PREMIER Credit Card
Rs 1,000Annual fee
Rs 1,20,000Fee waiver spend
4Domestic lounge
3.5%Forex markup
Best for
Travel, Dining, International Spends, Lounge
Top rewards
Travel, Dining, And Abroad (international) Spends: 10 Reward Points / ₹100; Other Eligible Spends: 2 Reward Points / ₹100
Icon Credit Card
Rs 5,000Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary visits per quarter, unlocked by spending ₹35,000 or more in the previous calendar quarter
2%Forex markup
Best for
Dining, Travel, Lounge, Golf
Top rewards
Dining Spends On Weekends: 20 Reward Points / ₹100 spent; International Spends: 20 Reward Points / ₹100 spent; Other Eligible Retail Spends (including Weekday Dining): 2 Reward Points / ₹100 spent
| Feature | PREMIER Credit Card | Icon Credit Card |
|---|---|---|
| Issuer | Bank of Baroda | RBL Bank |
| Network | Visa | Visa |
| Joining fee | Rs 1,000 | Rs 5,000 |
| Annual fee | Rs 1,000 | Rs 5,000 |
| Fee waiver spend | Rs 1,20,000 | - |
| Reward type | Reward Points | Reward Points |
| Best for | Travel, Dining, International Spends, Lounge | Dining, Travel, Lounge, Golf |
| Top reward categories | Travel, Dining, And Abroad (international) Spends: 10 Reward Points / ₹100; Other Eligible Spends: 2 Reward Points / ₹100 | Dining Spends On Weekends: 20 Reward Points / ₹100 spent; International Spends: 20 Reward Points / ₹100 spent; Other Eligible Retail Spends (including Weekday Dining): 2 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 4 | 8 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 2% |
| Milestone benefits | First year fee reversal on spending ₹10,000 within first 60 days, Annual fee waiver on spending ₹1,20,000 in a year | Earn 10,000 bonus reward points on annual spends of ₹3 Lakhs, Earn additional 15,000 bonus points on annual spends of ₹5 Lakhs, Earn additional 20,000 bonus points on annual spends of ₹8 Lakhs |
| Redemption | Statement credit: upto ₹ 0.25 per point | Not Listed |
| Key exclusions | fuel transactions do not earn reward points, accelerated reward points are subject to monthly cap, taxes and charges excluded as per BOBCARD terms | Fuel transactions, Utility bill payments, Insurance spends, Rent and real estate payments, Education payments, Wallet loading |