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BOBCARD Premier Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
BOBCARD Visa Mid

Join / Annual

₹0/₹1000

Base Rate

2.0%

Reward Type

Points

Overview

The BOBCARD Premier Credit Card is a Mid credit card issued by BOBCARD on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹1,000
Eligibility: Min. ₹7.2 LPA net income for salaried or self-employed, CIBIL ≥ 750.

Reward Rates & Cashback Rules

  • CATEGORY – Travel: 10.0% cashback | monthly cap ₹500.0 ⚠️ Shared monthly cap of 2,000 points (worth ₹500) across Travel, Dining & International spends. Spends beyond this limit earn the base rate.
  • CATEGORY – Dining: 10.0% cashback | monthly cap ₹500.0 ⚠️ Shared monthly cap of 2,000 points (worth ₹500) across Travel, Dining & International spends. Spends beyond this limit earn the base rate.
  • CATEGORY – International: 10.0% cashback | monthly cap ₹500.0 ⚠️ Shared monthly cap of 2,000 points (worth ₹500) across Travel, Dining & International spends. Spends beyond this limit earn the base rate.
  • CATEGORY – Hotels: 20.0% cashback | via BOBCard SmartDeal
  • CATEGORY – Flights: 8.0% cashback | via BOBCard SmartDeal
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Domestic Lounge Access ✈️: 1 complimentary domestic airport lounge visit per quarter. A minimum spend of ₹20,000 in the previous calendar quarter is required for access.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
  • Insurance Cover 🛡️: Complimentary Personal Accident Death Cover up to ₹50 Lakhs for air accidents and ₹10 Lakhs for non-air accidents.
  • Free Add-on Cards 👨‍👩‍👧‍👦: Up to 3 lifetime free add-on cards for family members.

Eligibility Criteria

Min. ₹7.2 LPA net income for salaried or self-employed, CIBIL ≥ 750.

Features & Benefits

✈️

Domestic Lounge Access

1 complimentary domestic airport lounge visit per quarter. A minimum spend of ₹20,000 in the previous calendar quarter is required for access.

⛽

Fuel Surcharge Waiver

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

🛡️

Insurance Cover

Complimentary Personal Accident Death Cover up to ₹50 Lakhs for air accidents and ₹10 Lakhs for non-air accidents.

👨‍👩‍👧‍👦

Free Add-on Cards

Up to 3 lifetime free add-on cards for family members.

Cashback Engine Rules

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

Travel
Reward: 10.0% Monthly Cap: ₹500.0
⚠️ Exceptions: Shared monthly cap of 2,000 points (worth ₹500) across Travel, Dining & International spends. Spends beyond this limit earn the base rate.
10%
Dining
Reward: 10.0% Monthly Cap: ₹500.0
⚠️ Exceptions: Shared monthly cap of 2,000 points (worth ₹500) across Travel, Dining & International spends. Spends beyond this limit earn the base rate.
10%
International
Reward: 10.0% Monthly Cap: ₹500.0
⚠️ Exceptions: Shared monthly cap of 2,000 points (worth ₹500) across Travel, Dining & International spends. Spends beyond this limit earn the base rate.
10%
Hotels Via BOBCard SmartDeal
Reward: 20.0%
20%
Flights Via BOBCard SmartDeal
Reward: 8.0%
8%
Fuel Exclusion
Wallet Load Exclusion
Rent Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for BOBCARD Premier Credit Card

Category BOBCARD Premier Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card Vistara Axis Bank Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹1000 ₹1500 ₹500 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 5.0% 5.0% 1.0%
★
Known Rules 		9 rules 7 rules 10 rules 9 rules

Pros & Cons

✓

Pros

  • + Travel — 10.0% Points (cap ₹500.0)
  • + Dining — 10.0% Points (cap ₹500.0)
  • + International — 10.0% Points (cap ₹500.0)
  • + Hotels — 20.0% Points
  • + Flights — 8.0% Points
  • + Domestic Lounge Access
  • + Fuel Surcharge Waiver
  • + Insurance Cover
  • + Free Add-on Cards
✗

Cons

  • − No reward on Fuel
  • − No reward on Wallet Load
  • − No reward on Rent
  • − No reward on EMI
  • −Forex markup of 3.5% on international spends

Our Verdict

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

Est. Annual Rewards

₹6000

Annual Fee

₹1000

Net Value

+₹5000

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

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 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

You can redeem your reward points for cashback credited to your card statement. A minimum of 1000 points is required for redemption, with a value of 1 point = ₹0.25.

Yes, the 10 points per ₹100 earned on Travel, Dining, and International spends are collectively capped at 2,000 points per statement cycle. Spends beyond this limit will earn the base rate of 2 points per ₹100.

You get 1 complimentary domestic lounge visit per quarter. To be eligible, you must have spent a minimum of ₹20,000 in the previous calendar quarter.

The annual fee of ₹1,000 is waived if you spend ₹1,20,000 or more in the preceding year. The joining fee is also waived on spending ₹10,000 within the first 60 days.

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