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PRIME

With almost zero documentation against your , PRIME is a secure card that's exclusively designed to make you cherish your banking relationship.

Cashback redemptionReward points can be redeemed as cashback at ₹0.20 per point.Core reward rate2 Reward Points per ₹100 spent on all other eligible categories; UPI transactions qualify only for core Reward Points and bonus rewards do not apply.Offers and promotional benefitsLifetime Free Card - No Joining & Annual Fees
Official product page ↗Compare category

Quick eligibility check

PRIME

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you aged 18 to 85?

Published source: Eligibility

2Document checkDo you have at least one of these required documents: Recent passport-size photograph with clear/white background and without dark or tinted glasses?

Published source: Eligibility

3Document checkDo you have this required document or proof: PAN card?

Published source: Eligibility

4Document checkDo you have at least one of these required documents: Permanent address proof: Aadhaar card (both sides), Election Commission voter ID, passport or driving licence?

Published source: Eligibility

5Document checkDo you have at least one of these required documents: Guaranteed issuance is available against a fixed deposit of ₹30,000 or more without income proof?

Published source: Minimum income
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
BOBCARD PRIME official card artwork
Offered byBank of Baroda

India; issuance is subject to LIMITED approval and the product-specific criteria

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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
Benefits500 Reward Points on spends of ₹5,000 within 60 days of card issuance; guaranteed issuance against a fixed deposit of ₹30,000 or more without income proof; 2 Reward Points per ₹100 on other eligible spends; 1% fuel-surcharge waiver on ₹400–₹5,000 fuel transactions, capped at ₹250 per statement cycle; Smart EMI conversion for purchases above ₹2,500 over 6–48 months; up to 3 lifetime-free add-on cards for family members above age 18; reward points redeemable as cashback at ₹0.20 per point; no joining or annual fee.View source
The current PRIME page publishes a ₹30,000 minimum fixed deposit for guaranteed issuance, a 500-point welcome benefit on ₹5,000 spend in 60 days, 2 points per ₹100 on other spends and no joining or annual fee.
Source
PRIME
Page / section
Welcome Benefit; Guaranteed Issuance; Additional Benefits
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Annual / renewal feeNilView 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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
Core reward rate2 Reward Points per ₹100 spent on all other eligible categories; UPI transactions qualify only for core Reward Points and bonus rewards do not apply.View source
The page states 2 Reward Points per ₹100 spent on all other categories and notes that earns only core Reward Points.
Source
PRIME — current official product page
Page / section
Additional Benefits — Core Reward Points
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Annual-fee waiverNo annual fee; fee waiver is not applicable.Effective 5 May 2026View source
The annual-fee table lists NIL annual fee and NIL fee-waiver criterion for these lifetime-free variants.
Source
Key Fact Statement — 5 May 2026
Page / section
Annual fees and fee-waiver criteria
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeGuaranteed issuance is available against a fixed deposit of ₹30,000 or more without income proof; the ordinary application route remains subject to BOBCARD assessment, and the guarantee excludes CIBIL-delinquent customers.View source
The current PRIME page says guaranteed issuance is against an of ₹30,000 or more without income proof and notes the -delinquent exception.
Source
PRIME
Page / section
Guaranteed Issuance; Eligibility Criteria
Accessed
8 Sept 2026
Confidence
high
Open official source ↗
Offers and promotional benefitsLifetime Free Card - No Joining & Annual FeesView source
Derived from the manually reviewed “Published card benefits” block; see the issuer source for exclusions and controlling terms.
Source
Published card benefits
Page / section
Current card catalogue
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
EligibilityPrimary cardholder age 18–85; secured FD route available without income proof.View source
Primary cardholder age 18–85; secured route available without income proof.
Source
PRIME — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Accidental-death insurance coverAir and non-air accidental-death cover is not applicable to cards issued after 15 July 2026 for the listed BOBCARD variants; the benefit is discontinued for those variants from 25 August 2026. Listed variants include Eterna, Eterna (FD), Empower Business, Elite, Renaissance, Premier, Premier (FD), Corporate Platinum, Platinum Select, Pragati BGGB, Pragati BRKGB, Select, Select (FD), Swavlamban, Prime, Tiara, Signature, Assure, Pragati BUPB and Varunah Premium.Effective 15 Jul 2026View source
Page 2 lists the affected variants and states that cover stops for cards issued after 15 July 2026 and is discontinued from 25 August 2026.
Source
Revision in Product Features / Benefits effective 15 July 2026
Page / section
Page 1 — revision in product features / benefits
Accessed
26 Aug 2026
