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| Feature | RBL Bank RBL Bank Cookies Credit Card | BOBCARD BOBCARD Select Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | RBL Bank | BOBCARD |
| Network | Mastercard + RuPay | Visa |
| Annual fee | ₹1,200 + GST per year | ₹750 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹70,000 annual spending |
| Base reward rate | 0.2% | 0.2% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Myntra cashback: ₹300/month · Zomato cashback: ₹300/month · Uber cashback: ₹300/month | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Consistent online and UPI spenders able to cross ₹5,000 every month. | Online-first households with recurring dining spend that also want a RuPay card. |
| Main trade-off | This is a ₹100 monthly-fee product, not a conventional ₹1,200 annual-fee card. Missing even one monthly spend target can trigger that month’s fee, and regulated categories are excluded from rewards and the waiver. | The zero joining fee is the offer effective September 1, 2026. BOBCARD currently lists Visa and Mastercard variants rather than RuPay; renewal costs ₹750 if the waiver is missed, and former accident cover ended August 25, 2026. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
