BOBCARD Select Credit Card benefits
- Rewards5
reward points per ₹100 on online and dining spends
up to 1,000 points per statement cycle
- Rewards1
reward point per ₹100 on other spends, worth ₹0.20 each
- Rewards500
welcome points on spends of ₹5,000 within 60 days
- Fuel1%
fuel surcharge waiver
up to ₹250 per statement cycle
Good to know
- ₹0 joining fee from 1 September 2026
- ₹750 renewal fee, waived on yearly spends of ₹70,000 or more
BOBCARD Select Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Online shoppingOnline spends. Online and dining share one limit of 1,000 accelerated points per statement cycle. Further spends earn 1 point per ₹100. | 5 points per ₹100 | 1,000 |
| Dining and food deliveryDining spends (MCC 5812). Shares the 1,000 point limit with online spends. | 5 points per ₹100 | 1,000 |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.2 in the usual redemption.
No rewards on: Fuel, rent, wallet loads, insurance, education, government payments, tolls, supermarkets and other select merchant categories. Transactions below ₹100 earn no points.
All reward rules
- 1 reward point is worth ₹0.20 when redeemed as cashback against the card statement. At least 1,000 points are needed.
- Credit card spends through UPI and utility spends (MCC 4900) earn no accelerated points.
- Supermarket and convenience store spends (MCC 5411, 5499) earn no points.
- A welcome benefit of 500 points is given on spends of ₹5,000 within 60 days of card issue.
- Reward points are valid for 2 years from the date they are earned.
What the BOBCARD Select Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0% | ₹0 |
| Dining and food delivery | ₹2,000 | 1% | ₹240 |
| Online shopping | ₹18,000 | 1% | ₹2,160 |
| Travel | ₹1,000 | 0.2% | ₹24 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.2% | ₹48 |
| Everything else | ₹3,000 | 0.2% | ₹72 |
| Total | ₹30,000 | ₹2,544 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹2,544* |
BOBCARD Select Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- ₹750
- Fee waiver
- ₹70,000 a year
- Foreign currency markup
- 3.5%
BOBCARD's card page shows a ₹0 joining fee from 1 September 2026 and a ₹750 renewal fee from the second year. It is waived if you spend ₹70,000 in the previous card year. BOBCARD's Key Fact Statement of 17 July 2026 still shows a ₹750 joining fee unless you spend ₹7,500 in the first 60 days. We use the newer card page. Fees are before GST.
Fuel surcharge: 1% waiver on fuel transactions from ₹400 to ₹5,000, up to ₹250 per statement cycle.
BOBCARD Select Credit Card eligibility
- Age
- 21 to 60
Indian resident. BOBCARD may set lower or higher age cut-offs at its discretion. The card page gives no minimum income. It lists salary-credit bank statements as income proof.
The bank alone decides approval and your credit limit.
BOBCARD Select Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the BOBCARD Select Credit Card right for you?
A card with a ₹750 fee that spending can waive, paying 1% on online shopping and a below-average 0.2% elsewhere.
Worth its fee if you spend about ₹6,000 a month or more. Below that, the ₹750 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on online shopping: the card pays 1% back there, against 0.2% on most other spends.
- You spend ₹70,000 a year or more (about ₹5,900 a month), so the ₹750 renewal fee is waived.
Not for you if
- You spend less than about ₹5,900 a month: you would pay ₹885 a year with GST.
- Much of your spending is on groceries: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to BOBCARD Select Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| BOBCARD Select Credit Card | ₹750 | 1% | ₹1,560* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| RBL Bank Cookies Credit Card | ₹1,200 | 10% | ₹1,344* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹12,360 a year, against ₹2,544 with the BOBCARD Select Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the BOBCARD Select Credit Card?
The renewal fee is ₹750 before GST, from the second year. It is waived if you spend ₹70,000 in the previous card year. The joining fee is ₹0 from 1 September 2026 on BOBCARD's card page.
Is the BOBCARD Select Credit Card lifetime free?
No. It has a ₹750 renewal fee. You avoid it only by spending ₹70,000 or more in the previous card year.
What reward points does the BOBCARD Select Credit Card give?
It gives 5 points per ₹100 on online and dining spends, up to 1,000 points per statement cycle. Other spends earn 1 point per ₹100. Each point is worth ₹0.20 as cashback.
Which spends earn no points on this card?
Fuel earns no points. Select categories such as rent, wallet loads, insurance, education, government payments, tolls and supermarkets also earn none. Transactions below ₹100 earn no points.
Does the BOBCARD Select Credit Card give airport lounge access?
No. BOBCARD's lounge program table does not include this card.
Who can apply for the BOBCARD Select Credit Card?
You must be an Indian resident aged 21 to 60 years. BOBCARD may use lower or higher cut-offs. The card page gives no minimum income.