Confidence
high
Open official source ↗
Airport lounge accessNo airport lounge access benefit is listed for BOBCARD PRIME on the current product page.Effective 28 Aug 2026View source
The current comparison data marks airport lounge access as for PRIME.
Source
PRIME
Page / section
Comparison benefits — Airport lounge access
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Cashback redemptionReward points can be redeemed as cashback at ₹0.20 per point.View source
The issuer states that all accumulated reward points can be redeemed for cashback at ₹0.20 per reward point.
Source
PRIME — official product page
Page / section
Additional Benefits — Redeem reward points for cashback
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Welcome benefit500 Reward Points when you spend ₹5,000 within 60 days of card issuance.View source
Welcome Benefit: earn 500 Reward Points on spend of ₹5,000 within 60 days of card issuance.
Source
PRIME — current official product page
Page / section
Welcome Benefit
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Fuel-surcharge waiver1% fuel-surcharge waiver at fuel stations across India for transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle; fuel transactions do not earn Reward Points.View source
The page publishes a 1% waiver on transactions between ₹400 and ₹5,000, maximum ₹250 per statement cycle, and excludes Reward Points on fuel.
Source
PRIME — current official product page
Page / section
Additional Benefits — Fuel Surcharge Waiver
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Smart EMI conversionPurchases above ₹2,500 can be converted into Smart EMIs for 6 to 48 months.View source
The page says purchases of more than ₹2,500 can be converted into Smart of 6 to 48 months.
Source
PRIME — current official product page
Page / section
Additional Benefits — Smart option
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Add-on cardsUp to 3 lifetime-free add-on cards for a spouse, parents, siblings or children above age 18.View source
The page publishes up to 3 lifetime-free add-on cards for specified family members and children above age 18.
Source
PRIME — current official product page
Page / section
Additional Benefits — Free Add-on card
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Core reward rate2 Reward Points per ₹100 on eligible spendsView source
The July 2026 table groups Premier, Prime, , Rakshamah, Sentinel and Varunah Plus at 2 RP per ₹100. The Yoddha table row conflicts with its live product page, so its comparison fact is not overwritten pending reconciliation.
Source
Product Features — Important Terms & Conditions (July 2026 edition)
Page / section
Page 1 — Core Reward Points product-rate table
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
BOBCARD SmartDeal booking rulesExtra SmartDeal Reward Points apply to flight and hotel bookings made inside the logged-in BOBCARD mobile app or portal. The issuer states that points are posted within 48 hours after the flight/hotel journey fulfilment date. The product-wise rates are in the accompanying SmartDeal table.View source
The shared table gives product-specific flight/hotel points; rates are preserved in the table rather than inferred from the core reward multiple.
Source
Product Features — Important Terms & Conditions (July 2026 edition)
Page / section
Pages 6–8 — SmartDeal terms and product-rate table
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Pay with Rewards through TWIDAt participating merchants, a minimum of 500 BOBCARD reward points may be redeemed for up to 25% of the invoice. The redemption value is 1 point = ₹0.15, and payment must be made with the card against which points were redeemed. For partial transaction reversals, spend is reversed before points.View source
This is the separate TWID merchant redemption route; it is distinct from any product-specific statement-cashback conversion advertised on a card page.
Source
Product Features — Important Terms & Conditions (July 2026 edition)
Page / section
Page 8 — TWID: Pay with Rewards, terms i–vi
Accessed
25 Sept 2026
Confidence
high
Open official source ↗
Reward programme rules (July 2026 terms)Core earning: 2 Reward Points per ₹100. BOBCARD states Prime is not eligible for accelerated 5X rewards under the July 2026 terms. Transactions below ₹100 do not earn points; fuel is excluded except on HPCL Energie; UPI earns core points only; MCC 4900 utility transactions are not eligible for accelerated points; and Annexure 1 MCC categories are excluded from core and accelerated points. Points generally expire after 2 years (Eterna and Tiara points are evergreen); statement redemption requires at least 1,000 points.View source
Page 1 core rate and express no-accelerated-rewards statement for Prime; common conditions on pages 1 and 4–5.
Source
Product Features — Important Terms & Conditions (July 2026 edition)
Page / section
Pages 1–5 — core rates, named 5X exclusions, earning conditions, validity and redemption
Accessed
25 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Guaranteed issuance against a fixed deposit of ₹30,000 or more without income proof
  • No joining or annual fee
  • 500 Reward Points on ₹5,000 spend within 60 days of issuance
  • 2 Reward Points per ₹100 on other eligible categories
  • 1% fuel-surcharge waiver on ₹400–₹5,000 fuel transactions, capped at ₹250 per statement cycle
  • Smart conversion for purchases above ₹2,500 over 6–48 months

