Everyday Accelerated Rewards on Travel, Dining & International Spends
Mid-income professionals seeking a low-fee rewards card with complimentary domestic lounge access and accelerated points on dining and travel.
₹1,000
One-time upfront₹1,000
Waived on ₹1.2 lakh annual spend10 Reward Points/₹100 Spent on Dining, Travel, and International Transactions. All Other Eligible Spends Shall Get 2 Reward Points/₹100
On eligible spends1 Domestic visits/quarter · ₹20k quarterly spend required
Complimentary visitsLast verified 9 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The BOBCARD Premier Credit Card is positioned as a dependable, budget-friendly lifestyle workhorse for consumers who desire airport lounge access and accelerated rewards without committing to premium card fees. Priced at an accessible ₹1,000 annual fee, the card offers 10 reward points per ₹100 spent on travel, dining, and international transactions, translating to a respectable 2.50% value back (1 Reward Point = ₹0.25). General retail transactions yield 2 reward points per ₹100 (0.50% return). A notable strength of the card is the inclusion of 1 complimentary domestic airport lounge visit per calendar quarter (4 visits annually) with no spend thresholds. For a card that waives its annual fee at just ₹1,20,000 annual spend (averaging ₹10,000 per month), providing lounge access and a 1% fuel surcharge waiver makes it an excellent starter product for young professionals building their credit profile. The trade-off lies in the reward capping: the accelerated 10 reward points category is capped at 1,020 points per statement cycle (amounting to ₹10,200 of accelerated spend per month), beyond which spends earn at the base rate of 2 points per ₹100. Furthermore, international transactions incur the standard 3.5% forex markup fee. For cardholders with moderate monthly dining and travel budgets who want predictable fee waivers, BOBCARD Premier offers exceptional utility.
10 Reward Points/₹100 Spent on Dining, Travel, and International Transactions. All Other Eligible Spends Shall Get 2 Reward Points/₹100
500 Reward Points on Spends of ₹5,000 or More in the First 60 Days of Card Issuance
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel, Dining & International Spends | 10 Reward Points per ₹100 spent on travel, dining, and international transactions (2.50% return; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹100 spent on general purchases (0.50% return) | 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 |
|---|---|---|---|---|---|---|
| Travel, Dining & International Spends | ₹12,000 | 10 Reward Points per ₹100 spent on travel, dining, and international transactions (2.50% return; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent on general purchases (0.50% return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹1,000 + 18% GST (offset with 2,000 bonus reward points worth ₹500 on ₹5,000 spend within 60 days). • Annual Renewal Fee: ₹1,000 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving ₹1,20,000 or more in cumulative spends in the preceding card year. • Accelerated Rewards: 10 reward points per ₹100 spent on travel, dining, and international purchases (2.50% reward rate; 1 point = ₹0.25). • Base Rewards: 2 reward points per ₹100 spent on all other retail transactions (0.50% reward rate). • Category Capping: Accelerated 10 reward points capped at 1,020 points per billing cycle. • Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter (4 visits per calendar year). • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across all petrol pumps (up to ₹250 per statement). • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 3.25% per month (39.0% annualized).
Evaluate whether this card's perks and waiver threshold justify its ₹1,000 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 Premier 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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