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Premium Decision Grade Catalog
BANK OF BARODA
BOB Swavlamban Credit Card
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Verified Catalog
Source: BANK OF BARODA Official
Updated: Sep 2026
Overview
Editorial snapshot & Positioning.
Financial inclusion card for rural/urban low-income groups
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Zero annual fee card with basic benefits
Highlight 2
Unique feature allowing usage up to 105% of credit limit
Highlight 3
4 reward points on every ₹100 spent
Highlight 4
1% fuel surcharge waiver on all fuel transactions
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹250
The front-loaded charge when you apply.
Annual fee
₹250
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹250100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
No specific hotel loyalty benefits are registered.
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
No secondary fee details registered for this card.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Great entry-level premium card with excellent travel benefits including lounge access. Strong value from insurance coverage makes it ideal for frequent travelers. Comprehensive entertainment benefits and milestone rewards add significant value."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 2,500 IRCTC Points
- Base Rate: 3% travel value
- Accelerated Rewards Program: 10X on luxury spends
- Expert Opinion: Great entry-level premium card with excellent travel benefits including lounge access. Strong value from insurance coverage makes it ideal for frequent travelers. Comprehensive entertainment benefits and milestone rewards add significant value.
Cons
- Other Features: Private jet bookings
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Customer Reviews
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