BOBCARD Assam Rifles The SENTINEL
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Open to new applications · Earns Reward Point
First-year fee
₹0
No feeAnnual fee
₹0
No feeWhat it gives back
2 Reward Point per ₹100 · everyday spends
Our calculation
0.5% value back
How it compares
Compared with the cards we have read
Fees
Joining fee
₹0No fee
Annual fee
₹0No fee
Add-on card fee
Up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)
Welcome offer
Welcome benefit
500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance.
Rewards
Reward rate
2 Reward Point per ₹100 · everyday spends2 Reward Point for every ₹100 spent on any other category.
Travel earning
Flight Booking Via BOBCARD SmartDeal: 8 points for every ₹100 · Hotel Booking BOBCARD SmartDeal: 20 points for every ₹100.
Reward exclusions
Reward program is not applicable on select MCCs and Fuel
Reward caps
5X Rewards are capped at 1000 Reward Points on the mentioned categories per month.
What one reward unit is worth
1 reward point = ₹0.25 when redeemed for cashback.
Cashback redemption
Reward points can be redeemed as cashback @₹0.25 per reward point.
Point expiry
Reward Points are valid only for 2 years from the date of accumulation
Card benefits
Domestic lounge access
8 Complimentary Access at Domestic Airport lounges per year (twice every quarter), subject to minimum spends of ₹20,000 in the preceding calendar quarter
Concierge
24/7 Assistance for Domestic & International Concierge Services (Powered by RuPay)
Milestone benefits
12 Months Amazon Prime Membership on spending min. ₹1 Lakh within 90 days
Movie or entertainment ticket benefit
5X Rewards, i.e. 10 Reward Points per ₹100, on Departmental Stores and Movies.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).
Surcharge on railway tickets
1% fee (Subject to maximum ₹5000 per transaction) will be charged on railway bookings (MCC 4112) of ₹30,000 or higher (w.e.f 1st April 2026)
Air accident cover
Free Personal Accidental Death Cover (Air / Non-Air: 20 Lakhs)
Lost card liability
Zero Liability on lost card.
Add-on card eligibility
Add-on cards for your spouse, parents, siblings or kids (above age 18)
Purchase to EMI conversion
Purchases above ₹2,500 on the card can be converted into Smart EMIs of 6 to 48 months.
Charges
Forex markup
3% on foreign currency transactions.3.00% of transaction Amount
Cash advance fee
2.5% of the withdrawn amount or ₹500 whichever is higher.
Interest on unpaid balance
3.75% per month i.e. 45% per annum.
Interest-free period
Up to 50 days of interest free credit from the date of any purchase
Late payment fee
Less than ₹100: NIL · ₹100 to ₹500: ₹100 · ₹501 to ₹1,000: ₹400 · ₹1,001 to ₹10,000: ₹750 · ₹10,001 to ₹25,000: ₹950 · ₹25,001 to ₹50,000: ₹1,100 · More than ₹50,000: ₹1,300.
Over-limit fee
2.5% of the amount over & above the sanctioned credit limit or ₹600, whichever is higher. Overlimit upto 5% of credit limit
Payment return or dishonour fee
Cheque return: 2% of the payment amount subject to min of ₹500. Auto Debit/SI bounce: 2% of the payment amount subject to min of ₹500, applicable only once per Statement cycle per card & only in case Auto debit/Standing instruction fails due to insufficient balance in the Customer’s Account
Statement or duplicate statement fee
₹25 per Bill
Card replacement fee
₹100/- per card
Cash payment / cash deposit fee
₹250 for every Cash payment.
Cheque payment / dishonour fee
₹100 for every Cheque payment.
Education / school fee charge
1% fee (subject to maximum of ₹5000 per transaction) will be charged on online education fee payments via Third party payment apps - Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, Phonepe, SuperPe (w.e.f 1st April 2026)
Reward redemption fee
No Fee
Wallet load charge
1% processing fees will be levied on Wallet loading Transactions.
What the card's fee or benefit year means
Card Anniversary year is considered from the Card issuance date
Fuel transaction fee
1% processing fee per transaction will be levied on fuel transactions (MCC 5172, 5541, 5542,5983) where transaction amount is ₹10,000 or higher.
Rent transaction fee
A fee of 1% of the total transaction amount will be levied on all rent payment transactions (Merchant Category Code or MCC 6513) done using your BOBCARD Card.
Utility transaction fee
1% (Maximum ₹3000 per transaction) Processing fee will be levied to Utility transactions (MCC 4900) where transaction amount is ₹50,000 or higher
GST note
18% (applicable on all fees, interest & other charges)
Grace days after the due date
Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)
Minimum amount due
100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance), or ₹200 whichever is higher
Eligibility
Eligibility
Designated Personnel of the Assam Rifles and Assam Rifles Veterans.
Minimum age
18 to 70 years (Primary Cardholder)
Documents required
Mandatory proof: passport size photograph, PAN Card, ID card.
In the terms, not the brochure (3)
Spend that unlocks lounge visits in the next period
Complimentary lounge access is subject to minimum spends of ₹20,000 in the preceding calendar quarter, effective 1st Jan, 2025
What happens to unredeemed points if the card is closed
Reward Points earned but not redeemed at the time of death of the card member or card closure (bank/customer initiated) shall be forfeited.
Whether carrying a balance ends the interest-free period
Interest-free credit period is suspended if any balance of the previous month’s bill is outstanding, i.e.
How we know - 8 documents from BOBCARD, checked 18 Oct 2026
₹0 for life
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