Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Card issuerBOBCARD LimitedView source
The official page names the product SVANidhi and links to terms; direct page retrieval is incomplete.
- Source
- SVANidhi — official product page
- Page / section
- Product identity and linked card terms
- Accessed
- 25 Sept 2026
- Confidence
- high
Annual feeNo annual fee; lifetime freeView source
The issuer page states no joining fee and no annual fee and describes the card as free for life.
- Source
- SVANidhi — official product page
- Page / section
- Lifetime Free Card
- Accessed
- 25 Sept 2026
- Confidence
- high
Joining feeNo joining feeView source
The issuer page states no joining fee and no annual fee and describes the card as free for life.
- Source
- SVANidhi — official product page
- Page / section
- Lifetime Free Card
- Accessed
- 25 Sept 2026
- Confidence
- high
Fee waiverNo waiver spend is required for the stated no-joining-fee/no-annual-fee lifetime-free offerView source
The page says no joining fee and no annual fee; it does not state a spend-based reversal threshold.
- Source
- SVANidhi — official product page
- Page / section
- Lifetime Free Card
- Accessed
- 25 Sept 2026
- Confidence
- high
Interest-free periodUp to 51 days on purchasesView source
The issuer page advertises up to 51 days of interest-free credit on purchases. Conditions in the linked /remain unreviewed because the current are inaccessible.
- Source
- SVANidhi — official product page
- Page / section
- Interest-Free Days
- Accessed
- 25 Sept 2026
- Confidence
- high
Starting credit limitStarting credit limit ₹10,000; the issuer does not describe this as the maximumView source
The issuer says the card begins with a ₹10,000 credit limit; no maximum is stated in the captured text.
- Source
- SVANidhi — official product page
- Page / section
- Starting Credit Limit
- Accessed
- 25 Sept 2026
- Confidence
- high
Reward points1 Reward Point per ₹100 on eligible spendsView source
The issuer page states one Reward Point per ₹100 on eligible spends; exclusions are recorded separately from the current shared rewards terms.
- Source
- SVANidhi — official product page
- Page / section
- Earn Reward Points
- Accessed
- 25 Sept 2026
- Confidence
- high
Reward redemption value1 Reward Point redeems for ₹0.20 cashbackView source
The issuer page gives the cashback redemption conversion as one point equal to ₹0.20.
- Source
- SVANidhi — official product page
- Page / section
- Redeem Reward Points for Cashback
- Accessed
- 25 Sept 2026
- Confidence
- high
Smart EMI purchase threshold and tenurePurchases above ₹2,500 can be converted into Smart EMIs of 6 to 48 monthsView source
The issuer page says purchases greater than ₹2,500 can be converted to 6–48 month Smart . Conversion charges and foreclosure terms remain unreviewed because the linked is inaccessible.
- Source
- SVANidhi — official product page
- Page / section
- Smart Options
- Accessed
- 25 Sept 2026
- Confidence
- high
EligibilityIndian resident; street vendor registered under PM SVANidhi; the Ministry of Housing and Urban Affairs identifies successful repayment of the second loan tranche as the qualifying scheme condition. BOBCARD's indexed product-page bullet is truncated after ‘Has repaid 1st &…’, so its complete issuer wording and any additional criteria remain under review.View source
The Ministry release states that -linked credit cards are for street vendors who successfully repaid the second loan tranche. current indexed page separately requires Indian residence and SVANidhi registration, but its next bullet is clipped in the reader.
- Source
- SVANidhi -linked credit-card facility — Ministry of Housing and Urban Affairs; product page
- Page / section
- PIB paragraphs 20–21; Application Guidelines / Eligibility Criteria
- Accessed
- 25 Sept 2026
- Confidence
- high
Application documents and identity checksBOBCARD lists a recent passport-size photograph and PAN under proof of identity. The visible address-proof options are Aadhaar (both sides), voter ID, passport and driving licence; the indexed page begins an additional Job Card option but the remainder is clipped. The published digital route requires an online form, Aadhaar e-sign and Video KYC.View source
The first-party indexed page supplies the visible proof choices and three digital application steps, but truncates the rest of the address-proof list.
