Looking for a solid mid-premium travel and dining card? The BOBCARD Premier Credit Card delivers 5X reward points on travel, dining and international spends, one complimentary domestic airport lounge visit every quarter, and easy fee waivers. This complete 2026 review covers fees, rewards, eligibility, pros, cons and whether it fits your spending pattern so you can decide with confidence.
1. Brief Introduction (Card Overview)
2. Key Takeaways
- Best for: Travel + dining spenders who can hit ₹1.2 lakh annual spend for fee waiver
- Top Benefit: 5X rewards (10 RP/₹100 ≈ 2.5% value) on travel, dining & international (capped)
- Annual Fee: ₹1,000 + GST; waived on ₹1,20,000 spend in anniversary year
- Standout Feature: 1 complimentary domestic lounge visit per quarter (with ₹20,000 prior-quarter spend)
- Verdict: Good mid-tier option if you value domestic lounges and accelerated rewards on travel/dining; check current offers and MCC exclusions carefully.
3. Fees & Charges
| Fee Type | Details |
|---|---|
| Joining Fee | ₹1,000 + GST. Waived on spending ₹10,000 within first 60 days of issuance (subject to non-delinquent status). |
| Annual / Renewal Fee | ₹1,000 + GST. Waived on spending ₹1,20,000 in the card anniversary year. |
| Forex Markup Fee | 3.5% on international transactions (GST extra). |
| Finance Charges (Interest) | 3.75% per month (45% per annum) on revolving balances and cash advances. |
| Reward Redemption Fee | Nil (cashback redemption at 1 RP = ₹0.25). |
| Cash Advance Fee | 2.5% of amount or ₹500 (whichever is higher); interest from day 1. |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400–₹5,000 (max ₹250 per statement cycle). No reward points on fuel. |
Always verify the latest tariff on the official BOBCARD website or MITC as charges can be revised.
4. Cashback, Rewards & Discounts
5. Travel Benefits
6. Other Lifestyle & Special Perks
7. Eligibility Criteria
8. Drawbacks & Cons
9. Similar & Alternative Cards
10. Official Website & Essential Links
11. How to Apply
Online Steps:
- Visit the official BOBCARD Premier page and click Apply Now.
- Fill the online application form with personal, employment and income details.
- Complete e-sign using Aadhaar.
- Complete Video KYC as guided.
- Submit and track application status. Approval is subject to internal checks and credit policy.
Documents Required:
12. Safety & Fraud Prevention Tips
13. Should You Get This Card? (Final Verdict)
Pros Summary: The BOBCARD Premier Credit Card is best suited for Indian users who spend regularly on dining and domestic travel, value one domestic lounge visit per quarter, and can comfortably meet the ₹1.2 lakh annual spend for fee waiver. The RuPay + UPI option adds everyday convenience.
Final Conclusion: If your spending aligns with the accelerated categories and you understand the reward caps and MCC exclusions, the BOBCARD Premier Credit Card offers solid mid-tier value. It is not the strongest pure forex or unlimited-lounge card, but it works well as a secondary or primary card for travel + dining focused users. Always check the latest offer and MITC on the official website before applying.
14. Frequently Asked Questions (FAQs)
Q: Can this card be obtained as Lifetime Free?
A: Standard joining and annual fee is ₹1,000 + GST each, with clear waiver conditions. Limited-period Lifetime Free offers have been run in the past (previously till March 2026). Check the official website for any current promotional offer at the time of application.
Q: What is the reward rate on BOBCARD Premier Credit Card?
A: You earn 10 Reward Points (5X) per ₹100 on Travel, Dining and International spends (capped at 2,000 RP per statement cycle) and 2 RP per ₹100 on other eligible spends. 1 RP equals ₹0.25 when redeemed as cashback.
Q: How to unlock lounge access on BOBCARD Premier?
A: You get 1 complimentary domestic airport lounge visit per calendar quarter. From 1 January 2025 onwards, you need to spend at least ₹20,000 in the preceding calendar quarter. The condition is waived for the quarter in which the card is issued.
Q: Is BOBCARD Premier Credit Card good for international travel?
A: It earns 5X rewards on international spends, but the 3.5% forex markup is relatively high and there is no international lounge access. It is better suited as a domestic travel + dining card rather than a primary international card.
Q: What is the minimum income required for BOBCARD Premier?
A: Net annual income should be more than ₹7.2 Lakh for both salaried and self-employed applicants, as per the official eligibility criteria.
Q: Can I link BOBCARD Premier to UPI?
A: Yes, the RuPay variant of the card can be linked to UPI apps. Eligible UPI transactions earn base reward points subject to MCC exclusions.
Q: Are there any reward points on fuel spends?
A: No. Fuel transactions do not earn reward points. You only get the 1% fuel surcharge waiver (subject to limits).
Q: How do I redeem reward points on this card?
A: Reward points can be redeemed as cashback at the rate of 1 RP = ₹0.25 via the BOBCARD app or portal. Points are generally available after statement generation as per terms.
15. Expert Help & Next Steps
Still Confused? Not sure if the BOBCARD Premier Credit Card matches your spending habits and goals?
₹49 Expert Consultation: Get personalised advice from our credit card experts and apply safely without falling for online fraud.
16. Disclaimer
Financial Disclaimer: The information provided in this article is strictly for educational and informational purposes. Credit card fees, interest rates, rewards, lounge benefits and terms & conditions (T&C) are subject to change by BOBCARD Limited / Bank of Baroda over time. Always check the official website of BOBCARD (bobcard.co.in) and the latest Most Important Terms & Conditions before applying for any card. We are not responsible for any financial losses or approved/rejected applications.
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