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COFFERCards. Points. Value.
BOBCARD One credit card
BOBCARD

BOBCARD One

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Point

First-year fee

₹0

Nil

Annual fee

₹0

Nil

What it gives back

1 Reward Point per ₹50 · everyday spends

Read from 10 BOBCARD documents, last checked 14 Oct 2026.

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How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

1% forex markup: of the 291 other open cards whose forex markup we have read, 31 state a lower one, 2 state the same and 258 state a higher one.

Fees

  • Joining fee

    ₹0Nil

  • Annual fee

    ₹0Nil

  • Add-on card fee

    ₹0

Rewards

  • Reward rate

    1 Reward Point per ₹50 · everyday spends1 Reward Point for every ₹50 purchase.

  • Reward exclusions

    Reward points will not accrue for money transfers, rent payments, fuel purchases, cash withdrawals and digital wallet loading or top-up transactions; effective 29th August 2026, not for bills and utilities

  • Cashback redemption

    Rewards can be redeemed instantly for cash or purchases in the OneCard app.

  • Statement-credit redemption

    Pay with points: which lets you pay for previous transactions.

  • Point expiry

    Reward points do not expire and have lifetime validity (nullified if the BOBCARD One co-branded Credit Card is not used for more than 365 days)

  • Smallest number of points that can be redeemed

    No minimum threshold to redeem rewards; instant redemption in the OneCard app with zero redemption fee

Also included

  • Fuel surcharge waiver

    Lowest of 1% of the transaction amount or actual surcharge levied; maximum fuel surcharge waiver capped at ₹400 per calendar month per account

  • Purchase to EMI conversion

    Spends can be converted to EMI inside the OneCard app.

Charges

  • Forex markup

    1% on foreign currency transactions.

  • Cash advance fee

    2.5% of the withdrawn amount or ₹500 whichever is higher.

  • Interest on unpaid balance

    3.75% per month, 45% per annum.

  • Interest-free period

    Up to 48 days

  • Late payment fee

    With effect from 11/10/2026: ₹0 – ₹250: ₹0 · ₹251 – ₹1,000: ₹250 · ₹1,001 – ₹5,000: ₹700 · ₹5,001 – ₹10,000: ₹1000 · ₹10,001 – ₹15,000: ₹1,100 · ₹15,001 – ₹25,000: ₹1,200 · ₹25,001 and above: ₹1,300

  • Over-limit fee

    Over limit fee: 2.5% of overlimit amount (Min ₹500)

  • Card replacement fee

    Card replacement fee: first plastic card Nil, second plastic card ₹145, third plastic card onwards ₹500, metal card ₹3,000.

  • Education / school fee charge

    Education transaction fee (third-party apps): 1% of the transaction amount (applicable w.e.f 29/08/2026)

  • EMI conversion fee

    EMI charges are variable and are shown to the cardholder at the time the transaction is converted into an EMI in the OneCard app.

  • Reward redemption fee

    No fee is levied if you wish to redeem reward points.

  • Wallet load charge

    Wallet upload/transfer fee on cumulative spends of ₹10,000 or more per month: 2% of the transaction amount.

  • Rent transaction fee

    Rent transaction fee (third-party merchants): 2% of the transaction amount.

  • GST note

    Goods and Service Tax is applicable on all fees, interest and other charges

  • Minimum amount due

    Minimum Amount Due = 100% of (Fees + Charges + Interest) + 100% of GST + 100% of EMI + 2% of (Retail Spends + Cash Advance); where the MAD is ₹100 or below it is charged as ₹100, and where the Total Amount Due is ₹100 or lower the MAD equals the Total Amount Due

In the terms, not the brochure (1)

  • Whether carrying a balance ends the interest-free period

    Interest free period will not be available if the previous month’s outstanding amount is not paid in entirety; interest charges apply to the entire residual outstanding balance (excluding fees and taxes) and all subsequent transactions immediately incur interest until the prior full outstanding balance is cleared

How we know - 10 documents from BOBCARD, checked 14 Oct 2026

10 documents from BOBCARD, checked 14 Oct 2026.

  • Bobcard KFS 4x8 17jul20266 Oct 2026Proof
  • Bobcard One MITC29 Sep 2026Proof
  • Bobcard One Tcs29 Sep 2026Proof
  • Card pageProof
  • Key Fact StatementProof
  • MITCProof
  • Fees and charges pageProof
  • Lounge access termsProof
  • Card terms and conditionsProof
  • Reward points termsProof

On these lists

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₹0 for life

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