BOBCARD Select Credit Card
BOBCARD · Visa · Entry card
Its accelerated mix fits online households better than the Easy variant while keeping the waiver attainable.
Online-first households with recurring dining spend that also want a RuPay card.
Terms checked 23 Sept 2026
- Annual fee
- ₹750 + GST
- Joining fee
- ₹0
- Base reward rate
- 0.2%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.2% |
| Dining & delivery | 0.2% |
| Travel & hotels | 0.2% |
| Beauty & wellness | 0.2% |
| Entertainment & movies | 0.2% |
| Subscriptions & streaming | 0.2% |
| Offline store shopping | 0.2% |
| International spending | 0.2% |
| Gold & jewellery | 0.2% |
| Other miscellaneous | 0.2% |
| 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 ₹70,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
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 · 7 items
Online transaction bonus
Usage-based valueFour incremental points stack with the base on eligible transactions carrying the issuer online flag.
Conditions: Four incremental points stack with the base on eligible transactions carrying the issuer online flag.
Restaurant bonus
Usage-based valueFour incremental points stack with the base at eligible restaurants classified under MCC 5812.
Conditions: Four incremental points stack with the base at eligible restaurants classified under MCC 5812.
SmartDeal flight bonus
Usage-based valueThree bonus points plus the base point produce four points per ₹100 on eligible SmartDeal flights.
Conditions: Three bonus points plus the base point produce four points per ₹100 on eligible SmartDeal flights.
SmartDeal hotel bonus
Usage-based valueNine bonus points plus the base point produce ten points per ₹100 on eligible SmartDeal hotels.
Conditions: Nine bonus points plus the base point produce ten points per ₹100 on eligible SmartDeal hotels.
Other eligible rewards
Usage-based valueOne point per ₹100 on other eligible retail transactions.
Five points per ₹100 on eligible online and dining transactions, capped at 1,000 points per statement cycle
Shown without a cash valueFour points per ₹100 on SmartDeal flights and ten on SmartDeal hotels
Shown without a cash value
Fees · 1 item
Annual card fee
Cost ₹750₹750 annual fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹750Annual fee may be waived after ₹70,000 of eligible annual spending.
Conditions: Reach ₹70,000 eligible annual spending
₹750 renewal fee waived at ₹70,000 eligible anniversary-year spend
Shown without a cash value
Welcome benefits · 1 item
500 welcome reward points
Recorded value ₹100Points worth ₹100 at the published cash-redemption value.
Conditions: Spend ₹5,000 on eligible purchases within 60 days of card issuance
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. No universal verified numeric income threshold is used as a hard filter. BOBCARD does not publish one universal numeric income threshold for Select.
Other benefits · 4 items
Mastercard may be offered as an alternative network variant
Shown without a cash value1% 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 (11)
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 ↗Airport lounge access
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
- ✓ Five points per ₹100 on eligible online and dining transactions, capped at 1,000 points per statement cycle
- ✓ Four points per ₹100 on SmartDeal flights and ten on SmartDeal hotels
- ✓ ₹750 renewal fee waived at ₹70,000 eligible anniversary-year spend
- ✓ 500 welcome points after ₹5,000 spend in 60 days
What to watch
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.
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 ₹750 renewal fee and ₹70,000 waiver.
- Before
- The prior issuance-fee offer applied.
- After
- New eligible cards carry no joining or first-year fee; subsequent renewal is ₹750 unless ₹70,000 eligible spend is reached.
Checked 23 Sept 2026BOBCARD Select current fee offer ↗ - Value reduced
Personal-accident cover discontinued
BOBCARD ended the former air and non-air accident cover for Select 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