Credit cards

Swavlamban

Earn 4 core reward points per ₹100 of eligible spends, capped at 800 core points per statement cycle.

Core reward rate4 Reward Points per ₹100 on eligible transactions, subject to a maximum of 800 core Reward Points per statement cycle Card issuerBOBCARD Limited Personal accidental-death coverDiscontinued for Swavlamban effective 25 August 2026; cards issued after 15 July 2026 were already excluded from the cover.

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✓ Manually checked 25 Sept 2026 · active

Official BOBCARD Swavlamban credit-card artwork

Offered byBank of Baroda

India; issuer eligibility and issuance terms remain under review

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 current issuer names Limited and explicitly lists Swavlamban in its current core-reward table.

Source: Product Features — Important Terms & Conditions (July 2026 edition)
Page / section: Cover and page 1
Accessed: 25 Sept 2026
Confidence: high

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Core reward rate4 Reward Points per ₹100 on eligible transactions, subject to a maximum of 800 core Reward Points per statement cycleView source

The product table lists Swavlamban at 4 RP per 100; the footnote caps Swavlamban core rewards at 800 points per statement cycle.

Source: Product Features — Important Terms & Conditions (July 2026 edition)
Page / section: Page 1 — Core Reward Points product-rate table and Swavlamban footnote
Accessed: 25 Sept 2026
Confidence: high

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Personal accidental-death coverDiscontinued for Swavlamban effective 25 August 2026; cards issued after 15 July 2026 were already excluded from the cover.Effective 25 Aug 2026View source

The complete two-page issuer revision lists Swavlamban in section 4 and states that air/non-air accidental-death cover was discontinued effective 25 August 2026; cover does not apply to cards issued after 15 July.

Source: Revision in Product Features / Benefits effective 15 July 2026
Page / section: Page 2 — Insurance Feature; Swavlamban listed among variants; cover discontinued effective 25 August 2026
Accessed: 25 Sept 2026
Confidence: high

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Core reward rate4 Reward Points per ₹100 on eligible spendsView source

The current table groups Snapdeal and Swavlamban at 4 RP per ₹100; the Swavlamban core-reward cap is 800 points per statement cycle.

Source: Product Features — Important Terms & Conditions (July 2026 edition)
Page / section: Page 1 — Core Reward Points product-rate table and Swavlamban cap footnote
Accessed: 25 Sept 2026
Confidence: high

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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

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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

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Reward programme rules (July 2026 terms)Core earning: 4 Reward Points per ₹100, capped at 800 core points per statement cycle. The July 2026 product table does not assign Swavlamban an accelerated-reward category. 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 post after statement generation, generally expire after 2 years (Eterna and Tiara points are evergreen), and statement redemption requires at least 1,000 points. A newer product-specific MITC remains inaccessible, so these shared reward rules do not resolve Swavlamban's current fees or eligibility.View source

Page 1 lists 4 RP per ₹100 and an 800-point statement cap; pages 1 and 4–5 provide shared accrual, expiry and redemption terms.

Source: Product Features — Important Terms & Conditions (July 2026 edition)
Page / section: Pages 1–5 — Swavlamban core cap, exclusions, validity and redemption
Accessed: 25 Sept 2026
Confidence: high

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Reward redemption and statement adjustmentReward points redeemed as cashback are credited to the card account; this credit does not count as payment for the latest statement. The cardholder must still pay the previous statement outstanding, and cashback is adjusted against the next statement balance. At least 1,000 reward points are required for statement redemption.View source

states that redeemed cashback is adjusted to the next statement and does not discharge the amount due on the latest statement; its requires at least 1,000 points for statement redemption.

Source: Product Features — Important Terms & Conditions (July 2026 edition)
Page / section: Pages 4–5 — Reward Point Validity and Expiry; cashback credit treatment
Accessed: 25 Sept 2026
Confidence: high

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January 2026 joining fee (historical)₹250 for the primary cardholder; NIL for an add-on card. The January 2026 MITC says the primary fee is waived when ₹2,500 is spent in the first 60 days. The issuer's later consolidated MITC (index updated 7 August 2026) is inaccessible, so the figure is a dated published value, not confirmed current.Effective 15 Jan 2026View source

The official indexed table lists Swavlamban at ₹250 with a ₹2,500 spend criterion in the first 60 days; it distinguishes the first-statement fee and says add-on cards have no joining/annual fee. This table is dated and a newer August-indexed could not be retrieved.

