BOBCARD Premier Credit Card
BOBCARD · RuPay · Mid card
A moderate fee buys accelerated travel value and uncomplicated quarterly domestic lounge access.
Moderate spenders who dine and travel domestically and can clear the annual waiver.
Terms checked 23 Sept 2026
- Annual fee
- ₹1,000 + GST
- Joining fee
- ₹0
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| Other miscellaneous | 0.5% |
| Groceries & essentials | 0% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Education & family | 0% |
| Healthcare & pharmacy | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,20,000 annual spending
- Monthly income requirement
- Approx. ₹60,000/month salaried · ₹60,000/month self-employed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
Requires ₹20,000 per Calendar quarter for the following calendar quarter
New cards receive the first two calendar quarters without the prior-quarter spend test under the current terms.
Spend condition: Spend ₹20,000 in the preceding calendar quarter.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 8 items
Travel-agent bonus
Usage-based valueEight incremental points stack with the base on eligible card transactions at travel-agent MCC 4722; UPI is excluded.
Conditions: Eight incremental points stack with the base on eligible card transactions at travel-agent MCC 4722; UPI is excluded.
Restaurant bonus
Usage-based valueEight incremental points stack with the base on eligible card transactions at restaurant MCC 5812; UPI is excluded.
Conditions: Eight incremental points stack with the base on eligible card transactions at restaurant MCC 5812; UPI is excluded.
International transaction bonus
Usage-based valueEight incremental points stack with the base on eligible international card transactions; UPI is excluded.
Conditions: Eight incremental points stack with the base on eligible international card transactions; UPI is excluded.
SmartDeal flight bonus
Usage-based valueSix bonus points plus the two-point base produce eight points per ₹100 on eligible SmartDeal flights.
Conditions: Six bonus points plus the two-point base produce eight points per ₹100 on eligible SmartDeal flights.
SmartDeal hotel bonus
Usage-based valueEighteen bonus points plus the two-point base produce twenty points per ₹100 on eligible SmartDeal hotels.
Conditions: Eighteen bonus points plus the two-point base produce twenty points per ₹100 on eligible SmartDeal hotels.
Other eligible rewards
Usage-based valueTwo points per ₹100 on other eligible retail transactions.
Ten points per ₹100 on eligible travel, international and dining transactions, capped at 2,000 points per statement cycle
Shown without a cash valueEight points per ₹100 on SmartDeal flights and twenty on SmartDeal hotels
Shown without a cash value
Fees · 1 item
Annual card fee
Cost ₹1,000₹1,000 annual fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹1,000Annual fee may be waived after ₹1,20,000 of eligible annual spending.
Conditions: Reach ₹1,20,000 eligible annual spending
₹1,000 renewal fee waived at ₹1.2 lakh eligible anniversary-year spend
Shown without a cash value
Welcome benefits · 1 item
500 welcome reward points
Recorded value ₹125Points worth ₹125 at the published cash-redemption value.
Conditions: Spend ₹5,000 on eligible purchases within 60 days of card issuance
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available. New cards receive the first two calendar quarters without the prior-quarter spend test under the current terms.
Conditions: Spend ₹20,000 per calendar quarter
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹60,000. Monthly equivalent derives from the issuer-published ₹7.2 lakh annual income threshold.
Other benefits · 3 items
1% fuel-surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
Shown without a cash valueUp to three lifetime-free add-on cards
Shown without a cash valueZero lost-card liability, contactless payments and SmartEMI conversion
Shown without a cash value
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Ten points per ₹100 on eligible travel, international and dining transactions, capped at 2,000 points per statement cycle
- ✓ Eight points per ₹100 on SmartDeal flights and twenty on SmartDeal hotels
- ✓ One domestic airport-lounge visit per quarter after ₹20,000 previous-quarter spend
- ✓ ₹1,000 renewal fee waived at ₹1.2 lakh eligible anniversary-year spend
What to watch
The zero joining fee is the offer effective September 1, 2026. Accelerated points do not apply to UPI transactions, the 3.5% forex charge is higher than the 2.5% accelerated reward value, and former accident cover ended August 25, 2026.
Recorded exclusions
Fuel Commute · Bills Utilities · Groceries · Rent · Insurance · Healthcare · Education Family · Wallet load · Government payments · Agriculture · Contractor services · Transportation · Personal services · Charity · Fast food
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value improved
First-year fee offer revised
BOBCARD introduced the current zero joining and first-year fee offer while retaining the ₹1,000 renewal fee and ₹1.2 lakh waiver.
- Before
- The prior issuance-fee offer applied.
- After
- New eligible cards carry no joining or first-year fee; subsequent renewal is ₹1,000 unless ₹1.2 lakh eligible spend is reached.
Checked 23 Sept 2026BOBCARD Premier current fee offer ↗ - Value reduced
Personal-accident cover discontinued
BOBCARD ended the former air and non-air accident cover for Premier cardholders.
- Before
- Existing eligible cards carried the published air and non-air personal-accident cover.
- After
- No personal-accident cover is included from August 25, 2026.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 1 Sept 2026