BOBCARD PRIME

Joining fee

₹0Zero

Annual fee

₹0Zero

Add-on card fee

Up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

Welcome benefit

Earn 500 Reward Points on spent of ₹5,000 within 60 days of card issuance.

Reward rate

2 Reward Points per ₹100 · everyday spends2 Reward Points per ₹100 spent on all other categories.

Fuel earning

No Reward Points are earned on fuel transactions.

Groceries earning

Supermarket and convenience store: Cardholder will not earn any Reward points.

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

What one reward unit is worth

Reward points redeemed for cashback at 1 reward point = ₹0.20.

Cashback redemption

Reward points can be redeemed as cashback @₹0.20 per reward point.

Point expiry

Reward Points are valid only for 2 years from the date of accumulation

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

Insurance facility is not available.

Lost card liability

Zero Liability on lost card.

Add-on card eligibility

Above 18 years (Add-on Cardholder)

Purchase to EMI conversion

Convert purchase of more than ₹2,500 into Smart EMIs of 6 to 48 months.

Forex markup

3.5% on foreign currency transactions.3.5% of transaction amount

Cash advance fee

2.50% of the withdrawn amount or ₹500 whichever is higher.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

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: ₹1100 · More than ₹50,000: ₹1300.

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 charges 2% of the payment amount subject to min of ₹500

Statement or duplicate statement fee

₹25 per Bill

Card replacement fee

₹100 per card

Cash payment / cash deposit fee

Processing fee ₹250 for every cash payment.

Cheque payment / dishonour fee

Processing 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 on all rent payment transactions (Merchant Category Code or MCC 6513)

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

GST 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

Income requirement

Guaranteed issuance against FD of ₹30000 or more without any income proof.

Minimum age

18 to 85 years (Primary Cardholder)

Documents required

Mandatory proof: recent passport size photograph, PAN Card · Address proof: Aadhaar Card (both side), Voter ID Card, Passport, Driving Licence, Job Card.