BOBCARD Select

Joining fee

₹0 to join.₹0 joining/first-year fee w.e.f. 1st September 2026 (Limited Period Offer)

Renewal fee

₹750 a year.

Fee waiver rule

₹750 annual fee waiver on milestone spends.

Add-on card fee

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

Welcome benefit

500 reward points on spends of ₹5000 within 60 days of card issuance

Reward rate

1 Reward Point per ₹100 · everyday spends1 Reward Point 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.

Online earning

5 Reward Points per ₹100 spent on online spends.

Reward earning on dining spends

5 Reward Points per ₹100 spent on your Dining spends.

Travel earning

Flight Booking Via BOBCARD SmartDeal: 4 points for every ₹100 · Hotel Booking BOBCARD SmartDeal: 10 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 statement cycle.

What one reward unit is worth

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

Cashback redemption

All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20.

Point expiry

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

Milestone benefits

From the second year onwards, spend ₹70,000 in the preceding card anniversary year and get your annual fee of ₹750 waived off

Minimum spend rules

Joining fee ₹750, levied in the third statement cycle if spends criteria is not fulfilled; spends criteria for fee waiver ₹7,500 in first 60 days.

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) on railway bookings (MCC 4112) of ₹30,000 or higher

Air accident cover

Insurance facility is not available.

Lost card liability

Zero Liability on lost card.

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

2.5% of the withdrawn amount or ₹500 whichever is higher.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

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

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) 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

1% processing fees 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 on fuel transactions 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 on 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

Minimum age

Minimum 25 years and Maximum 55 years

Documents required

Mandatory proof: recent passport size photograph, PAN Card · Address proof: Aadhaar Card (both side), Voter ID Card, Passport, Driving Licence, Job Card · Income proof (salaried): Bank Statement reflecting salary credit for last 2 months.