BOBCARD

Check the list of top BOBCARD credit cards along with their features, annual fee, and minimum income requirements to help you pick a suitable card as per your needs. Check the BOBCARD eligibility criteria and compare the cards to apply for the best BOBCARD Credit Card.

On BOBCARD website

BOBCARD
Types of Credit Cards
Features & Benefits
Detailed Features
Reward Points
Fees
Charges
How To Apply
Eligibility Criteria
Documents Required
Credit Card Payment
Customer Care Details

BOBCARD

BOBCARD Credit Cards are issued by BOB Financial Solutions Limited, a Non-Banking Financial Company (NBFC), wholly owned by PSB BOBCARD. The Company was incorporated in 1994 as Bobcards Limited and offers Credit Cards, Personal Loans, and merchant acquiring.

The parent organisation, BOBCARD, was earlier known as BOBCARD Limited. Founded by Maharaja Sayyajirao III, the present BOBCARD was launched as a private bank with its first branch opened in Ahmedabad in 1910. The unit was expanded further in the year 1919 and opened a new branch in Mumbai City. The first overseas branch was opened in the year 1953 in Kenya. Hind Bank, New Citizens Bank, The Umargao People's Bank, and The Tamilnadu Central Bank merged with The Baroda Bank Limited between 1958 and 1964. In the year 1969, it became a nationalised bank and was renamed as BOBCARD.

Today, BOB is one of the leading PSBs in the country. BOB's banking services include term deposits, loans, advances, lockers, etc. Corporate banking constitutes wholesale banking deposits, loans, and advances etc. They also offer retail banking services, which again constitute loans and advances, deposits, etc.

The BOBCARD Credit Cards are issued at a nominal fee, and the interest charged is also competitive. There are innumerable benefits to the card, and its global acceptance makes it all the more attractive.

Types of BOBCARD Credit Cards

The BOBCARD has broadly divided its Credit Cards into four variants: Easy, Select, Premier & Prime. Besides, there are other co-branded and corporate cards as well.

Here is the list of the best BOBCARD Credit Cards:

BOBCARD EASY
BOBCARD SELECT
BOBCARD PREMIER
BOBCARD TIARA
BOBCARD ETERNA

Features & Benefits of BOBCARD

The following are the features and benefits of the BOBCARDs.

EMI option: The purchases on the card can be converted into EMI and paid in easy instalments. The rate of interest charged is nominal.
Fuel surcharge: Waiver of fuel surcharge at all petrol stations across the country.
Various redemption options: There are numerous ways of redeeming the accumulated reward points.
Add-on cards: The add-on card facility for your family member is given without any joining or annual fee.
Insurance cover: Various insurance covers are available for free.
Purchase protection: Purchase protection on the lost/ stolen card is also available.
Worldwide acceptability: BOBCARD comes in collaboration with Visa or MasterCard as a payment gateway. These are accepted worldwide.
Lucrative Reward points: Every BOBCARD credit card allows you to earn lucrative reward points that can be redeemed for multiple gift options and cashback.
Additional benefits: In addition to rewarding points, the BOBCARD credit card offers benefits like fuel waiver, complimentary lounge access, free 6-month membership at FITPASS PRO, etc.
Wide range: The BOBCARD covers an entire spectrum of customer needs. So whether it’s the BOBCARD Eterna Credit Card for the affluent few or the BOBCARD Swavlamban Credit Card for the basic credit card users, there’s something for everyone.
Fee waiver: BOBCARD credit card offers a join fee and annual fee waiver, subject to minimum spending per year.
Easy EMI option: BOBCARD allows you to convert your credit card spend into easy EMIs at the lowest rate of interest.
24/7 customer care service: The representatives of the BOBCARD are always there to help you in times of need. BOBCARD credit card customer care can be reached 24X7 for assistance.
Easy payment options: Payment for a BOBCARD credit card outstanding can be made through several channels. Choose the most convenient mode of payment to pay back bills on time.

