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BOBCARD ConQR Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of Baroda RuPay Entry

Annual Fee

₹0

Base Rate

1.0%

Reward Type

Points

Overview

The BOBCARD ConQR Credit Card is a Entry credit card issued by Bank of Baroda on the RuPay network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: Lifetime Free
Eligibility: Indian resident, 18-65 years. Requires PAN, photos, and shop registration certificate. For merchants using Bank of Baroda's acceptance solutions.

Reward Rates & Cashback Rules

  • CATEGORY – Dining: 5.0% cashback
  • ALL_ONLINE: 5.0% cashback
  • CATEGORY – Utilities: 5.0% cashback
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points are accrued on fuel transactions.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points are offered for wallet loading transactions.

Key Features & Benefits

  • 2-in-1 Card 💳: Acts as a credit card for payments and allows accepting payments from customers via an integrated Bharat QR code.
  • Fuel Surcharge Waiver ⛽: 1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
  • Insurance Cover 🛡️: Complimentary personal accidental death cover: ₹15 lakh for air travel and ₹5 lakh for non-air incidents.
  • Easy EMI Conversion 🔄: Convert spends over ₹2,500 into EMIs of 6 or 12 months.

Eligibility Criteria

Indian resident, 18-65 years. Requires PAN, photos, and shop registration certificate. For merchants using Bank of Baroda's acceptance solutions.

Features & Benefits

💳

2-in-1 Card

Acts as a credit card for payments and allows accepting payments from customers via an integrated Bharat QR code.

⛽

Fuel Surcharge Waiver

1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

🛡️

Insurance Cover

Complimentary personal accidental death cover: ₹15 lakh for air travel and ₹5 lakh for non-air incidents.

🔄

Easy EMI Conversion

Convert spends over ₹2,500 into EMIs of 6 or 12 months.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Dining
Reward: 5.0%
5%
All Online Spends
Reward: 5.0%
5%
Utilities
Reward: 5.0%
5%
Fuel Exclusion
⚠️ Exceptions: No reward points are accrued on fuel transactions.
Wallet Load Exclusion
⚠️ Exceptions: No reward points are offered for wallet loading transactions.

Value Chart

Assuming basic spends for BOBCARD ConQR Credit Card

Category BOBCARD ConQR Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 1.0% 1.0% 1.5%
★
Known Rules 		5 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + Dining — 5.0% Points
  • + All Spends — 5.0% Points
  • + Utilities — 5.0% Points
  • + 2-in-1 Card
  • + Fuel Surcharge Waiver
  • + Insurance Cover
  • + Easy EMI Conversion
✗

Cons

  • − No reward on Fuel — No reward points are accrued on fuel transactions.
  • − No reward on Wallet Load — No reward points are offered for wallet loading transactions
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹0

Net Value

+₹3000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The BOBCARD ConQR Credit Card is a lifetime free card, which means it has no joining or annual fees.

The card offers 5 reward points per ₹100 on dining, online, and utility bills, and 1 reward point per ₹100 on all other spends. Fuel and wallet loads do not earn any rewards.

Yes, you get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum benefit of ₹250 per statement cycle.

The card is designed for merchants using Bank of Baroda's acceptance solutions. Applicants must be Indian residents aged 18-65 and provide a shop registration certificate.

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