Source: — 15 January 2026 tariff
Page / section: Tariff of Charges — Joining Fee / First Year Fee; Swavlamban row
Accessed: 25 Sept 2026
Confidence: medium

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January 2026 annual fee (historical)₹250 per year for the primary cardholder; NIL for an add-on card. The January 2026 MITC sets a ₹12,000 spend threshold in the card-anniversary year for the annual-fee waiver. A later consolidated MITC updated 7 August 2026 is inaccessible, so current applicability is unconfirmed.Effective 15 Jan 2026View source

The official indexed annual-fees table lists ₹250 for Swavlamban and a ₹12,000 anniversary-year waiver threshold; add-on cards have no annual fee. A newer August-indexed could not be retrieved.

Source: — 15 January 2026 tariff
Page / section: Tariff of Charges — Annual Fees; Swavlamban row
Accessed: 25 Sept 2026
Confidence: medium

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January 2026 fee-waiver criteria (historical)January 2026 tariff: ₹250 joining fee reversed after ₹2,500 spend in the first 60 days; ₹250 annual fee waived after ₹12,000 spend in the card-anniversary year. The newer consolidated MITC updated 7 August 2026 is inaccessible, so confirm before treating these as current.Effective 15 Jan 2026View source

Both fee-waiver thresholds are explicit in the issuer's indexed product-wise tables; the newer consolidated remains inaccessible.

Source: — 15 January 2026 tariff
Page / section: Tariff of Charges — Joining Fee / First Year Fee and Annual Fees; Swavlamban row
Accessed: 25 Sept 2026
Confidence: medium

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January 2026 monthly finance charge (historical)3.75% per month (45% per annum in the 15 January 2026 MITC; later consolidated MITC updated 7 August 2026 is inaccessible, so the current rate is unconfirmed).Effective 15 Jan 2026View source

The issuer's table states 3.75% monthly, 45% per annum for all other credit cards; the 15 July revision changes Eterna/Tiara rates specifically. Current Swavlamban rate still requires the inaccessible newer consolidated .

Source: — 15 January 2026 tariff
Page / section: Tariff of Charges — Finance Charges; all other credit cards
Accessed: 25 Sept 2026
Confidence: medium

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January 2026 annualized finance charge (not issuer-labelled APR)45% per annum, as an annualized finance charge in the 15 January 2026 MITC; the issuer does not label this row APR. A later consolidated MITC updated 7 August 2026 is inaccessible, so current rate is unconfirmed.Effective 15 Jan 2026View source

publishes 3.75% per month, i.e. 45% per annum, in its Finance Charges row; it does not call the figure . The later consolidated could not be retrieved.

Source: — 15 January 2026 tariff
Page / section: Tariff of Charges — Finance Charges; all other credit cards
Accessed: 25 Sept 2026
Confidence: medium

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January 2026 foreign-currency fee (historical)3.5% of the transaction amount in the 15 January 2026 MITC's 'all other credit cards' category. Current applicability is unconfirmed because the newer consolidated MITC updated 7 August 2026 is inaccessible.Effective 15 Jan 2026View source

Swavlamban is not among the specially listed network/card groups; the published residual row is 'All other credit cards: 3.5%'. A newer current could not be reviewed.

Source: — 15 January 2026 tariff
Page / section: Tariff of Charges — Foreign Currency Transaction Fee; all other credit cards
Accessed: 25 Sept 2026
Confidence: medium

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January 2026 fuel-surcharge waiver (historical)January 2026 tariff's residual card group: 1% waiver on fuel transactions from ₹400 to ₹5,000, capped at ₹250 per statement. The same terms list fuel purchases as ineligible for Reward Points. Current applicability is unconfirmed pending the newer consolidated MITC.Effective 15 Jan 2026View source

The issuer's residual card row states the waiver percentage, transaction range and cap; its current reward terms say fuel does not earn points except on Energie.