Eligibility

  • Primary cardholder age 18–85
  • secured route available without income proof.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Recent passport-size photograph with clear/white background and without dark or tinted glasses
  • card
  • Permanent address proof: Aadhaar card (both sides), Election Commission voter , passport or driving licence

Related official documents

BOBCARD generic Most Important Terms and Conditions — March 2024official-terms · historical-reference · accessed 26 Aug 2026
↗
BOBCARD Key Fact Statementkey-fact-statement · current-with-later-product-revision · accessed 15 Aug 2026
↗
BOBCARD PRIME — official product pageofficial-product-page · current · accessed 28 Aug 2026
↗
Revision in BOBCARD Product Features / Benefits effective 15 July 2026product-revision · current · accessed 25 Sept 2026
↗
BOBCARD Product Features — Important Terms & Conditionsofficial-pdf · current · accessed 13 Sept 2026
↗
BOBCARD Product Features — Important Terms & Conditions (July 2026 edition)official-card-features-and-rewards-pdf · current · accessed 25 Sept 2026
↗
BOBCARD PRIME — official product pageofficial-product-page · current · accessed 8 Sept 2026
↗
BOBCARD PRIME — official product page (final review)official-product-page · current · accessed 8 Sept 2026
↗
BOBCARD PRIME — current official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
BOBCARD PRIME — official product page, network reviewofficial-product-page · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees
Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees
Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Interest-free period · Published amount or condition20 to 50 days when there is no previous outstanding; not applicable when prior balance is not cleared in full or cash is withdrawn

This value is copied from Generic tariff and finance charges — March 2024. Check the table notes before relying on it.

Source: generic Most Important Terms and Conditions — March 2024 · Pages 1–4 — tariff, billing, insurance, rewards and support Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 19 rows · 2 columnsGeneric BOBCARD tariff and finance charges — March 2024Dated common tariff from the official generic MITC; current 2026 sources control where they differ.View tableHide table

Scroll sideways to view every column

Generic BOBCARD tariff and finance charges — March 2024
Charge / featurePublished amount or condition
Interest-free period20 to 50 days when there is no previous outstanding; not applicable when prior balance is not cleared in full or cash is withdrawn
Minimum amount due5% of outstanding balance or ₹200, whichever is higher; may vary for irregular payments
Cash withdrawal2.5% of amount withdrawn or ₹500, whichever is higher; cash withdrawal unavailable for Unnati co-brand
Finance chargesUnnati 1.50% monthly / 18% p.a.; Eterna, Prime, Varunah Plus, Varunah, Premium, Yoddha, The Sentinel, Vikram, Rakshamah and Empower Business 3.25% monthly / 39% p.a.; Premier, Corporate, Signature, Assure and PayTM 3.49% monthly / 41.88% p.a.; all other cards 3.6% monthly / 43.2% p.a. in this dated
Duplicate bill₹25 per bill
Fuel surcharge waiver: 1% waived on ₹500–₹3,000, capped ₹100/statement; Varunah base: 1% waived on ₹400–₹5,000, capped ₹100; : same range at stations, capped ₹100; other cards: ₹400–₹5,000, capped ₹250; component is not reversed and eligible fuel transactions do not earn reward points
Cheque return / auto-debit bounce2% of payment amount, minimum ₹500
Cash / cheque payment₹250 per cash payment; ₹100 per cheque payment
18% on fees, interest and other charges under the dated government rate cited in the document
Over-limit2.5% of amount above sanctioned limit or ₹600, whichever is higher
Card replacement₹100 per card
Charge-slip retrieval₹250 per charge slip
Foreign currency transaction feeEterna, Varunah Premium, , and 2%; Varunah Plus 2.5%; Yoddha, The Sentinel, Rakshamah and Vikram 3%; all other cards 3.5%; Unnati not valid for international transactions
Limit enhancementNo fee
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 ₹50,000
Rent-payment processing1% of total transaction amount for 6513
Contactless transactionTransactions of ₹5,000 or less can be made by tap without signature or , subject to the dated terms
Billing dispute windowStatement discrepancies should be raised within 15 days of statement generation or 45 days of transaction; later disputes are at discretion
Reward-point lapseReward points lapse on closure, , dues overdue more than 90 days, settlement, fraud after investigation, death, no use for more than 365 days, or certain blocked/replacement-card situations
  • This table is intentionally dated. It is a historical reference and must not override the current , July 2026 revision or current product page.
generic Most Important Terms and Conditions — March 2024 · Pages 1–4 — tariff, billing, insurance, rewards and support · effective 21 Mar 2024 · accessed 26 Aug 2026Open official source ↗
Table 2 · 7 rows · 2 columnsBOBCARD PRIME — published eligibility and benefitsCurrent figures and conditions transcribed from the official BOBCARD PRIME product page.View tableHide table

