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EXCLUSIVE

Exclusive benefits for exclusive people! Experience unmatched benefits with EXCLUSIVE , designed and tailored exclusively for members, with world-class privileges and delightful saving opportunities.

Cashback / redemptionICAI Exclusive BOBCARD reward points redeem for cashback at ₹0.25 per point.Rewards5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation; 4000 Reward Points every quarter on Milestone spendsAnnual / renewal feeNil
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Quick eligibility check

EXCLUSIVE

0 of 8 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.

1Does your annual income meet this requirement: ICAI members: salaried customers need ₹3 lakh net annual income or above?

Published source: Minimum income

2Are you an Indian resident?

Published source: Eligibility

3Are you this type of customer: active ICAI member?

Published source: Eligibility

4Are you aged 21 to 75?

Published source: Eligibility

5Document checkDo you have this required document or proof: ICAI membership evidence?

Published source: Eligibility

6Document checkDo you have this required document or proof: Annual ITR for self-employed applicants?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: ₹3 lakh annual ITR or above?

Published source: Minimum income

8Document checkDo you have this required document or proof: ₹3 lakh annual income/ITR?

Published source: Eligibility
0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
ICAI EXCLUSIVE BOBCARD 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 ↗
Published card benefits5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation; 12 Complimentary Domestic Airport Lounge Access per year | 4000 Reward Points every quarter on Milestone spends | Professional Indemnity Insurance Cover of ₹5 LakhView 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
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 ↗
Foreign-currency markup2%View source
Checked against the current official issuer catalogue and controlling terms.
Source
Foreign-currency markup
Page / section
Travel / foreign-currency benefit
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 ↗
Airport lounge accessThree domestic lounge visits per quarter; minimum net spends of ₹40,000 in the preceding calendar quarter are required.Effective 15 Jul 2026View source
The lounge table lists three quarterly visits for Exclusive, Diamond and One with a ₹40,000 preceding-quarter net-spend criterion.
Source
Product Features — Important Terms and Conditions — 15 July 2026
Page / section
Lounge Program
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
NetworkRuPayEffective 15 Jan 2026View source
The January 2026 application form lists this product variant in the RuPay network selection list.
Source
universal application form — 15 January 2026
Page / section
Card network selection
Accessed
21 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 incomeICAI members: salaried customers need ₹3 lakh net annual income or above; self-employed customers need ₹3 lakh annual ITR or above.View source
members: salaried customers need ₹3 lakh net annual income or above; self-employed customers need ₹3 lakh annual or above.
Source
EXCLUSIVE — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Rewards5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation; 4000 Reward Points every quarter on Milestone spendsView 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 ↗
Offers and promotional benefits5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation; 4000 Reward Points every quarter on Milestone spendsView 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 ↗
EligibilityIndian resident; active ICAI member; age 21–75; ₹3 lakh annual income/ITR.View source
Indian resident; active member; age 21–75; ₹3 lakh annual income/.
Source
EXCLUSIVE — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cashback / redemptionICAI Exclusive BOBCARD reward points redeem for cashback at ₹0.25 per point.View source
The official Exclusive page states that accumulated reward points can be redeemed for cashback at ₹0.25 per point.
Source
Exclusive — official product page
Page / section
Additional Benefits — Redeem reward points for cashback
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Lounge programme rules3 per quarter complimentary domestic lounge access; requires minimum net eligible spends of ₹40,000 in the preceding calendar quarter. Newly issued cards are exempt for the issuance quarter under the programme terms; fees, interest, reversed transactions and EMI instalments are excluded from eligible spends. A nominal ₹2 validation swipe is required and a 5-hour cooling period applies at the same lounge outlet.View source
The lounge table publishes product-wise visits and preceding-calendar-quarter spend thresholds; the terms define issuance-quarter exemption, excluded spends, ₹2 validation and the cooling period.
Source
Product Features — Important Terms & Conditions
Page / section
Pages 6–8; Lounge Programme — Eligibility Criteria and Terms
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Core reward rate1 Reward Point per ₹100 on eligible spendsView source
The source groups Corporate, Easy, Select, Business Empower, One, , Diamond, RRB/Nainital bank variants, Vikram and Ujjivan-SFB Platinum at 1 RP per ₹100. Pragati and Nainital Renaissance are the corresponding listed RRB/Nainital products. The separate Varunah row conflicts with its live product page and is not assigned here.
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: 1 Reward Point per ₹100. The July 2026 table lists online transactions (merchant-acquirer online flag), dining (MCC 5812) and utilities (MCC 4812/4899), capped at 1,000 accelerated points per statement cycle. 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. Eligibility depends on merchant-acquirer flags/MCCs. 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; pages 2–3 name the online, dining and utility categories and 1,000-point cap for this group.
Source
Product Features — Important Terms & Conditions (July 2026 edition)
Page / section
Pages 1–5 — core/accelerated reward tables and common programme terms
Accessed
25 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • 5X Rewards i.e. 5 Reward Points for every ₹100 spent on dining, online & utility bills plus 500 bonus reward points on card activation
  • 12 Complimentary Domestic Airport Lounge Access per year | 4000 Reward Points every quarter on Milestone spends | Professional Indemnity Insurance Cover of ₹5 Lakh

Eligibility

  • Indian resident
  • active member
  • age 21–75
  • ₹3 lakh annual income/.