Source: — 15 January 2026 tariff
Page / section: Tariff of Charges — Surcharge on usage at Petrol outlets; all other credit cards
Accessed: 25 Sept 2026
Confidence: medium

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Reward redemption value in 2025 leaflet (historical)₹0.20 per Reward Point in the 2025 Swavlamban leaflet. The July 2026 shared Reward Terms reviewed here do not state the Swavlamban point-to-rupee conversion; the current value is therefore unconfirmed.View source

The archived leaflet states 1 point = ₹0.20. The current shared terms reviewed do not repeat a Swavlamban conversion rate, and the newer consolidated is inaccessible; treat ₹0.20 as the historical published value until confirmed.

Source: Swavlamban leaflet
Page / section: Page 1 — Redeem Reward Points for Cashback
Accessed: 25 Sept 2026
Confidence: medium

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Previously listed network variantsVisa and Mastercard variants were listed by BOBCARD in its credit-card insurance RFP; current issuance options are unconfirmed.View source

The issuer's published insurance RFP groups 'Master Swavlamban' and 'Visa Swavlamban' under Level 6. The 2026 current application/network choices have not been confirmed.

Source: credit-card insurance procurement schedule
Page / section: Level 6 variant list — Master Swavlamban; Visa Swavlamban
Accessed: 25 Sept 2026
Confidence: medium

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Benefits and features

4 core reward points per ₹100 on eligible transactions, up to 800 core points per statement cycle

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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.

Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹1,750one thousand seven hundred fifty rupees

Balance after that interest₹51,750fifty-one thousand seven hundred fifty rupees

Monthly rate × 1242%

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.

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TableProduct variant(s) listed by BOBCARD

Swavlamban; Snapdeal · Core Reward Points4 RP per ₹100

This value is copied from core Reward Points by product variant. Check the table notes before relying on it.

Source: Product Features — Important Terms & Conditions (July 2026 edition) · Page 1 — Core Reward Points table and footnote Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 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; Snapdeal	4 RP per ₹100
Easy (including -backed); Select (including -backed); Business Empower; Corporate; ConQR; One; ; Diamond; RRB and Nainital Bank; Varunah; Vikram; Ujjivan-SFB Platinum	1 RP per ₹100
Energie	2 RP per ₹150
Premier (including -backed); Prime; ; Rakshamah; Sentinel; Varunah Plus; Yoddha; Ujjivan-SFB Elite	2 RP per ₹100
Eterna (including -backed); Tiara; Varunah Premium	3 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 2 · 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
Term	Published condition
Availability	At merchants where Pay by Rewards is available
Minimum redemption	500 reward points
Maximum invoice share	Up to 25% of invoice value
Redemption value	1 reward point = ₹0.15
Payment method	Payment must use the card against which points were redeemed
Partial reversal	Spend 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 3 · 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 category	Merchant Category Codes
Agriculture	763, 780, 820, 821, 822, 823, 824, 825
Contractor	1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799
Passenger transportation, rail, bus, tolls, roads/bridges and other transport services	4111, 4112, 4131, 4784, 4789
Rent	6513
Cleaning, maintenance, laundry and personal services (beauty parlour, barber, legal and civic services, etc.)	7349, 7211, 7230, 7276, 8111, 8641
Government	9211, 9222, 9311, 9399, 9402, 9405
Education	8211, 8220, 8241, 8244, 8249, 8299
Hospital	8011, 8062
Wallet	6539, 6540, 6541, 6542, 6543
Supermarket/convenience, variety and retail stores	5261, 5331, 5411, 5499
Insurance	5960, 6300
Charity	8398, 8661
Fast-food restaurants	5814

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 4 · 26 rows · 3 columnsBOBCARD product-wise joining and first-year fee schedule (15 January 2026) — indexed extractComplete issuer-table transcription available in the indexed PDF text; a newer consolidated MITC updated 7 August 2026 has been found but its PDF is inaccessible, so treat these as dated published figures rather than current-confirmed fees.View tableHide table