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BOBCARD PRIME — published eligibility and benefits
FeaturePublished value or condition
Secured issuanceGuaranteed issuance against fixed deposit of ₹30,000 or more without income proof
Welcome benefit500 Reward Points on ₹5,000 spend within 60 days of issuance
Core rewards2 Reward Points per ₹100 on other eligible categories
Fuel surcharge waiver1% at fuel stations across India for ₹400–₹5,000 transactions; maximum ₹250 per statement cycle; no fuel Reward Points
Smart Purchases above ₹2,500; tenure 6–48 months
Add-on cardsUp to 3 lifetime-free cards; family members and children above 18
Primary cardholder age18–85 years
  • The page also states zero joining and annual fees. Product-specific exclusions and reward terms remain controlled by the issuer's .
PRIME — current official product page · Welcome Benefit, Additional Benefits and Application Guidelines · accessed 29 Aug 2026Open official source ↗
Table 3 · 21 rows · 4 columnsBOBCARD core and accelerated reward rulesComplete card-wise reward table reproduced from the official terms PDF.View tableHide table

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BOBCARD core and accelerated reward rules
Product / variantCore rewardAccelerated category or Accelerated cap per statement cycle
EASY / EASY 2 points per ₹100Departmental store 5311; Movies 78321,000 points
SELECT / SELECT 2 points per ₹100Online flag; Dining 58121,000 points
PREMIER / PREMIER 2 points per ₹100International flag; Dining 5812; Travel 47222,000 points
TIARA3 points per ₹100International flag; Dining 5812; Travel 47225,000 points
ETERNA / ETERNA 3 points per ₹100Online flag; International flag; Dining 5812; Travel 47225,000 points
2 points per ₹100Departmental store 53111,000 points
ENERGIE2 points per ₹150Utilities 4812/4899; Departmental store 53111,000 points
SNAPDEAL 4 points per ₹100Online flag; Departmental store 53112,000 points
VARUNAH PREMIUM3 points per ₹100International; Dining 5812; Travel 4722; Online flag2,500 points
VARUNAH PLUS2 points per ₹100International; Dining 5812; Travel 4722; Online flag2,000 points
VARUNAH2 points per ₹100Departmental store 5311750 points
YODDHA2 points per ₹100Departmental store 53111,000 points
RAKSHAMAH2 points per ₹100Departmental store 53111,000 points
THE SENTINEL2 points per ₹100Departmental store 53111,000 points
VIKRAM2 points per ₹100Departmental store 5311; Movies 78321,000 points
EXCLUSIVE2 points per ₹100Online flag; Dining 5812; Utilities 4812/48991,000 points
ONE2 points per ₹100Online flag; Dining 5812; Utilities 4812/48991,000 points
DIAMOND2 points per ₹100Online flag; Dining 5812; Utilities 4812/48991,000 points
RENAISSANCE2 points per ₹100Departmental store 5311; Movies 78321,000 points
PRAGATI2 points per ₹100Departmental store 5311; Movies 78321,000 points
PRIME / CORPORATE / EMPOWER2 points per ₹100No accelerated 5X rewardsNot applicable
  • Transactions below ₹100 do not earn points, except Energie uses a ₹150 threshold.
  • Fuel transactions do not earn points except Energie; earns core points only.
  • and online/international flags are supplied by the merchant acquirer and determine eligibility.
  • Points are valid for 2 years; Eterna and Tiara points are evergreen; 1,000 points are required for statement redemption.
Product Features — Important Terms & Conditions · Pages 1–5 · accessed 13 Sept 2026Open official source ↗
Table 4 · 5 rows · 2 columnsBOBCARD core Reward Points by product variantComplete product grouping and core accrual rates transcribed from page 1. Swavlamban's 800-point statement cap is stated in the note.View tableHide table