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

Documents the bank lists

  • membership evidence
  • Annual for self-employed applicants

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
↗
Revision in BOBCARD Product Features / Benefits effective 15 July 2026product-revision · current · accessed 25 Sept 2026
↗
BOBCARD universal application form — 30 July 2026official-application-form · current · accessed 26 Aug 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
↗
Domestic lounge access eligibility reminder for October–December 2026 — direct PDF retrieval unavailableofficial-lounge-eligibility-pdf · inaccessible · accessed 25 Sept 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.

Eterna · Joining fee₹2,499two thousand four hundred ninety-nine rupees

This value is copied from Joining and annual fees in the 30 July 2026 application form. Check the table notes before relying on it.

Source: universal application form — 30 July 2026 · Page 1 — Product Name / Variant and fee table Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 14 rows · 5 columnsJoining and annual fees in the 30 July 2026 application formThe form's published fee and reversal criteria. GST applies to joining and annual fees; NA means the form does not specify a fee or reversal criterion for that variant.View tableHide table

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Joining and annual fees in the 30 July 2026 application form
Product / variantJoining feeJoining-fee reversalAnnual feeAnnual-fee reversal
Eterna₹2,499₹25,000 spend within first 60 days₹2,499₹2,50,000 spend in preceding year
Tiara₹2,499₹25,000 spend within first 60 days₹2,499₹2,50,000 spend in preceding year
Indian Navy Varunah Premium₹2,499₹25,000 spend within first 180 days₹2,499₹1,50,000 spend in preceding year
Indian Navy Varunah Plus₹1,499₹15,000 spend within first 180 days₹1,499₹1,50,000 spend in preceding year
Premier₹1,000₹10,000 spend within first 60 days₹1,000₹1,20,000 spend in preceding year
Select₹750₹7,500 spend within first 60 days₹750₹70,000 spend in preceding year
Easy₹500₹6,000 spend within first 60 days₹500₹35,000 spend in preceding year
₹500₹350
Energie₹499₹499₹50,000 spend in preceding year
Snapdeal₹249₹249
Business Empower₹500₹50,000 spend in preceding year
Micro EnterpriseNilNil₹500₹50,000 spend in preceding year
Indian Navy Varunah / Indian Army Yoddha / Assam Rifles The Sentinel / Indian Coast Guard Rakshamah / Vikram / Exclusive / Diamond / One
Cashback₹49 monthly or ₹499 annualNot applicable₹49 monthly or ₹499 annualNot applicable
  • The form says the first-year fee is charged in the first statement for fee-based cards. The source spells the product as ‘Rennaissance’ in the network/fee section; the catalogue uses Renaissance.
universal application form — 30 July 2026 · Page 1 — Product Name / Variant and fee table · effective 30 Jul 2026 · accessed 26 Aug 2026Open official source ↗
Table 2 · 3 rows · 2 columnsCard-network selection in the 30 July 2026 application formNetworks and variants shown as selectable in the official form.View tableHide table

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Card-network selection in the 30 July 2026 application form
NetworkVariants shown in the form
MastercardEterna; Premier; Select; Easy; Cashback; Exclusive; Diamond; One
VisaEterna; Eterna ; Premier; Premier ; Select; Select ; Easy; Easy ; Business Empower
RuPayEterna; Tiara (only for female applicant); Premier; Easy; Energie; ; Snapdeal; Business Empower; Micro Enterprise; Exclusive; Diamond; One; Varunah Premium; Varunah Plus; Varunah; Rakshamah; The Sentinel; Yoddha; Vikram; Pragati (BUPB/BGGB/BRKGB); Renaissance (Nainital Bank)
  • The network options are application-form choices, not a guarantee that every network/variant combination is issued to every applicant.
universal application form — 30 July 2026 · Page 1 — card and card-network choice · effective 30 Jul 2026 · accessed 26 Aug 2026Open official source ↗
Table 3 · 9 rows · 2 columnsPublished application requirements and specialist fieldsFields and explicit requirements shown in the application form; the form does not publish a universal minimum-income number.View tableHide table

