BOBCARD SELECT
A reward points card for online shoppers: 5 points per ₹100 on online and dining spends (up to 1,000 points a statement cycle), 1 per ₹100 elsewhere, points worth ₹0.20 as cashback, a 3.5% forex markup and no lounge access. 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 | ₹750 plus GST Product page |
| Annual fee waiver | On ₹70,000 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 ₹750 joining fee waived on ₹7,500 of spend in the first 60 days. The annual fee of ₹750 from the second year is waived on ₹70,000 of spend in the preceding card anniversary year. | |
Rewards
Reward points, ₹0.20 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Online and dining spends (5 points per ₹100, up to 1,000 points a cycle) | 5 points per ₹100 Product page | up to 1,000 points a statement cycle Product page |
| Other eligible spends (1 point per ₹100) | 1 point per ₹100 Product page | no cap on record |
Accelerated points follow the merchant acquirer's online flag and MCC 5812 (dining), so flights and hotels booked online are counted with online spends; utility bills (MCC 4900) and UPI payments get only the core 1 point. Online grocery and food delivery are left unrated because supermarket (5411) and fast-food (5814) merchant codes earn nothing even when paid online. Points earn only on transactions of ₹100 or more and expire after two years.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Product page
- Welcome: 500 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 4 points per ₹100 on flights and 10 per ₹100 on hotels booked through BOBCARD SmartDeal Terms
Eligibility
- Indian resident Product page
- Age 25 or above Product page
- Age 55 or below Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
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 ₹750, waived on ₹7,500 of spend in 60 days. The newer, dated product-page figure is used.
- Insurance: the product page FAQ still lists accidental cover of ₹15 lakh (air) and ₹5 lakh (non-air); BOBCARD's revision effective 15 July 2026 withdraws the cover for SELECT cards issued after that date, so it is not shown.
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 ₹70,000 in the preceding card anniversary year and get your annual fee of ₹750 waived off.”
“Goods & Services Tax 18%”
“All other credit cards: 3.5% of transaction amount”
“Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20”
“Thrill yourself with 5X Rewards* i.e 5 Reward Points per ₹100 spent on online spends, and revel with Attractive Deals & Discounts across leading brands.”
“*Please note that 5X Rewards are capped at 1000 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.”
“It's a foodie's fiesta as you delight yourself with mouthwatering Culinary Offers, and Earn 5X Rewards* i.e 5 Reward Points per ₹100 spent on your Dining spends”
“Select Select (FD Backed) Online-Online transaction flag provided by Merchant Acquirer Dining - 5812 1000 Reward Points”
“1 Reward Point per ₹100 spent on all other categories*.”
“Select 1 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. ₹750 annual fee waiver on milestone spends. Limited Period Offer”
“Select ₹ 750 ₹ 7,500 in first 60 days”
“Select ₹ 750 ₹ 70,000 in Anniversary year”
“Rewards Redemption Fees No Fee”
“Minimum reward points required for redemption against Card statement is 1000 Reward Points”
“Credit Card on UPI transactions are not eligible for Accelerated Reward Points /benefit.”
“Utility Transactions (MCC code 4900) are not eligible for Accelerated Reward Points.”
“Reward Points are valid only for 2 years from the date of accumulation”
“Accidental insurance protection: ₹15 lacs (Air) and ₹5 lacs (Non-Air).”
“Air and Non-Air Accidental Death Cover insurance benefits will not be applicable to cards issued after 15th July 2026 for the products listed below.”
“1% fuel surcharge waiver** at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).”
“Earn 500 reward points on spends of Rs 5000 within 60 days of card issuance”
“Select 4 points for every Rs.100 10 points for every Rs.100”
“Indian Resident”
“Age: Minimum 25 years and Maximum 55 years*”
“Created with love specifically for online shoppers, Select is the ultimate choice when it comes to extra savings on everyday spends. 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