BOBCARD PREMIER
A reward points card: 10 points per ₹100 on travel, dining and international spends (up to 2,000 points a statement cycle), 2 per ₹100 elsewhere, points worth ₹0.25 as cashback, and one domestic lounge visit a quarter on ₹20,000 of quarterly spend. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | ₹1,000 plus GST Product page |
| Annual fee waiver | On ₹1,20,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| From 1 September 2026 the product page gives a ₹0 joining (first-year) fee, flagged as a limited-period offer; the key fact statement of 17 July 2026 gives a ₹1,000 joining fee waived on ₹10,000 of spend in the first 60 days. The ₹1,000 annual fee from the second year is waived on ₹1.2 lakh of spend in the preceding card anniversary year. | |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Travel, dining and international spends (10 points per ₹100, up to 2,000 points a cycle) | 10 points per ₹100 Product page | up to 2,000 points a statement cycle Product page |
| Other eligible spends (2 points per ₹100) | 2 points per ₹100 Product page | no cap on record |
BOBCARD identifies travel by MCC 4722 (travel agencies) and dining by MCC 5812, so flights or hotels booked directly with an airline or hotel may earn only the core 2 points. Utility bills (MCC 4900) and UPI payments get only core points. Online grocery and food delivery are left unrated because supermarket (5411) and fast-food (5814) merchant codes earn nothing. Points earn only on transactions of ₹100 or more and expire after two years.
No rewards on
Benefits
- Lounges: 1 domestic airport lounge visit a quarter — ₹20,000 of spend in the preceding calendar quarter Terms
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Product page
- Welcome: 500 bonus reward points on ₹5,000 of spend in the first 60 days Product page
Also on this card
Quoted from BOBCARD; not counted in the net value.
- Extra 8 points per ₹100 on flights and 20 per ₹100 on hotels booked through BOBCARD SmartDeal Terms
Eligibility
- Indian resident Product page
- Salaried or self-employed Product page
- Net annual income above ₹7.2 lakh Product page
- Age 25 or above Product page
- Age 55 or below Product page
Not published by BOBCARD in the documents read
- the card network
- a RuPay variant for UPI
Where BOBCARD’s documents differ, and what is used
- Joining fee: the product page gives ₹0 from 1 September 2026 as a limited-period offer; the key fact statement of 17 July 2026 gives ₹1,000, waived on ₹10,000 of spend in 60 days. The newer, dated product-page figure is used.
The quotes behind the figures
31 figures, each copied from an official BOBCARD document.
Show every quote and source
“W.e.f. 1st September 2026, ₹0 joining/first-year fee. From the second year onwards, spend ₹1,20,000 in the preceding card anniversary year and get your annual fee of ₹1,000 waived off.”
“Goods & Services Tax 18%”
“All other credit cards: 3.5% of transaction amount”
“All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.25”
“Earn 5X Rewards* i.e 10 Reward Points per ₹100 spent on Travel & International Spends.”
“*Please note that 5X Rewards are capped at 2000 Reward Points on the mentioned categories per statement cycle. Further spends in that statement cycle on these categories will earn Reward Points at the regular earn rate.”
“Earn 5X Rewards* i.e 10 Reward Points per ₹100 spent on your Dining spends”
“Premier, Premier (FD Backed) International - International transaction flag provided by Merchant Acquirer Dining - 5812 2000 Reward points”
“2 Reward Points per ₹100 spent on all other categories*”
“Premier & Premier (FD Backed), Prime, IRCTC, Rakshamah, Sentinel, Varunah Plus, Yoddha and UJJIVAN-SFB Elite. 2 RP per 100”
“Fuel transactions don't accrue/ earn any reward points on any BOBCARD except HPCL Energie BOBCARD”
“Spends on special categories (MCC's) listed in annexure 1 won't qualify for accelerated or core reward points feature.”
“Table 2: Select list of MCC (Merchant Category Code) where Cardholder will not earn any Reward points/ Loyalty benefits.”
“Transportation (Passenger Transportation, Passenger Railways, Bus services, Toll and road and Bridge Fees and Transportation Services - Not Elsewhere Classified) Rent Cleaning and Maintenance, laundry, Personal services (Beauty parlour, barber, Legal and CIVIC services etc) Government Education Hospital Wallet”
“Supermarket and convenience store, Variety Stores, Retail Store Insurance Charity Fast food restaurants”
“₹0 Joining Fee. ₹1000 annual fee waiver on milestone spends. Limited Period Offer”
“Premier ₹ 1,000 ₹ 10,000 in first 60 days”
“Premier ₹ 1,000 ₹ 1,20,000 in Anniversary year”
“Eterna, Tiara, Varunah Premium, ICAI, ICSI, CMA: 2% of transaction amount”
“Further spends in that statement cycle on such spend categories/MCCs will earn Reward Points at the regular earn rate.”
“Rewards Redemption Fees No Fee”
“Also, witness enhanced travel experiences with a ^Complimentary Airport Lounge visit every quarter, at a long list of lounges.”
“Reward Points are valid only for 2 years from the date of accumulation”
“Premier 1 per Quarter Rs. 20,000 in preceding calendar quarter”
“1% fuel surcharge waiver** at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).”
“500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance.”
“Premier 8 points for every Rs.100 20 points for every Rs.100”
“Indian Resident”
“Salaried/Self-employed with Net Annual Income of >₹7.2 Lakh.”
“Age: Minimum 25 years and Maximum 55 years”
“Tailored to suit the traveller in you, PREMIER is the perfect carry-on to take your journeys to new heights. Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology