Upcoming Devaluations and Changes for the Bank of Baroda Credit Cards

Bank Of Baroda has recently shared the following upcoming changes in Bank of Baroda Credit Cards , effective January 1, 2025

• YOU CAN NOW ENJOY UNLIMITED REWARD POINTS ON UPI TRANSACTIONS! We’ve
  removed the earlier cap of 500 Reward Points per statement cycle, allowing you to earn
  more on your UPI spends.
• Core Reward Points (RP) will not be offered for wallet loading transaction (MCC’s 6539,
  6540, 6541, 6542).
• Golf benefits on the below mentioned BOBCARDs will be discontinued:
  ETERNA, ETERNA FD, YODDHA, THE SENTINEL, and RAKSHAMAH
• 1% processing fees will be levied on Wallet loading Transactions (MCC’s 6539, 6540, 6541,
  6542)
• 1% (Maximum ₹3000 per transaction) Processing fee will be levied to Utility transactions
  (MCC 4900) where transaction amount is ₹50,000 or higher
• 1% processing fee per transaction will be levied on fuel transactions (MCC 5172, 5541, 5542,
  5983) where transaction amount is ₹10,000 or higher. Please note, this change is not
  applicable to HPCL ENERGIE BOBCARD.

Does the above changes affect the Bank of Baroda Snapdeal Rupay Card usage the most?

P.S. Let me know if this is a repost, I will remove it. I did a search and did not find any mention of these changes in the search results.