 annually) at major Indian airport terminals, along with a 1% fuel surcharge waiver for enterprise fleet refuelling. Pricing and commercial terms are negotiated via master corporate arrangements. Who should consider it: Companies, commercial enterprises, and government institutions seeking automated expense tracking and airport lounge privileges for their executives. Who should avoid it: Individual retail consumers, freelancers, and sole proprietors who require personal consumer cashback or rewards.
Ideal For:Corporate leadership, business travel expense management, enterprise procurement, and corporate travelers
Card Strengths
- 4 Domestic Airport Lounge Visits: Cardholders receive 1 complimentary domestic airport lounge visit per calendar quarter.
- Automated Corporate Expense Tracking: Consolidated monthly billing statements and MIS reporting for corporate accounting.
- Tailored Corporate Pricing: Fees and commercial terms customized as per bilateral institutional agreements.
- 1% Fuel Surcharge Waiver: Save on enterprise vehicle refuelling with 1% waiver on transactions between ₹400 and ₹5,000.
- Comprehensive Travel Insurance: Complimentary air accident and emergency medical insurance cover for traveling employees.
Things to Keep in Mind
- Corporate Invitation Only: Not available to individuals; issued solely to approved corporate entities and their authorized employees.
- Quarterly Lounge Restriction: Domestic lounge visits are restricted to 1 visit per quarter.
- No International Lounges: Complimentary lounge privileges do not extend to international airport terminals.
- No Personal Reward Transfer: Reward points accrue to corporate accounts or as defined in the commercial master agreement.
Additional Cardholder Privileges
Lounge
8 Complimentary Domestic Lounge Visits / Year
2 complimentary domestic airport lounge visits per calendar quarter subject to ₹20,000 quarterly spend.
Insurance
Comprehensive Air Accident Insurance
Complimentary Air Accident Death Insurance Cover of up to ₹1 Crore for the traveling cardholder.
Other
50 Days Interest-Free Credit Period
Flexible cash flow management with up to 50 days of interest-free credit on corporate spending.
Fuel
1% Fuel Surcharge Waiver
1% waiver on fuel purchases between ₹400 and ₹5,000 at all fuel stations across India.
Rewards & Cashback Structure
Base earning rates, partner merchant acceleration, redemption options, and exclusions
- Reward Program Name
- BOBCARD Corporate Rewards
- Reward Currency
- BOBCARD Reward Points
- Base Earn Rate
- 1 RP / ₹100 on retail transactions
- Point Value (INR)
- ₹0.2500 per point
- Redemption Channels
- Corporate points redemption per company policy.
- Reward Point Expiry
- Valid for 24 months.
Category Accelerated Earn RatesPublished Terms
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Corporate Travel & Business Entertainment | 2 Reward Points per ₹100 spent on company travel and entertainment (0.50% value; 1 RP = ₹0.25) | No Cap | Standard terms apply |
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Estimate Your Custom Monthly Rewards
Calculate estimated net cashback and points across your actual spending pattern.
Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.
Reward Calculator
Estimate Your Annual Rewards
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Verified Rates & Caps
Quick Select:
Total Monthly Spend:₹30,000 / month
₹5,000 / mo₹1 lakh / mo₹2 lakh / mo
Category Spend Allocation
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
Corporate Travel & Business Entertainment0.50%
No published cap
₹
Excluded / Non-Reward Spends0%
Fuel, rent, wallet, govt, cash
₹
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Corporate Travel & Business Entertainment | ₹30,000 | 2 Reward Points per ₹100 spent on company travel and entertainment (0.50% value; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
Annual Spends
₹3.6 lakh
12 billing cyclesAnnual Capped Rewards
₹0
0% blended returnEffective Fee
₹0
Standard renewalNet Annual Value
+₹0 / yr
Rewards - Fee*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds (fee waived).
Multi-card comparatorAirport Lounge Access
Domestic and international lounge privileges, spend hurdles, and participating terminals
Domestic Lounge Access
Airports within India- Complimentary Visits
- 1 complimentary visit per quarter
- Spend Requirement
- ₹40,000 per Previous Calendar Quarter
1 complimentary domestic airport lounge visit per calendar quarter (4 per year)
International Lounge Access
Global airports outside India- Complimentary Visits
- 2 complimentary visits per quarter
- Spend Requirement
- ₹20,000 per Previous Calendar Quarter
- Access Type
- BOBCARD Corporate Airport Lounge Access Program
Planning an upcoming departure?
Verify this card against live departure gates and specific terminal lounges across India.
