Spend ₹25,000 in the first 180 days and get your joining fee reversed***. Spend ₹1,50,000 in every card anniversary year and get your annual fee reversed***.
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
3 Reward Points per ₹100 · everyday spends3 Reward Points per ₹100 spent on any other category.
Fuel earning
Fuel Transaction are not eligible for Reward Points.
Groceries earning
Supermarket and convenience store: Cardholder will not earn any Reward points.
Online earning
15 Reward Points per ₹100 on online spends.
Reward earning on dining spends
15 Reward Points per ₹100 on your Dining Spends.
Reward earning on international spendsTravel earning
15 Reward Points per ₹100 on Travel, Online, Dining & International Spends.
Reward exclusions
Reward program is not applicable on select MCCs and Fuel
Reward caps
5X Rewards are capped at 2,500 Reward Points on the mentioned categories per statement cycle.
What one reward unit is worth
Reward points can be redeemed as cashback at ₹0.25 per reward point.
Cashback redemption
Reward points can be redeemed as cashback @₹0.25 per reward point.
Statement-credit redemption
Minimum reward points required for redemption against Card statement is 1000 Reward Points
Point expiry
Reward Points are valid only for 2 years from the date of accumulation
Card benefits+−
Domestic lounge access
Unlimited Complimentary Access at Domestic Airport lounges, subject to minimum spends of ₹75,000 in the preceding calendar quarter
Milestone benefits
12 Months Amazon Prime Membership on spending min. ₹1 Lakh within 90 days
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
All credit cards except Uni GoldX & Scapia: 1% fee (Subject to maximum ₹5000 per transaction) will be charged on railway bookings (MCC 4112) of ₹30,000 or higher
Air accident cover
Free Personal Accidental Death Cover · Air: ₹1 Cr & Non-Air (includes Sea): ₹10 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
Convert purchase of > ₹2,500 into Smart EMIs of 6 to 48 months.
Charges+−
Forex markup
2% on foreign currency transactions.2% of transaction amount
Cash advance fee
2.5% of the withdrawn amount or ₹500 whichever is higher.
Cash advance interest
All other Credit Cards: 3.75% per month.
Cash withdrawal limit
All other credit cards: 40% of available limit.
Interest on unpaid balance
3.75% per month i.e. 45% per annum.
Interest-free period
20 to 50 days interest-free when you pay in full.
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
All other credit cards: 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 charges 2% of the payment amount, subject to min of ₹500
Statement or duplicate statement fee
₹25 per Bill
Card replacement fee
All other credit cards: ₹100 per card.
Cash payment / cash deposit fee
Processing fee ₹250 for every cash payment.
Cheque payment / dishonour fee
Process fee ₹100 for every cheque payment.
Education / school fee charge
All credit cards except Uni GoldX & Scapia: 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
Reward redemption fee
No Fee
Wallet load charge
All other cards: 1% processing fees will be levied on Wallet loading Transactions (MCC’s 6539, 6540, 6541,6542)
What the card's fee or benefit year means
Card Anniversary year is considered from the Card issuance date
Fuel transaction fee
All credit cards: 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
All other cards: 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
All Other Cards: 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
The GST component is not reversed
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. For cases where Total Amount Due exceeds Credit Limit, account overlimit amount (Total Amount due – Credit Limit) is greater than the Computed MAD, then MAD = Overlimit Amount
Eligibility+−
Eligibility
Designated Sailors & Officers of the Indian Navy & Indian Navy Veterans.
Minimum age
18 to 70 years (Primary Cardholder)
Documents required
Mandatory: recent passport size photograph and PAN Card; address proof: Aadhaar Card (both side), Voter ID Card, Passport, Driving Licence; income proof: ID card / Service Certificate or Latest Salary Slip mentioning the rank of the Official.
In the terms, not the brochure (4)
Spend that unlocks lounge visits in the next period
Minimum spends of ₹75,000 in the preceding calendar quarter for complimentary lounge access
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.
Spends that do not count toward the fee waiver
First year fee reversal and annual fee reversal is applicable only to non-delinquent credit cardholders
How we know - 10 documents from BOBCARD, checked 18 Oct 2026
10 documents from BOBCARD, checked 18 Oct 2026.
Bobcard Generic MITC 23 July Orginal5 Oct 2026Proof