Detailed Features of BOBCARDs

Card Name	Features
BOBCARD EASY	Waiver of fuel surcharge for spends on fuel at all petrol pumps across the country. Waiver of joining and annual fees on spends of 6000/- within 60 days from the date of card activation and 35000/- annual spend, respectively. Redemption of reward points either as cashback or any other exciting options like gifts from the exclusive items on the catalogue or vouchers. A facility to convert purchases over 2500/- to easy 6/12 month EMIs. 3 free add-on cards for family members above the age of 18 years. Complimentary insurance cover for the cardholder on accidental death. Lost card liability protection is available for fraudulent transactions after reporting the loss of the card. Interest-free credit for a period of 50 days from the date of purchase is available. A revolving credit facility is available wherein you can keep the card active by paying the minimum amount due.
BOBCARD SELECT	Get a waiver of joining and annual fee by spending 7500/- within 60 days from the date of activation of the card and 70,000/- in a year, respectively. Fuel surcharge waiver of 1% for transactions between 400/- and 5000/- at all the petrol pumps in the country. Redemption of reward points either as cashback or as gifts from the catalogue. A facility to convert purchases above 2500/- to easy EMIs, payable in either 6 or 12 months of instalments. 3 free add-on cards for your family members. Free personal accident cover for the cardholder in the event of death due to an accident. On reporting loss of card, the liability on any fraudulent transactions will be zero. Interest-free credit period up to 50 days is available from the date of purchase. A revolving facility for Credit Card dues is available.
BOBCARD PREMIER	Free access to 38 Airport Lounges in 22 cities across the country Round-the-clock concierge services for hotel bookings, travel ticket bookings, movie tickets, bookings for special events, car bookings, and delivery of gifts and flowers. The joining fee and annual fee will be waived for a spend of 10,000/- within 60 days from the date of card activation and an annual spend of 1.20 Lakhs in the previous year, respectively. Innumerable reward redemption options are available. Purchases above 2500/- can be converted into easy EMIs payable in 6 to 12 months instalments. 3 add-on lifetime free cards available for your family members. Complimentary personal accident cover is available in the event of the death of the cardholder in an accident. The transactions on the lost card after reporting the loss will not be billed, and the liability will be zero. A revolving facility for repayment of Credit Card dues. Interest-free period up to 50 days.
BOBCARD TIARA	Unlimited Domestic Lounge Access: Enjoy unlimited complimentary domestic airport lounge visits (after spending ₹40,000 in the previous quarter; waived for newly issued cards in the first quarter). Lifestyle & Entertainment Perks: Complimentary vouchers worth up to ₹31,000 from brands like Myntra, Nykaa, and Lakme Salon. Quarterly discount vouchers for top e-commerce brands (₹500 each for Myntra, Nykaa, Flipkart). Lakme Salon vouchers worth ₹1,500 each quarter. Annual memberships for Amazon Prime or Disney Hotstar. Swiggy One membership for free deliveries for 3 months each year. Discounts on movie tickets via BookMyShow. Health & Safety Benefits: Free women’s health package (Pap Smear, Mammography). Complimentary FitPass Pro membership (6 months, 2,500+ gyms). Personal accident and permanent disability cover up to ₹10 lakh. Other Features: Reduced forex markup fee of 2% for international spends. UPI-enabled payments (RuPay). 1% fuel surcharge waiver up to ₹250 per statement cycle. Free add-on cards. Zero liability on lost cards
BOBCARD ETERNA	Unlimited Domestic Lounge Access: Complimentary, unlimited access to domestic airport lounges across India (typically after meeting spend criteria such as ₹40,000 in the previous quarter). Premium Welcome Benefit: Complimentary 6-month FitPass Pro membership (worth ₹15,000) and 10,000 bonus reward points on spends of ₹50,000 in the first 60 days. Spend-Based Fee Waiver: Joining fee of ₹2,499 (+GST) is waived if you spend ₹25,000 in the first 60 days; annual fee waived on spending ₹2.5 lakh each membership year. Low Forex Markup: Reduced foreign transaction fee of 2% for international spends, among the lowest in its segment. 1+1 Movie Tickets: Buy 1 Get 1 free offer on movie tickets every month (max discount ₹250). Comprehensive Insurance: Air accident insurance up to ₹1 crore, non-air accident cover up to ₹10 lakh. Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400–₹5,000, capped at ₹250 per statement cycle. Additional Benefits: Free add-on cards, UPI-enabled via RuPay for making payments through UPI apps, flexible EMI options, and periodic merchant offers