T3
Participating Lounges
Terminal 1, Terminal 4, T2
Participating Lounges
Terminal 2, Terminal 1C, Terminal 1B
Terminal 1
Participating Lounges
Terminal 1, Terminal 2, Terminal 3
Participating Lounges
Terminal 1, Terminal 2
T1
Participating Lounges
Terminal 1
Participating Lounges
Terminal 1, T2
Participating Lounges
Terminal 1, T2
Participating Lounges
Terminal 1
Participating Lounges
T1, T2
Participating Lounges
T1
Participating Lounges
Where can I use this card for airport lounge access?
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Domestic Allowance1 Domestic visits/quarter · ₹40k quarterly spend required
Airport Coverage40+ Major Indian Airports
Lounge DirectoryView All Lounge Coverage
Representative Major Airport Lounges:
Fees & Charges
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
1. Card Membership Fees
- Joining Fee (1st Year)
- Free
- Annual / Renewal Fee (2nd Year Onwards)
- Free
- Annual Spend Fee Waiver
- Lifetime Free — no renewal fee
- Fee Terms Notes
- Corporate expense management card; fees as per bilateral corporate master service agreement.
2. International Spends
- Foreign Currency Markup (Forex)
- 3.50% + GST
- Dynamic Currency Conversion (DCC)
- Standard 1% mark-up on cross-currency INR transactions where applicable
3. Borrowing & Financing
- Monthly Interest Rate (Finance Charges)
- 3.49% per month
- Annualized Interest Rate (APR)
- 41.88% p.a.
- Cash Advance / ATM Withdrawal Fee
- Refer to official schedule of charges
- Interest-Free Period
- Up to 50 Days
4. Other Charges & Taxes
- Late Payment Charges
- Refer to official schedule of charges
- Fuel Surcharge Waiver
- 1% waiver on fuel purchases between ₹400 and ₹5,000.
Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.
Verified Terms & Exclusions Summary
Key Terms & Conditions for BOBCARD Corporate Credit Card: • Eligibility: Exclusively for registered corporate entities, institutions, and their authorized employees via commercial contract. • Application Status: By Invitation / Corporate Account arrangement only. • Joining & Annual Fee: Commercial pricing as per corporate master service agreement (customary ₹0 arrangement for volume relationships). • Airport Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter (4 visits annually). • Consolidated MIS Reporting: Centralized electronic monthly billing and accounting data integration. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 across petrol pumps. • Finance Charges: Standard commercial credit tariff as per bilateral corporate agreement.
Is the Annual Fee Worth It?
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Eligibility & Application Requirements
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
- Age Requirement
- 21 – 65 years
- Employment Status
- Corporate Entity / Salaried Executive
- Recommended Credit Score (CIBIL)
- Not specified
- Residency
- Resident Indian Entity / Employee
- Special Eligibility Notes
- Issued under corporate liability or joint liability to authorized employees of registered corporate entities.
Mandatory Verification Documents
1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.
2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.
3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.
Frequently Asked Questions
Common questions regarding BOBCARD Corporate Credit Card application, fees, reward redemption, and eligibility
Can individuals apply for the BOBCARD Corporate Credit Card?
No, the BOBCARD Corporate Credit Card is issued exclusively to registered corporate entities, institutions, and their designated employees under commercial agreements.
What are the fees for BOBCARD Corporate Credit Card?
Fee structures are negotiated based on corporate volume and institutional relationship agreements, often featuring zero fee structures.
Does this corporate card offer airport lounge visits?
Yes, it provides 1 complimentary domestic airport lounge visit per calendar quarter (4 visits annually) across Indian terminals.
How does corporate billing work on this card?
The company receives consolidated electronic billing statements and MIS data, with liability assigned to the corporate entity.
What is the joining and annual renewal fee for BOBCARD Corporate Credit Card?
The joining fee for BOBCARD Corporate Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Can the annual fee on BOBCARD Corporate Credit Card be waived?
BOBCARD Corporate Credit Card is a Lifetime Free credit card with no annual renewal fee, so no spend-based waiver is required.
What are the primary rewards and cashback earn rates on BOBCARD Corporate Credit Card?
BOBCARD Corporate Credit Card offers 1 RP / ₹100 on retail transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Does BOBCARD Corporate Credit Card offer complimentary airport lounge access?
Yes, BOBCARD Corporate Credit Card provides 1 Domestic visits/quarter · ₹40k quarterly spend required.
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DIRECT BANK APPLICATION
Ready to Apply for BOBCARD Corporate Credit Card?
Direct online application on the official BOBCARD portal with paperless verification.
