BOBCARD One
BOBCARD Limited
A free metal card with no reward-rate table published — the appeal here is the card itself and the app, not a headline earn rate.
Free
Joining fee
Free
Annual fee
1%
Forex markup
4.0 / 5
Rating
Eligibility
Estimated minimum income: ₹25,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 660+
Estimated — not officially confirmed by the bank.
Age: 18+
Salaried or self-employed; no minimum credit score officially required (entry-level/credit-building positioning). A separate secured variant is available against an SBM Bank fixed deposit requiring no credit score at all.
Key features
- Metal card, lifetime free
- App-based rewards management (OneCard)
- Up to 50 days interest-free credit
Reward details
1 point per Rs 50 spent
- 5X reward points on Top 2 spend categories in a given month
Redemption
Points redeemable without any charges; EMI conversion available while still earning rewards.
- Points do not expire. Referral bonuses available, capped at 10 referrals/month.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Excited about the benefits; sleek design and transparent fees. — CardInsider user quote
Complaints
- OneCard mobile app malfunctioning/inaccessible; KYC processing delays. — CardInsider user quotes
- Aggressive collections conduct reported after a single missed payment, including threats about legal notices and asset seizure, raising RBI-compliance questions. — CardInsider user quote
Sources
- Aggregator — fees, eligibility, forex, rewards
- Aggregator — eligibility, lounge, sentiment