BOBCARD Premier Credit Card

The BOBCARD Premier Credit Card is a premium travel-oriented credit card from BOBCARD. It offers accelerated reward points on travel, dining and international spending, complimentary airport lounge access, and other perks — making it appealing for frequent travelers and lifestyle-conscious users.

BOBCARD Premier Credit Card

Joining Fees	₹1,000
Annual Fees	₹1,000
Card Type	Rewards
Network Type	Visa

Rewards & Benifits

Earn 5X Rewards (10 Reward Points per ₹100) on Travel, Dining and International spends.
Earn 2 Reward Points per ₹100 on all other purchases.
Quarterly complimentary domestic airport lounge visit (subject to spend criteria).
Fuel surcharge waiver: 1% waiver on fuel transactions between ₹400–₹5,000 (max ₹250 per statement cycle).
Smart EMI option: convert purchases over ₹2,500 into EMI of 6–48 months.
Redeem reward points for cashback (1 point = ₹0.25).
Up to 3 lifetime free add-on cards for family (above 18 years).
In-built personal accident insurance cover (Air: ₹50 Lakhs, Non-Air: ₹10 Lakhs).
Zero liability on lost/stolen card.
Contactless payments supported for secure & fast payments.

Fees & Charges

Joining fee: ₹1,000 — waived if you spend ₹10,000 within first 60 days.
Annual fee: ₹1,000 — waived if you spend ₹1,20,000 in a year.
If milestone spends aren’t met, fees will be levied (first-year fee in 3rd bill statement).

Card Details

Reward points capped at 2,000 points per statement cycle for 5X categories; beyond that, regular rate applies.
Fuel transactions do not earn reward points.
GST on fuel surcharge isn’t reversed. Fuel surcharge waiver depends on fuel station and acquiring bank.
Lounge access (as of 1 Jan 2025) requires minimum spend of ₹20,000 in preceding calendar quarter for eligibility.
Eligible cardholders: Indian residents, salaried or self-employed, net annual income > ₹7.2 Lakh; salaried applicants age 21–60 (as primary cardholder).
Documentation required: passport-size photo, PAN card, address proof (Aadhaar/Voter ID/Passport/Driving Licence/Job Card), income proof (salary slips + bank statement or equivalent for self-employed).

Pros & Cons

High rewards on travel, dining, and international spends.
Quarterly lounge access — useful for frequent flyers.
Fuel surcharge waiver.
Flexible EMI facility for large purchases.
Free add-on cards and insurance cover add value.
Potential to get fee waived with milestone spends.

Joining and annual fees apply unless spend thresholds are met.
Lounge access and fee waiver require high spending.
No reward points on fuel spends.
Reward cap per statement cycle limits high spenders.
Network type not specified on the official page.

ELIGIBILITY CRITERIA

Indian resident.
Salaried or self-employed with net annual income > ₹7.2 Lakh.
Primary cardholder age (salaried): 21–60 years.
Required documents: passport-size photograph, PAN Card, valid address proof (Aadhaar, Voter ID, Passport, Driving Licence or Job Card), and income proof (salary slip + bank statement or equivalent) for self-employed.

WELCOME BENEFITS
500 bonus reward points if you spend ₹5,000 or more within 60 days of card issuance.

CARD REVIEW
The BOBCARD Premier Credit Card is ideal for frequent travellers, diners, and shoppers who spend regularly on travel, international, and lifestyle categories — especially if they can meet the milestone spends to waive the fees. For such users, the high reward rate, lounge access, fuel surcharge waiver, and benefits like free add-on cards and insurance make it good value. However, for those with modest spending or irregular usage, the joining/annual fees and spend-based conditions may reduce its appeal. Also, the reward cap and no points on fuel spend limit returns for heavy users in some categories.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

BOBCARD Premier Credit Card