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BOBCARD core Reward Points by product variant
Product variant(s) listed by Core Reward Points
Swavlamban; Snapdeal4 RP per ₹100
Easy (including -backed); Select (including -backed); Business Empower; Corporate; ConQR; One; ; Diamond; RRB and Nainital Bank; Varunah; Vikram; Ujjivan-SFB Platinum1 RP per ₹100
Energie2 RP per ₹150
Premier (including -backed); Prime; ; Rakshamah; Sentinel; Varunah Plus; Yoddha; Ujjivan-SFB Elite2 RP per ₹100
Eterna (including -backed); Tiara; Varunah Premium3 RP per ₹100
  • Swavlamban core points are capped at 800 per statement cycle.
  • The live product pages for Varunah and Yoddha state base rates that conflict with this July 2026 shared table; those comparison facts remain unresolved and are not replaced by this table alone.
Product Features — Important Terms & Conditions (July 2026 edition) · Page 1 — Core Reward Points table and footnote · accessed 25 Sept 2026Open official source ↗
Table 5 · 16 rows · 3 columnsBOBCARD accelerated reward categories and statement capsThe full product-wise categories/Merchant Category Codes and accelerated-point caps from pages 2–3.View tableHide table

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BOBCARD accelerated reward categories and statement caps
Product variant(s)Eligible accelerated categories / identifiersCap per statement cycle
Easy; Easy -backedDepartmental stores ( 5311); movies ( 7832)1,000 points
Select; Select -backedOnline transactions with merchant-acquirer online flag; dining ( 5812)1,000 points
ConQROnline flag; dining ( 5812); utilities ( 4812, 4899)1,000 points
Premier; Premier -backedInternational flag; dining ( 5812); travel ( 4722)2,000 points
TiaraInternational flag; dining ( 5812); travel ( 4722)5,000 points
Eterna; Eterna -backedE-commerce online flag; international flag; dining ( 5812); travel ( 4722)5,000 points
Departmental stores ( 5311)1,000 points
EnergieUtilities ( 4812, 4899); departmental stores ( 5311)1,000 points
Snapdeal E-commerce online flag; departmental stores ( 5311)2,000 points
Varunah PremiumInternational flag; dining ( 5812); travel ( 4722); online flag2,500 points
Varunah PlusInternational flag; dining ( 5812); travel ( 4722); online flag2,000 points
VarunahDepartmental stores ( 5311)750 points
Yoddha; Rakshamah; The SentinelDepartmental stores ( 5311)1,000 points each
Exclusive; One; DiamondOnline flag; dining ( 5812); utilities ( 4812, 4899)1,000 points each
Vikram; Renaissance; PragatiDepartmental stores ( 5311); movies ( 7832)1,000 points each
Prime; Corporate; EmpowerNo accelerated Reward Points featureNot applicable
  • Credit-card transactions do not earn accelerated points; utility 4900 is excluded.
  • Eligibility depends on merchant-acquirer online/international flags and mapping; after the product's accelerated cap, further eligible-category spend earns only core points.
  • The issuer states these accelerated features are unavailable on Prime, Corporate and Empower.
Product Features — Important Terms & Conditions (July 2026 edition) · Pages 2–3 — Accelerated Reward Points table and terms · accessed 25 Sept 2026Open official source ↗
Table 6 · 8 rows · 3 columnsBOBCARD SmartDeal flight and hotel reward ratesComplete product-wise SmartDeal points schedule from pages 6–8.View tableHide table

