Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
IssuerBOBCARD LIMITEDView source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Issuer
- Page / section
- Issuer
- Accessed
- 15 Aug 2026
- Confidence
- high
Interest-free credit period20 to 50 days when there is no previous outstandingEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Interest-free period
- Accessed
- 15 Aug 2026
- Confidence
- high
Minimum amount due100% of fees, charges, finance charges, GST and EMI amount, plus 2% of retail spends and cash advances, or ₹200, whichever is higher; over-limit amount applies when higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Cash-withdrawal charge2.5% of the amount withdrawn or ₹500, whichever is higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Late-payment chargeNil below ₹100; ₹100 for ₹100–₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 above ₹50,000Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Rent-payment processing fee1% of the transaction amount for rent-payment MCC 6513Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Wallet-loading processing fee1% on wallet-loading MCCs 6539, 6540, 6541 and 6542; wallet loading is not allowed on Micro EnterpriseEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
High-value utility-payment fee1%, capped at ₹3,000 per transaction, when an MCC 4900 utility transaction is ₹50,000 or higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
High-value fuel-payment fee1% when a listed fuel-MCC transaction is ₹10,000 or higher; not applicable to HPCL ENERGIE BOBCARDEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Over-limit charge2.5% of the amount above the sanctioned credit limit or ₹600, whichever is higherEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Cash-payment processing fee₹250 for every cash paymentEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Cheque-payment processing fee₹100 for every cheque paymentEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Cheque-return / auto-debit bounce charge2% of the payment amount, subject to a minimum of ₹500Effective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Card-replacement charge₹100 per cardEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Charge-slip retrieval charge₹250 per charge slipEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Duplicate-bill charge₹25 per billEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
GST on charges18% on fees, interest and other chargesEffective 5 May 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Tariff of charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Published card benefitsUnlimited 1% Cashback on All Other Spends Earn 1% cashback* on every other spend - no reward points to track, no redemption hassle.; Auto-Credited Every Month Your cashback is automatically credited to your card account statement every month - simple, transparent savings.View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Published card benefits
- Page / section
- Current card catalogue
- Accessed
- 15 Aug 2026
- Confidence
- high
Annual / renewal fee₹49 monthly or ₹499 annuallyView source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Annual / renewal fee
- Page / section
- Fees and charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Monthly finance charge3.75% per monthEffective 15 Jul 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Finance charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Annual finance charge45% per annumEffective 15 Jul 2026View source
Checked against the current official issuer catalogue and controlling terms.
- Source
- Key Fact Statement / current product revision
- Page / section
- Finance charges
- Accessed
- 15 Aug 2026
- Confidence
- high
Forex markup3.5% of the transaction amountEffective 5 May 2026View source
The lists 2% for ETERNA, TIARA, Varunah Premium, , and ; 2.5% for Varunah Plus; 3% for Yoddha, The Sentinel, Rakshamah and Vikram; and 3.5% for all other credit cards.
- Source
- Key Fact Statement — 5 May 2026
- Page / section
- Foreign currency transaction fee
- Accessed
- 21 Aug 2026
- Confidence
- high
Annual-fee waiverNo fee reversal; choose ₹49 monthly or ₹499 annual fee plan.View source
The product page states that the cardholder can select a ₹49 monthly fee or ₹499 joining and annual fee plan and that the fee-plan change is limited.
- Source
- Cashback Credit Card
- Page / section
- Joining and annual fee
- Accessed
- 21 Aug 2026
- Confidence
- high
RewardsNo reward points; eligible cashback is posted automatically to the card statement each month.View source
The product page states cashback is auto-credited every month with no reward-point redemption.
- Source
- Cashback Credit Card
- Page / section
- Automatic cashback
- Accessed
- 21 Aug 2026
- Confidence
- high
EligibilityIndian resident; age 25–55 years (the page notes lower and higher cut-offs may be considered at BOBCARD’s discretion); salaried or self-employed; minimum net annual income ₹3 lakh salaried or ₹3.6 lakh self-employed.Effective 8 Jul 2026View source
The page publishes Indian residency, 25–55 age criteria, discretionary cut-off flexibility and separate salaried/self-employed income criteria.
- Source
- Cashback Credit Card
- Page / section
- Application Guidelines — Eligibility Criteria
- Accessed
- 28 Aug 2026
- Confidence
- high
Card networkMastercardEffective 8 Jul 2026View source
The official page says the Mastercard Cashback Credit Card can be added to Google Pay.
