BOBCARD PRIME
BOBCARD Limited
The one card in the catalog genuinely built for someone who'd fail every other card's income/CIBIL filter — worth ensuring this surfaces for low-income or thin-file quiz-takers rather than getting buried.
Free
Joining fee
Free
Annual fee
3.5%
Forex markup
3.9 / 5
Rating
Eligibility
No minimum income specified
No minimum CIBIL score required
Age: 18–85
Secured card requiring a Fixed Deposit with lien marked (aggregator states min FD Rs 30,000+); no income proof required. 'Guaranteed issuance except for CIBIL delinquent customers' — no minimum numeric CIBIL otherwise required.
Key features
- Guaranteed issuance against ₹30,000+ FD
- No income proof required
- 2 pts/₹100
- 500 welcome points on ₹5k spend within 60 days
Reward details
2 reward points per Rs 100 spent on most purchases
Welcome bonus: 500 points (~Rs 100 value) for Rs 5,000 spend within 60 days
Category caps
- UPI transactions: core/base rewards only, capped at 500 points/month; bonus-category rewards excluded entirely for UPI spend
Redemption
Reward points redeemable as cashback.
Ratio: 1 point = Rs 0.20
Excluded from rewards: fuel, agriculture, contractor services, transportation, rent, insurance, telecom, supermarkets, convenience stores, fast food, wallet loads, hospitals, education, government payments, charity donations
- Fuel surcharge waiver 1% on Rs 400-5,000, capped at Rs 250/month and Rs 3,000/year (fuel itself earns no points).
- Accidental death cover (aggregator-sourced, not confirmed officially): Rs 15 lakh air travel, Rs 5 lakh non-air travel.
Real-world feedback
Not found — Paisabazaar's own listing notes no documented user complaints or feedback, consistent with a lower-profile secured/entry-level card.
Sources
- Official — fees, eligibility, rewards
- Aggregator — eligibility, lounge, rewards