BOB Select Credit Card 2025
Save up to ₹30,000+ every year with 5X rewards, 8 lounge visits & completely free card!
If you want the highest reward rate + lounge access for zero fee, the BOB Select Credit Card is currently the best lifetime-free premium card in India!
You get 5X reward points on dining, online shopping & utility bills, ₹1,500 Amazon/Flipkart voucher on joining, 8 domestic lounge visits per year, 1% fuel waiver, low 2% forex markup, and right now available as Lifetime Free for most applicants.
Reward points = Real Cash – 1 point = ₹0.25, instant redemption!
Why This Is The Best Lifetime Free Premium Card in 2025?
5X dining/online/utility • ₹1,500 welcome • 8 lounge visits • Zero fee forever • 2% forex • Instant redemption
Best for: Online shoppers, diners, bill payers, lounge users, BoB customers
Lifetime Free – No joining or annual fee ever (current batch)
Card At a Glance
₹0 (LTF offer)
₹0 (Lifetime Free current)
5X dining/online/utility
Points (1 pt = ₹0.25)
8 Domestic/year
₹1,500 Voucher
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil (LTF offer) |
| Annual Fee | Nil (Lifetime Free current batch) |
| Welcome Benefit | ₹1,500 Amazon/Flipkart voucher |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
Detailed Reward Rates (2025)
- 5X Reward Points on Dining, Online Shopping, Utility Bills
- 1X Reward Points on all other spends
- 1 Reward Point = ₹0.25
- 8 domestic lounge visits per year (2 per quarter)
- No reward expiry
Airport Lounge Access
8 complimentary domestic lounge visits per year (2 per quarter)
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Purchase protection up to ₹50,000
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5X on dining, online, utility | Only domestic lounge |
| 8 lounge visits/year | 2% forex (not zero) |
| ₹1,500 welcome voucher | |
| Completely Lifetime Free | |
| Low 2% forex markup |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Income: ₹6 Lakh p.a. or existing BoB customer
- Credit Score: 750+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit Bank of Baroda → Credit Cards → Select
- Click Apply Now → Fill mobile & PAN
- Instant pre-approval → Video KYC
- Card delivered in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend on dining, online shopping & bills, BOB Select gives you 5X rewards + 8 lounge visits + ₹1,500 voucher + zero fee forever — easily the best lifetime-free premium card in India right now. Grab it before LTF offer ends!
Frequently Asked Questions (FAQs)
Is it really lifetime free?
Yes, current applications are approved as Lifetime Free.
5X on which categories?
Dining, online shopping, utility bill payments.
Lounge access?
8 domestic lounge visits per year.
Welcome benefit?
₹1,500 Amazon or Flipkart voucher.