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BOBCARD SmartDeal flight and hotel reward rates
ProductFlight booking per ₹100 ( per ₹150)Hotel booking per ₹100 ( per ₹150)
Easy; Select; Business Empower; Corporate; ; Diamond; One; RRB and Nainital Bank; Varunah; Ujjivan-SFB Platinum4 points10 points
Premier8 points20 points
Tiara; Eterna12 points30 points
Varunah Plus; Vikram; Rakshamah; Yoddha; The Sentinel; ; Prime8 points20 points
Varunah Premium12 points30 points
Snapdeal16 points40 points
8 points per ₹15020 points per ₹150
All other products*4 points10 points
  • Rates apply to bookings through SmartDeal inside the logged-in mobile app or portal.
  • Points are posted within 48 hours after the flight or hotel journey fulfilment date.
  • The source labels an ‘All other products*’ row; the asterisk's product-specific scope is not inferred for products absent from named rows.
Product Features — Important Terms & Conditions (July 2026 edition) · Pages 6–8 — SmartDeal terms and product rate table · accessed 25 Sept 2026Open official source ↗
Table 7 · 6 rows · 2 columnsBOBCARD TWID Pay with Rewards termsFull published point-redemption restrictions and conversion for the TWID channel.View tableHide table

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BOBCARD TWID Pay with Rewards terms
TermPublished condition
AvailabilityAt merchants where Pay by Rewards is available
Minimum redemption500 reward points
Maximum invoice shareUp to 25% of invoice value
Redemption value1 reward point = ₹0.15
Payment methodPayment must use the card against which points were redeemed
Partial reversalSpend amount is reversed first, followed by reward points
Product Features — Important Terms & Conditions (July 2026 edition) · Page 8 — TWID: Pay with Rewards, terms i–vi · accessed 25 Sept 2026Open official source ↗
Table 8 · 13 rows · 2 columnsBOBCARD reward-exclusion Merchant Category Code listComplete Annexure 1 list of merchant categories excluded from core and accelerated reward points and cashback as applicable.View tableHide table

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BOBCARD reward-exclusion Merchant Category Code list
Merchant categoryMerchant Category Codes
Agriculture763, 780, 820, 821, 822, 823, 824, 825
Contractor1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799
Passenger transportation, rail, bus, tolls, roads/bridges and other transport services4111, 4112, 4131, 4784, 4789
Rent6513
Cleaning, maintenance, laundry and personal services (beauty parlour, barber, legal and civic services, etc.)7349, 7211, 7230, 7276, 8111, 8641
Government9211, 9222, 9311, 9399, 9402, 9405
Education8211, 8220, 8241, 8244, 8249, 8299
Hospital8011, 8062
Wallet6539, 6540, 6541, 6542, 6543
Supermarket/convenience, variety and retail stores5261, 5331, 5411, 5499
Insurance5960, 6300
Charity8398, 8661
Fast-food restaurants5814
  • The issuer states these categories do not qualify for core or accelerated Reward Points. Cashback separately excludes the same Annexure 1 list from cashback.
  • Rewards eligibility depends on the /online/international flags supplied by the merchant acquirer.
Product Features — Important Terms & Conditions (July 2026 edition) · Page 12 — Annexure 1 · accessed 25 Sept 2026Open official source ↗
Table 9 · 20 rows · 3 columnsAccidental-death cover discontinuationAffected BOBCARD variants and the two effective-date rules stated in the notice.View tableHide table

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Accidental-death cover discontinuation
Product variantCards issued after 15 July 2026Discontinuation date
EternaNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Eterna ()Not applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Empower BusinessNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
EliteNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
RenaissanceNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
PremierNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Premier ()Not applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Corporate PlatinumNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Platinum SelectNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Pragati BGGBNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Pragati BRKGBNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
SelectNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Select ()Not applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
SwavlambanNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
PrimeNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
TiaraNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
SignatureNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
AssureNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Pragati BUPBNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
Varunah PremiumNot applicable to cards issued after 15 July 2026Discontinued from 25 August 2026
  • The source lists product variants, including variants not represented as separate catalogue records. The table retains every listed variant.
Revision in Product Features / Benefits effective 15 July 2026 · Page 2 — Insurance Feature · effective 25 Aug 2026 · accessed 26 Aug 2026Open official source ↗

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