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Instant RuPay

Get your Lifetime Free RuPay instantly with bob इPay

Cashback / reward formThe official Bank of Baroda Instant RuPay BOBCARD listing publishes 5X rewards on popular spend categories and complimentary lounge access, but does not state a statement-cashback or reward-point cash-conversion rate.Rewards5X Rewards on Popular Spend CategoriesOffers and promotional benefitsExclusive RuPay Shopping Offers
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Quick eligibility check

Instant RuPay

0 of 7 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 an Indian resident?

Published source: Eligibility

2Are you aged 21 to 65?

Published source: Eligibility

3Do you meet this requirement: BOBCARD may request additional variant-specific evidence?

Published source: Required documents

4Document checkDo you have this required document or proof: Recent passport-size photograph?

Published source: Required documents

5Document checkDo you have this required document or proof: PAN card (mandatory)?

Published source: Required documents

6Document checkDo you have at least one of these required documents: Address proof: Aadhaar, voter ID, passport or driving licence?

Published source: Required documents

7Document checkDo you have this required document or proof: Salaried: bank statement showing salary credit for the last 2 months and salary slips as specified?

Published source: Required documents
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Instant RuPay 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 benefits0 Joining & Annual Fees | 5X Rewards on Popular Spend Categories | Complimentary Airport Lounge Access; Smart EMI Options upto 48 months | Exclusive RuPay Shopping Offers | 'Card-less' Payments with bob इPayView 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 ↗
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 ↗
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 ↗
Rewards5X Rewards on Popular Spend CategoriesView 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 benefitsExclusive RuPay Shopping OffersView 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 ↗
Airport-lounge accessComplimentary Airport Lounge AccessView 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; primary age 21–65; income proof; issuer approval.View source
Indian resident; primary age 21–65; income proof; issuer approval.
Source
Instant RuPay — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Cashback / reward formThe official Bank of Baroda Instant RuPay BOBCARD listing publishes 5X rewards on popular spend categories and complimentary lounge access, but does not state a statement-cashback or reward-point cash-conversion rate.View source
The current official listing names 5X rewards on popular spend categories but does not publish a statement-cashback or cash-conversion rate for the Instant RuPay .
Source
Instant RuPay — official product listing
Page / section
Credit-card catalogue / Instant RuPay benefits
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Required documentsCommon BOBCARD application evidence: recent passport-size photograph; PAN card; address proof such as Aadhaar (both sides), voter ID, passport or driving licence; salaried applicants provide a bank statement showing salary credit for the last 2 months, with salary slips accompanied by the statement; self-employed applicants provide a PDF bank statement reflecting business transactions for the last 3 months. BOBCARD may request additional variant-specific evidence.View source
The official guidance lists a recent photograph and as mandatory, Aadhaar/voter /passport/driving licence as address-proof examples, two months of salary-credit statements for salaried applicants and a bank statement covering the last three months of business transactions for self-employed applicants.
Source
— official application guidance and documentation
Page / section
Documentation for — Mandatory Proof, Address Proof and Income Proof
Accessed
13 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • 0 Joining & Annual Fees | 5X Rewards on Popular Spend Categories | Complimentary Airport Lounge Access
  • Smart Options upto 48 months | Exclusive RuPay Shopping Offers | 'Card-less' Payments with bob इPay

Eligibility

  • Indian resident
  • primary age 21–65
  • income proof
  • issuer approval.

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

Documents the bank lists

  • Recent passport-size photograph
  • card (mandatory)
  • Address proof: Aadhaar, voter , passport or driving licence
  • Salaried: bank statement showing salary credit for the last 2 months and salary slips as specified
  • Self-employed: bank statement reflecting business transactions for the last 3 months; may request additional evidence

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 — official application guidance and documentationofficial-application-page · current · accessed 13 Sept 2026
↗
Apply for Credit Card Online — BOBCARD income and approval guidanceofficial-product-page · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

All applicants · Published fields / requirementMandatory fields; full name, date of birth, gender, nationality, address, mobile, email, employment status, gross annual income, bank details and self-attested documents

This value is copied from Published application requirements and specialist fields. Check the table notes before relying on it.

Source: universal application form — 30 July 2026 · Pages 2–4 — applicant fields and declarations Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 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

Scroll sideways to view every column

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 2 · 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 ↗

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