BOBCARD Vikram

Joining fee

₹0Nil

Annual fee

₹0Nil

Add-on card fee

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

Welcome benefit

Complimentary 3 Months JioHotstar subscription on first transaction within the first 30 days of card issuance. · 500 Reward Points on spent of ₹5,000 within 60 days of card issuance.

Reward rate

1 reward point per ₹100 · everyday spends1 reward point for every ₹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.

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 Reward Points are subject to maximum of 1,000 Reward Points per month

What one reward unit is worth

Reward points redeemed for cashback at 1 reward point = ₹0.25.

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

Movie or entertainment ticket benefit

5X Rewards i.e. 5 Reward Points per ₹100 on movies and departmental stores.

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

Free personal accidental death cover (Air / non-air: ₹20,00,000)

Lost card liability

Zero liability on lost card.

Purchase to EMI conversion

Convert purchases of ₹2,500 into smart EMIs of 6 to 48 months.

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2.5% of the withdrawn amount or ₹500 whichever is higher.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

Age the primary cardholder must be

For salaried: 18 to 60 years (primary cardholder)

Eligibility

Designated Personnel of our Defence Forces. Age: For Salaried 18 to 60 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 · Income proof: ID card / Service Certificate or latest salary slip mentioning the rank of the official.