BOBCARD Reward Points

Card Name	Rewards
BOBCARD EASY	5X reward points for every 100 spent at Departmental Stores, on purchases of Grocery, and spends on movie ticket 1 reward point for 100/- on all other spends. A cashback of 0.5% on Credit Card bill payment.
BOBCARD SELECT	5X reward points for every 100/- online spends, utility bills, and dining. 1 reward point for every 100/- on all other purchases. 1000 bonus points every month on 5 transactions of more than 1000/- in a month.
BOBCARD PREMIER	Earn 10 reward points on every 100/- spent on travel, dining, and international spends. 1 reward point for every 100/- on all other purchases. 1000 bonus points every month on 5 transactions of more than 1000/- in a month.
BOBCARD TIARA	Earn 15 reward points per ₹100 spent on travel, dining, and international transactions; 3 points per ₹100 on other purchases. Reward points can be redeemed for cashback (1 point = ₹0.25). UPI credit card reward points are capped at ₹500 per statement cycle
BOBCARD ETERNA	Earn 15 reward points per ₹100 spent on online, travel, dining, entertainment, and movie purchases (5x rewards). 3 points per ₹100 on other categories. 20,000 bonus reward points on annual spends of ₹5 lakh. Reward points are redeemable for cashback at 1 point = ₹0.25.

BOBCARD Fees

Card Name	Joining Fee	Annual Fee
BOBCARD EASY	500/- (waived on a spend of 6000/- within 60 days from the date of activation of the card. The reversal will reflect in the 4th billing statement)	500/- (waived on an annual spend of 35000/- the previous year)
BOBCARD SELECT	750/- (waived on a spend of 7500/- within 60 days from the date of activation of the card. The reversal will reflect in the 4th billing statement from the date of issuance of the card provided all the dues on the card are paid)	750/- (waived on an annual spend of 70,000/- in the previous year)
BOBCARD PREMIER	1000/- (waived on a spend of 10,00/- within 60 days from the date of activation of the card. The reversal will reflect in the 4th statement from the date of issuance of the card provided all the dues on the card are fully paid)	1000/- (waived on an annual spend of 1.20 Lakhs in the previous year)
BOBCARD TIARA	Joining fee of ₹2,499+GST is reversed if you spend ₹25,000 in the first 60 days.	Spend ₹2,50,000 in a year to get the annual fee waived for the next year
BOBCARD ETERNA	The joining fee is waived if you spend ₹25,000 in the first 60 days.	The annual fee for the next year is waived if you spend ₹2,50,000 or more in the previous card anniversary year

BOB Credit Card Charges

Charge Type	Details
Cash Withdrawal Fee	2.5% of the withdrawn amount or ₹500 (whichever is higher)
Finance Charges	Premier, Prime, Corporate, Signature, Assure, and Paytm Cards: 3.25% per month (39% annually) Easy, Select, and all other variants: 3.49% per month (41.88% annually)
Duplicate Statement Fee	₹25 per bill
Cheque Bounce Charges	₹300 or 2% of the cheque amount (whichever is higher)
Over-limit Charges	2.5% of the over-limit amount or ₹500 (whichever is higher)
Card Replacement Fee	₹100 per card
Charge Slip Retrieval Fee	₹250 per slip
Foreign Currency Mark-up Fee	3.50% of the transaction amount
Card Reactivation Fee	₹300
Late Payment Charges	Up to ₹100: Nil ₹101 to ₹500: ₹100 ₹501 to ₹1,000: ₹400 ₹1,001 to ₹10,000: ₹600 ₹10,001 to ₹25,000: ₹800 Above ₹25,000: ₹950

How to Apply for a BOBCARD

Steps to Apply for BOBCARD through the Bank's Website

The following are the steps to apply for a BOBCARD through the Bank's website.

