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Bank of BarodaDebit card

Bank of Baroda bob Bhoomi RuPay Select Debit Card

Bank of Baroda's premium RuPay Select debit card with ₹1.5 lakh daily ATM and ₹5 lakh daily POS/e-commerce limits plus current spend-conditioned domestic and separately capped international airport-lounge access.

First-party evidencePublished researchReviewed September 11, 2026Active
Open primary bank source ↗Bank dossier
Cost / charges₹500 + applicable taxes issuance fee; first-year annual fee waived and ₹500 + taxes from the second year; ₹200 + taxes re-issuance fee on the reviewed product page.
Linked accountThe card is issued against an eligible linked Bank of Baroda account; scheme code and mode of operation determine eligibility rather than a separate card balance.
Transaction limits₹1,50,000 daily ATM cash-withdrawal limit and ₹5,00,000 daily POS/e-commerce transaction limit on the reviewed product page.
Core benefitsOne domestic airport lounge visit per quarter after ₹5,000 or more eligible POS/e-commerce spend in the previous quarter (effective 3 November 2025), plus two international airport lounge visits per calendar year (effective 1 April 2025), alongside RuPay Select lifestyle benefits.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 11, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 10, 2026.

Critical decision facts

Card cost, linked account, limits and usable benefits come as one package.

The debit-card proposition depends on the account relationship and the exact ATM, POS, international or lounge conditions attached to this variant.

01 · Cost / charges₹500 + applicable taxes issuance fee; first-year annual fee waived and ₹500 + taxes from the second year; ₹200 + taxes re-issuance fee on the reviewed product page.
02 · Linked accountThe card is issued against an eligible linked Bank of Baroda account; scheme code and mode of operation determine eligibility rather than a separate card balance.
03 · Transaction limits₹1,50,000 daily ATM cash-withdrawal limit and ₹5,00,000 daily POS/e-commerce transaction limit on the reviewed product page.
04 · Core benefitsOne domestic airport lounge visit per quarter after ₹5,000 or more eligible POS/e-commerce spend in the previous quarter (effective 3 November 2025), plus two international airport lounge visits per calendar year (effective 1 April 2025), alongside RuPay Select lifestyle benefits.
Exact product-type evidence

Debit card evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Source-dated lounge entitlement

Current lounge access conditions

Status: Active · Reviewed September 11, 2026. Lounge access is an effective-dated relationship, not a permanent property of the card.

Domestic airport1 complimentary domestic airport lounge visit per quarter after ₹5,000 or more eligible POS/e-commerce spend in the previous quarter.
International airport2 complimentary international airport lounge visits per calendar year.
Railway loungeThe reviewed Bank of Baroda product page does not publish a separate railway-lounge quota; the engine does not infer one from RuPay network branding.
Visit quotaDomestic 1/quarter when qualified; international 2/year.
QualificationDomestic: ₹5,000 or more POS/e-commerce spend in the previous quarter, effective 3 November 2025. The reviewed page does not state a minimum spend for the two annual international visits.
Network / programmeRuPay Select / participating RuPay lounges.
Access methodEligible RuPay Select card at participating programme lounges under current RuPay/issuer validation.
Guest / add-onNo complimentary guest entitlement is stated on the reviewed Bank of Baroda product page.
Beyond allowanceAny access beyond the published allowance follows current lounge/network pricing.
Effective stateDomestic rule 2025-11-03; international rule 2025-04-01
Scope checks
  • Airport and railway lounge benefits are stored separately; the bank's current page supports the airport quotas only.
  • Network lounge lists and access mechanics can change without changing the debit-card ATM/POS limits.
Compare lounge entitlementsOpen lounge source ↗
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / charges₹500 + applicable taxes issuance fee; first-year annual fee waived and ₹500 + taxes from the second year; ₹200 + taxes re-issuance fee on the reviewed product page.
Linked accountThe card is issued against an eligible linked Bank of Baroda account; scheme code and mode of operation determine eligibility rather than a separate card balance.
Core benefitsOne domestic airport lounge visit per quarter after ₹5,000 or more eligible POS/e-commerce spend in the previous quarter (effective 3 November 2025), plus two international airport lounge visits per calendar year (effective 1 April 2025), alongside RuPay Select lifestyle benefits.
Transaction limits₹1,50,000 daily ATM cash-withdrawal limit and ₹5,00,000 daily POS/e-commerce transaction limit on the reviewed product page.
EligibilityIndividuals maintaining specified eligible Bank of Baroda savings/current relationships and allowed operating modes; final eligibility is determined by the account scheme code and mode of operation.
Account relationshipThe lounge entitlement belongs to this exact bob Bhoomi RuPay Select debit-card variant. It must not be transferred to the bank's RuPay Platinum card, whose airport-lounge benefit is currently discontinued.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Eligible Bank of Baroda savings/current-account customers who want a high-limit RuPay Select debit card and can naturally meet the current domestic-lounge spend condition.

Verify before relying
  • Domestic lounge access requires ₹5,000 of eligible POS/e-commerce spend in the previous quarter; ATM/cash activity is not a substitute for that published spend condition.
  • The bank page publishes airport entitlements but no separate current railway-lounge quota, so the engine does not infer one from RuPay network branding.
  • International acceptance, lounge locations and RuPay lifestyle benefits remain subject to current network/issuer programme rules.
First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcebankofbaroda.bank.in
Open source ↗02
Additional first-party evidencebankofbaroda.bank.in
Open source ↗03
Additional first-party evidencewww.rupay.co.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.