Bank of Baroda Select vs RBL Platinum Maxima
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Bank of Baroda Select Credit Card wins 2 of 8 dimensions with a CardTrail Score of 5.7/10 vs 6.5/10.
| Feature | Bank of Baroda Select | RBL Platinum Maxima |
|---|---|---|
| CardTrail Score | 5.7/10 | 6.5/10 |
| Annual Fee | ₹750 | ₹2,000 |
| Base Reward Rate | 0.5% | 0.5% |
| Max Reward Rate | 2% | 1.25% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 1 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Mastercard |
When to Choose Bank of Baroda Select
- You can meet the fee waiver condition: Spend ₹70K/year
- You want higher rewards — up to 2% vs 1.25%
- Your primary spend is: general, lounge, rewards
When to Choose RBL Platinum Maxima
- Airport lounge access matters — 1 domestic visits
- Your primary spend is: travel, lounge
Annual Fee Value Analysis
To break even on Bank of Baroda Select's ₹750 fee at 0.5% rewards, spend ₹12,500/month.
To break even on RBL Platinum Maxima's ₹2,000 fee at 0.5% rewards, spend ₹33,333/month.