BOBCARD Premier Credit Card
BOBCARD · Points/miles card · ₹1,000 annual fee
Fees & benefits
| Annual fee | ₹1,000 + GST — waived at ₹1,20,000/yr spend |
| Welcome benefit | None |
| Airport lounges | 4 domestic · 0 international / year |
| No rewards on | fuel, wallet, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 5X (10 points/Rs.100) on travel/international/dining | 2.5% | ₹500 | travel, dining |
| Base reward points (2 per Rs.100) | 0.5% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is across every card we track.
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Caveats & recent changes
5X reward points on travel, international and dining, capped 2,000 points (~Rs.500)/statement cycle; 4 domestic lounge visits/year.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the BOBCARD Premier Credit Card lifetime free?
No, the annual fee is ₹1,000 (plus GST), waived on spending ₹1,20,000 a year.
What is the highest reward rate on the BOBCARD Premier Credit Card?
2.5% — 5X (10 points/Rs.100) on travel/international/dining. Effective value depends on monthly caps; see the caveats on this page.
Does the BOBCARD Premier Credit Card give airport lounge access?
Yes — 4 domestic visits/year.