For new customers

Log in to the official website of the Bank.
Go to the Credit Cards. Provide your details like name, contact address, mobile number, email id, qualification, income details, employment details, marital status, etc.
A list of cards will appear. Choose and apply the card as per your requirement.
On verification, a Card representative from the bank will call you and guide you through the process.
You will be required to submit documents such as address proof, Photo ID proof, and Income Proof. This is the regular step for checking eligibility criteria and issuing the card.

For existing customers

Visit the official website of the bank and go to the Credit Cards page.
Provide you net banking customer ID and mobile number
You can apply for the card directly online

Steps to apply for the card through MyMoneyMantra

Using the digital platform provided by MyMoneyMantra, you can apply for the card.

Visit the MyMoneyMantra website.
Log in and choose the Credit Card menu. Select the card you want to apply for and press the submit button.
Fill in all the relevant information required for applying for the Card.
Now you will be guided by the representatives of MyMoneyMantra through the whole process from the documentation to the approval of the card.
On approval, the card will be dispatched to your address. The card and the PIN will be dispatched separately.

To apply for the card offline, you have to visit the nearest BOBCARD branch and apply for the Credit Card by submitting the relevant documents.

BOBCARD Eligibility Criteria

To be eligible for a BOBCARD, you will have to comply with the following eligibility criteria.

Should be between 21 years to 65 years of age.
The minimum annual income required for an Easy Card is 3.00 Lakhs
The minimum annual income required for the Select Card is 4.80 Lakhs
The minimum annual income required for the Premier Card is RS. 7.20 Lakhs.
The Prime Card is issued against a Fixed Deposit, and so no income is required.
titanium 3,00,000.
The minimum annual income for a Platinum Mastercard is 6 Lakh.
For the Paytm Signature Card, the minimum annual income should be 12 Lakh.
For Assure Card, you require a fixed deposit of at least 25000.
For Corporate Cards, the minimum turnover should be 2 Cr, with a minimum Paid-up Capital as 25 Lakh.
The applicant should be an Indian resident.
The credit score should be over 750.

Documents Required for BOBCARD

Proof of Identity such as Aadhar Card, Voter's ID Card, Passport, Driving Licence, and PAN Card.
Address Proof such as Aadhar Card, Passport, Driving Licence, Utility bills, Rental Agreement, etc.
Income Proof such as IT Returns, form 16 and the latest Salary Slips for salaried individuals.
Business Entities/ Self-employed individuals/ professionals should submit financial documents like the audited Balance Sheet and Profit and Loss account and ITwith income computation along with the KYC documents.
Along with the financial documents, the business entities should submit Partnership Deed if a Partnership Company; and Memorandum of Association, Articles of Association, and Board Resolution, if a Company.

BOBCARD Payment

The following are the various ways of making BOBCARD payments.

Insta Pay:
You can make the Credit Card payment by Insta-Pay using your internet banking facility.

Follow the simple steps:
- Click on the Insta-Pay link.
- Enter the card number.
- Enter the verification code.
- Confirm the cardholder's name.
- Enter your mobile number and email ID, and amount.
- There is an option to use either BOBCARD net banking facilities or other bank net banking facilities for making the payment.
- You can choose from over 50 banks by clicking on the dropdown.
- Once the transaction is completed, you will receive a receipt.
- It will take two days for the transaction to be recorded in your card account.
Visa Bill Pay:
Through this facility, the cardholder can make a one-time payment or set Standing Instructions for recurring monthly payments.
Bill Desk:
To make a payment through Bill Desk, register on the Bill Desk payment portal for free. Your online ID will be mentioned in the Credit Card bill statement.
Internet Banking:
If you are a customer of BOBCARD, then the card payment can be done through their net banking facility. For this, you will have to register for the net banking facilities and obtain a login ID and transaction ID for making any transaction.
Auto-debit:
If you are a customer of BOBCARD, you can give auto-debit instructions on your Savings Bank Account to debit the bill amount month on month. To enable ECS for the Credit Card payment, the cardholder must fill in the ECS form and submit it at any of the branches of BOBCARD.
By Cheque:
You can also make a payment through a Cheque. You will have to mention the 16-digit card number as the Payee's name. The cheque can be dropped at any dropbox of BOBCARD.
By Cash:
You can deposit cash at any of the BOBCARD branches towards the Credit Card payment.
By NEFT/ RTGS:
Credit Card payment up to 2.00 Lakh can be made through NEFT, and payment beyond 2.00 Lakh can be made vide RTGS. For this, the customers have to give the following details
IFSC Code of the Bank:
Payee's Account No/ Beneficiary's Account Number will be the 16-digit Card Number
The Account Number from which the amount has to be debited.
Name of the Bank
Branch
Amount to be paid