- Source
- SVANidhi — official product page
- Page / section
- Application Guidelines — Proof of Identity; Address Proof; application steps
- Accessed
- 25 Sept 2026
- Confidence
- high
Card networkRuPayView source
The issuer-hosted card asset is explicitly identified as the SVANidhi RuPay Credit Card. The asset binary could not be archived because the media hostname did not resolve; no local product image is claimed.
- Source
- SVANidhi — official RuPay card artwork
- Page / section
- homepage artwork; image result identifies the card as SVANidhi RuPay Credit Card
- Accessed
- 25 Sept 2026
- Confidence
- high
Effective cashback value on eligible spend0.20% effective cashback on eligible spends (1 Reward Point per ₹100, with ₹0.20 cashback per point); exclusions applyView source
Calculated from the two issuer-published terms: 1 point per ₹100 × ₹0.20 cashback per point = ₹0.20 per ₹100 eligible spend, or 0.20%. This is not a flat rate on excluded transactions.
- Source
- SVANidhi — official product page
- Page / section
- Earn Reward Points; Redeem Reward Points for Cashback
- Accessed
- 25 Sept 2026
- Confidence
- high
Maximum credit limitUp to ₹30,000 under the PM SVANidhi UPI-linked RuPay credit-card scheme.View source
The Ministry of Housing and Urban Affairs states that the -linked RuPay credit card introduced for eligible SVANidhi vendors has a limit up to ₹30,000. The SVANidhi page separately lists ₹10,000 as the starting limit. The ₹30,000 figure is a scheme ceiling, not the amount every applicant receives and not a limit for other variants.
- Source
- SVANidhi scheme credit-card announcement; SVANidhi product page
- Page / section
- PIB release — SVANidhi -linked RuPay credit-card limit; product page — Starting Credit Limit
- Accessed
- 2 Oct 2026
- Confidence
- high
Benefits and features
- Up to 51 days interest-free credit on purchases
- Starting credit limit ₹10,000 (not a published maximum)
- No joining fee and no annual fee
- 1 reward point per ₹100 on eligible spends; 1 point redeems for ₹0.20 cashback
- -linked payments and contactless payments
- Smart for purchases above ₹2,500, over 6 to 48 months
Eligibility
- Indian resident and a street vendor registered under SVANidhi.
- The Ministry of Housing and Urban Affairs says the -linked credit-card facility is for vendors who successfully repaid the second loan tranche; indexed eligibility bullet is truncated after ‘Has repaid 1st &…’, so its complete issuer wording still needs direct retrieval.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Recent passport-size photograph with a clear/white background and without dark or tinted glasses
- card
- Address proof choices visible in the indexed issuer page: Aadhaar (both sides), voter , passport or driving licence; the same page begins an additional Job Card option but its remainder is truncated
- Online application, Aadhaar e-sign and Video in the published digital application flow
Related official documents
BOBCARD official credit-card catalogueofficial-product-catalogue · current-indexed-content · accessed 25 Sept 2026
↗BOBCARD Key Fact Statement, July 2026 edition — direct PDF retrieval unavailableofficial-key-fact-statement · inaccessible · accessed 25 Sept 2026
↗BOBCARD MITC/KFS, July 2026 edition — direct PDF retrieval unavailableofficial-card-terms-pdf · inaccessible · accessed 25 Sept 2026
↗PM SVANidhi BOBCARD — official RuPay card artworkofficial-product-image · asset-binary-inaccessible · accessed 25 Sept 2026
↗PM SVANidhi BOBCARD MITC & KFS — direct PDF retrieval unavailableofficial-product-specific-mitc-kfs · inaccessible · accessed 25 Sept 2026
↗PM SVANidhi BOBCARD — official product pageofficial-product-page · current-indexed-content · accessed 25 Sept 2026
↗Terms and Conditions for EMI on BOBCARD — direct PDF retrieval unavailableofficial-card-emi-terms · inaccessible · accessed 25 Sept 2026
↗BOBCARD Most Important Terms & Conditions — official source indexofficial-terms-index · current · accessed 25 Sept 2026
↗PM SVANidhi Completes One Year of Restructuring: Expanding Credit, Digital Inclusion and Livelihoods Opportunitiesofficial-government-announcement · reviewed; PM SVANidhi card scheme limit · accessed 2 Oct 2026
↗PM SVANidhi scheme extension and UPI-linked RuPay credit-card facility — Ministry of Housing and Urban Affairsofficial-government-release · current · accessed 25 Sept 2026
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