Accelerated Bharat QR & Merchant POS Multipliers for Small Businesses
Small business proprietors, traders, and shopkeepers accepting digital payments
₹249
One-time upfront₹249
Waived on ₹25,000 annual spendStandard Points
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The BOBCARD ConQR Credit Card is a specialized business credit card engineered specifically for small merchants, shopkeepers, and micro-enterprises navigating India's digital payment revolution. Its primary advantage is an accelerated merchant rewards formula: cardholders earn 3X reward points on all Bharat QR transactions, vendor supply payments, and business utility bills, translating to an effective return of up to 1.50% on commercial overheads. The card carries an ultra-low entry barrier, featuring a nominal ₹249 joining fee and ₹249 annual renewal fee that is completely reversed upon spending just ₹25,000 annually. It also provides a 1% fuel surcharge waiver and 50 days of interest-free credit for inventory restocking. Limitations include a lack of airport lounge access, absence of consumer lifestyle perks like movie deals, and a standard 3.25% monthly finance charge (39.0% per annum). For small retail shopkeepers, distributors, and local merchants seeking an affordable card that rewards digital procurement, the ConQR card delivers solid pragmatic returns.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Business Utility & Merchant QR Spends | 5 Reward Points per ₹100 spent on business utility and merchant QR transactions (1.25% value; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Commercial Spends | 1 Reward Point per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Business Utility & Merchant QR Spends | ₹12,000 | 5 Reward Points per ₹100 spent on business utility and merchant QR transactions (1.25% value; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Commercial Spends | ₹18,000 | 1 Reward Point per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹249
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for BOBCARD ConQR Credit Card: • Joining & Annual Fee: ₹249 + GST; annual renewal fee completely waived on cumulative annual spends of ₹25,000 or more. • Merchant Accelerator: Earn 3X reward points on all Bharat QR payments, commercial utility bills, and wholesale trade procurement. • Baseline Rewards: 1 reward point per ₹100 on standard retail purchases; redemption available through the BOBCARD Rewardz catalog. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 across domestic petrol pumps. • Finance Charges: 3.25% per month (39.0% annualized) on overdue revolving card balances. • Add-On Privileges: Up to 3 complimentary add-on cards for business partners or family members.
Evaluate whether this card's perks and waiver threshold justify its ₹249 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding BOBCARD ConQR Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official BOBCARD portal with paperless verification.
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