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Published application requirements and specialist fields
Applicant routePublished fields / requirement
All applicantsMandatory fields; full name, date of birth, gender, nationality, address, mobile, email, employment status, gross annual income, bank details and self-attested documents
Age / identityPhoto identity proof required; applicant must be over 18 years of age (not applicable for Business Card / Micro Card)
Add-on cardSpouse, parent, sibling or child; date of birth, mobile, , employment status and gross annual income
Defence cardsOrganisation, years/months in current organisation and service designation for Navy, Army, Coast Guard and Assam Rifles variants
IC seriesMembership number and practice period for Exclusive, One and Diamond
Micro EnterpriseJanSamarth reference number and number
Income thresholdNo universal numeric minimum income is stated on this application form; gross annual income is a mandatory field
Insurance declarationThe form states insurance facility is not available on the listed Swavlamban, Easy, Select, Select , Premier, Premier , Eterna, Eterna , Tiara, Empower Business, Corporate, Micro Enterprise, , Energie, Snapdeal, Etihad, Scapia, Uni Gold X, Elite, Renaissance, Platinum Select, Signature, Prime, Assure and Pragati variants
Micro Enterprise guarantee feeAnnual guarantee fee of 0.55% of the credit-card limit under circular 259 dated 18 March 2026; may be revised
  • These are fields/conditions in the form, not an issuer promise of approval. Credit limit and issuance remain at discretion.
universal application form — 30 July 2026 · Pages 2–4 — applicant fields and declarations · effective 30 Jul 2026 · accessed 26 Aug 2026Open official source ↗
Table 4 · 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

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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 5 · 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 6 · 15 rows · 3 columnsBOBCARD lounge access eligibilityComplete product-wise lounge visit and preceding-quarter spend table.View tableHide table

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BOBCARD lounge access eligibility
Product / variantComplimentary domestic visitsMinimum net spend in preceding calendar quarter
ETERNAUnlimited₹40,000
ETERNA Unlimited₹40,000
TIARAUnlimited₹40,000
EXCLUSIVE3 per quarter₹40,000
ONE3 per quarter₹40,000
DIAMOND3 per quarter₹40,000
VARUNAH PREMIUMUnlimited₹40,000
VARUNAH PLUS3 per quarter₹20,000
THE SENTINEL2 per quarter₹20,000
RAKSHAMAH2 per quarter₹20,000
YODDHA2 per quarter₹20,000
CORPORATE2 per quarter₹20,000
PREMIER1 per quarter₹20,000
PREMIER 1 per quarter₹20,000
ENERGIE1 per quarter₹20,000
  • A newly issued card is exempt from the minimum spend for the issuance quarter, subject to the upgrade and late-quarter rules.
  • Interest, fees, bank charges, reversed transactions and instalments are excluded from eligible spend.
  • A nominal ₹2 validation transaction is required; the programme has a 5-hour cooling period at the same lounge outlet.
  • Lounge availability, capacity and third-party lounge rules apply.
Product Features — Important Terms & Conditions · Pages 6–8 · accessed 13 Sept 2026Open official source ↗
Table 7 · 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 8 · 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 9 · 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 10 · 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 11 · 8 rows · 3 columnsBOBCARD domestic lounge eligibility table — valid through 30 September 2026Product visit counts and prior-quarter spend thresholds in the July 2026 terms, retained as a dated Q3 snapshot only; the issuer's separate Oct–Dec 2026 reminder remains inaccessible.View tableHide table

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BOBCARD domestic lounge eligibility table — valid through 30 September 2026
ProductComplimentary domestic lounge visitsMinimum net eligible spend in preceding calendar quarter
Eterna; Eterna ; TiaraUnlimited₹75,000
Exclusive; One; Diamond3 per quarter each₹40,000
Varunah PremiumUnlimited₹75,000
Varunah Plus3 per quarter₹20,000
The Sentinel; Rakshamah; Yoddha2 per quarter each₹20,000
Corporate2 per quarter₹20,000
Premier; Premier 1 per quarter each₹20,000
Energie1 per quarter₹20,000
  • This is the issuer's 2026 snapshot only; do not reuse its criteria for beginning 1 October 2026 until the separate current reminder is reviewed.
  • Net spends exclude interest, fees and other bank charges, reversed transactions and instalments. Freshly issued cards receive the stated first-quarter relaxation; upgrades do not.
  • Access requires a non-refundable ₹2 lounge-validation transaction; a five-hour cooling period applies; entry is subject to lounge availability and operator rules.
Product Features — Important Terms & Conditions (July 2026 edition) · Pages 9–11 — Lounge eligibility and terms · accessed 25 Sept 2026Open official source ↗
Table 12 · 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 ↗

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