BOBCARD Customer Care Number

The following numbers can be contacted for any queries regarding BOBCARD.

1800-103-1006
1800-225-100
1800-23-224 to track the status of the Credit Card application
For hot listing/ blocking of the card, contact: +91 9323803935

FAQs

How does BOBCARD process auto-debit?

The standing instructions for the debit of the particular account, as requested by the cardholder, will be set for a particular date, which will be before the Credit Card due date. If the date on which the debit has to be carried out is a holiday, then the debit will be done on the next working day.

What should the cardholder do in case of loss, theft, or damage of card?

The loss/ theft of the card should be reported immediately to the Bank through their customer care helpline, the moment it is noticed. The card will be blocked, and a new card will be issued within 7 days. In the case the card is stolen, an FIR has to be lodged at the police station of the jurisdiction, and a copy of the same has to be submitted to the Bank.

If the card is damaged, then the card has to be dispatched to any of the addresses of the BOBCARD branches mentioned in their official website. The damaged card will be replaced and sent to your registered residential address.

Is a separate credit limit fixed for Add-On cards?

No, the add-on cardholder shares the credit limit of the primary cardholder.

What is the Registration in Bobcard's portal, and how is it done?

The cardholder has to register the Credit Card on the link provided in the official website of the bank and generate a password that will be used for all online transactions. This will be an added authentication for all the online transactions. Whenever asked during online transactions, the cardholder has to provide this registered password. The same process has to be repeated in case a new card/ replacement card is issued.

This registration will enable the cardholder to access the Credit Card account, make bill payments, and for other various requests made online.

How do I check BOB Credit Card Application Status?

To check the Credit Card Application Status online, you will have to follow a few simple steps:

Visit the official website of the bank, exclusive for Credit Cards.
On the left side of the website, there is a Customer Corner option.
On clicking the Customer Corner, 'Track Application Status' will pop-up. Select the option.
You will be directed to the Track Application Status page, where you will be provided application number and date of birth.
Click on 'Get Details' after providing the required information.
Once the details are submitted, the status of the application will appear.
It will either be 'in progress or approved.'
‘In progress’ indicates that the processing of the application is ongoing.
'Approved' means the decision has been taken, and the card is ready for printing and dispatch.
On dispatch of the card, the status on the site will change to Dispatched.
Another option, 'Track Dispatch Details' is also available, wherein you can check the status of the speed post/ courier. An AWB number is required to check this status.

During the application processing, if any discrepancies are noticed, the representatives of the Bank will contact you.

You will have to check the status a week after the submission of the application.

To check the status of the application offline, you will have to call the Customer Care helpline No. 1800-223-224. Keep your application number ready before calling. Alternatively, you can visit any of the BOB branches to track the application status.

What is the time limit required for re-applying a Credit Card after rejection?

You will have to ideally wait for 3 to 6 months to reapply for the card. If the card was rejected due to a low credit score, then you will have to take the necessary steps to boost your credit score. Thereafter, you should check your credit score before applying for the card once again.

How do I generate a PIN for the BOB Credit Card?

You can generate a PIN for your Credit Card by following the simple steps mentioned below:

Visit any BOB ATM. Insert the card and choose the preferred language.
Select the 'Generate Pin with OTP' option.
An OTP will be sent to your registered mobile number immediately on selecting the option.
Enter the OTP.
Now you can enter the desired 4-digit PIN. This PIN can be used for all the transactions done on the card.
Never share this PIN with anyone.