- Source
- Cashback Credit Card
- Page / section
- Additional Benefits — GPay + Cashback
- Accessed
- 28 Aug 2026
- Confidence
- high
Minimum incomeSalaried applicants: minimum net annual income ₹3 lakh; self-employed applicants: minimum net annual income ₹3.6 lakh.Effective 8 Jul 2026View source
The current official page lists Indian-resident applicants aged 25–55 and states minimum net annual income of ₹3 lakh for salaried applicants and ₹3.6 lakh for self-employed applicants.
- Source
- Cashback Credit Card
- Page / section
- Application Guidelines — Eligibility Criteria
- Accessed
- 28 Aug 2026
- Confidence
- high
Offers and promotional benefitsPartner offers and discounts are available through the BOBCARD offers page and are updated regularly; the product page does not promise a fixed partner list.Effective 8 Jul 2026View source
The official page directs cardholders to the offers page for additional offers and partner discounts that are updated regularly.
- Source
- Cashback Credit Card
- Page / section
- Additional Benefits — More Savings, More Happy Returns
- Accessed
- 28 Aug 2026
- Confidence
- high
Airport lounge accessNo airport lounge access benefit is listed in the current BOBCARD Cashback product proposition.Effective 8 Jul 2026View source
The current page lists cashback, fuel waiver, , add-on cards, contactless payments and other benefits but does not list airport lounge access.
- Source
- Cashback Credit Card
- Page / section
- Current product benefits and comparison fields
- Accessed
- 28 Aug 2026
- Confidence
- medium
Required documentsCommon BOBCARD application evidence: recent passport-size photograph; PAN card; address proof such as Aadhaar (both sides), voter ID, passport or driving licence; salaried applicants provide a bank statement showing salary credit for the last 2 months, with salary slips accompanied by the statement; self-employed applicants provide a PDF bank statement reflecting business transactions for the last 3 months. BOBCARD may request additional variant-specific evidence.View source
The official guidance lists a recent photograph and as mandatory, Aadhaar/voter / passport/ driving licence as address-proof examples, two months of salary-credit statements for salaried applicants and a bank statement covering the last three months of business transactions for self-employed applicants.
- Source
- — official application guidance and documentation
- Page / section
- Documentation for — Mandatory Proof, Address Proof and Income Proof
- Accessed
- 13 Sept 2026
- Confidence
- high
Cashback rate and cap1% on domestic point-of-sale and international transactions; domestic e-commerce earns 1% base plus 4% accelerated cashback (5% total), capped at ₹1,500 per statement cycle. The accelerated online rate requires at least 4 transactions in the statement cycle.View source
The complete published table gives domestic , international and domestic e-commerce rates; the online accelerated cap is ₹1,500 per statement cycle and requires four transactions.
- Source
- Product Features — Important Terms & Conditions (July 2026 edition)
- Page / section
- Pages 5–6 — Cashback terms and cashback table
- Accessed
- 25 Sept 2026
- Confidence
- high
Reward eligibility and posting rulesTransactions below ₹100, selected MCCs in Annexure 1, fuel, ATM cash withdrawals and quasi-cash transactions do not earn cashback. Cashback is posted to the subsequent statement, is computed on net eligible spends, and is reversed when a transaction is cancelled, returned or reversed.View source
The issuer lists the transaction threshold, excluded transaction types, statement posting and reversal treatment.
- Source
- Product Features — Important Terms & Conditions (July 2026 edition)
- Page / section
- Pages 5–6 — Cashback eligibility, exclusions, posting and reversal
- Accessed
- 25 Sept 2026
- Confidence
- high
Benefits and features
- Unlimited 1% Cashback on All Other Spends Earn 1% cashback* on every other spend - no reward points to track, no redemption hassle.
- Auto-Credited Every Month Your cashback is automatically credited to your card account statement every month - simple, transparent savings.
Eligibility
- Indian resident
- age 25–55 years (the page notes lower and higher cut-offs may be considered at discretion)
- salaried or self-employed
- minimum net annual income ₹3 lakh salaried or ₹3.6 lakh self-employed.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Recent passport-size photograph
- card (mandatory)
- Address proof: Aadhaar, voter , passport or driving licence
- Salaried: bank statement showing salary credit for the last 2 months and salary slips as specified
- Self-employed: bank statement reflecting business transactions for the last 3 months; may request additional evidence