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BOBCARD product-wise joining and first-year fee schedule (15 January 2026) — indexed extract
Product variant	Primary-cardholder joining/first-year fee	Fee-waiver criterion
Easy	₹500	₹6,000 spend in first 60 days
Select	₹700	₹7,500 spend in first 60 days
Premier	₹1,000	₹10,000 spend in first 60 days
Eterna; Eterna (-backed)	₹2,499	₹25,000 spend in first 60 days
Tiara	₹2,499	₹25,000 spend in first 60 days
Swavlamban	₹250	₹2,500 spend in first 60 days
Easy; Select; Premier (-backed)	NIL	NIL
ConQR	NIL	NIL
Empower Business Card	NIL	Not stated in indexed row
Corporate Global	NIL	Not stated in indexed row
PRAGATI	NIL	NIL
Renaissance	NIL	NIL
	₹500	NIL
Energie	₹499	NIL
Snapdeal	₹249	NIL
One	₹1	NIL
Diamond	NIL	NIL
Exclusive	NIL	NIL
Yoddha	NIL	NIL
The Sentinel	NIL	NIL
Rakshamah	NIL	NIL
Vikram	NIL	NIL
Varunah Premium	₹2,499	₹25,000 in 180 days
Varunah Plus	₹1,499	₹15,000 in 180 days
Varunah	NIL	NIL
Cashback	₹499 joining or ₹49 monthly	No fee reversal

For the first group (Easy, Select, Premier, Eterna, Tiara), fee is levied in the third statement cycle if spend criteria are not met. For the next group beginning Swavlamban, the issuer says the fee is levied in the first statement cycle and waived once the spend criterion is met.
No joining or annual fee is applicable to add-on cards.
Indexed text retrieved; direct file, page count and visual review unavailable. This table is a retained dated extract, not a claim of complete review.

Most Important Terms and Conditions — 15 January 2026 tariff · Tariff of Charges — Joining Fee / First Year Fee, tables e1–e2 · accessed 25 Sept 2026Open official source ↗

Table 5 · 26 rows · 3 columnsBOBCARD product-wise annual-fee schedule (15 January 2026) — indexed extractComplete issuer table transcription available in the indexed PDF text; a newer consolidated MITC updated 7 August 2026 has been found but its PDF is inaccessible, so treat these as dated published figures rather than current-confirmed fees.View tableHide table

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BOBCARD product-wise annual-fee schedule (15 January 2026) — indexed extract
Product variant	Primary-cardholder annual fee	Fee-waiver criterion
Easy	₹500	₹35,000 in card-anniversary year
Select	₹700	₹70,000 in card-anniversary year
Premier	₹1,000	₹1,20,000 in card-anniversary year
Eterna; Eterna (-backed)	₹2,499	₹2,50,000 in card-anniversary year
Tiara	₹2,499	₹2,50,000 in card-anniversary year
Swavlamban	₹250	₹12,000 in card-anniversary year
Easy; Select; Premier (-backed)	NIL	NIL
ConQR	NIL	NIL
Empower Business Card	₹500	₹50,000 in card-anniversary year
Corporate Global	₹1,000	₹1,00,000 in card-anniversary year
PRAGATI	₹250	₹25,000 in card-anniversary year
Renaissance	₹250	₹25,000 in card-anniversary year
	₹350	NIL
Energie	₹499	₹50,000 in card-anniversary year
Snapdeal	₹249	NIL
One	NIL	NIL
Diamond	NIL	NIL
Exclusive	NIL	NIL
Yoddha	NIL	NIL
The Sentinel	NIL	NIL
Rakshamah	NIL	NIL
Vikram	NIL	NIL
Varunah Premium	₹2,499	₹1,50,000 in card-anniversary year
Varunah Plus	₹1,499	₹1,50,000 in card-anniversary year
Varunah	NIL	NIL
Cashback	₹499 annually or ₹49 monthly	No fee reversal

The issuer defines the card-anniversary year as beginning on the card-issuance date.
No joining or annual fee applies to add-on cards.
Indexed text retrieved; direct file, page count and visual review unavailable. This table is a retained dated extract, not a claim of complete review.

Most Important Terms and Conditions — 15 January 2026 tariff · Tariff of Charges — Annual Fees, table e3 · accessed 25 Sept 2026Open official source ↗

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What the official sources publish

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