BOBCARD SELECT
BOBCARD Limited
A balanced online-plus-dining rewards card at a moderate fee.
₹750
Joining fee
₹750, waived at ₹70k spend
Annual fee
Official: fee reversal on milestone spends, first-year reversal in the 4th billing statement for accounts in good standing. Paisabazaar specifies the exact threshold as Rs 70,000 annual spend (aggregator-sourced, not independently confirmed officially).
3.5%
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: 21–65
Salaried age 21-60; self-employed age 24-65. Minimum net annual income Rs 4.8 lakh.
Sources disagree: Official page states Rs 750 joining + Rs 750 annual fee; Paisabazaar states Nil joining fee, Rs 750 annual only. Official page treated as authoritative per sourcing rules, but the conflict should be verified directly.
Key features
- 5 pts/₹100 on online and dining spends
- 500 welcome points
Reward details
1X (base) points on all other categories
- 5X points on Dining and online purchases — 1,000 points/month
- up to 10X extra rewards on Hotel bookings via BOBCARD SmartDeal
- 4X extra on Flight bookings via BOBCARD SmartDeal
Welcome bonus: 500 points on Rs 5,000 spend within 60 days
Redemption
Points redeemable as cashback.
Ratio: 1 point = Rs 0.20
Excluded from rewards: fuel, agriculture, telecom, education, hospital, insurance, fast food
- Fuel surcharge waiver 1%, up to Rs 250/month.
- Accidental death cover (aggregator-sourced): Rs 15 lakh air travel, Rs 5 lakh non-air.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low annual fee with good reward benefits. — Paisabazaar (3.0/5 rating)
Complaints
- Low reward redemption value; absence of lifestyle perks beyond the core rewards program. — Paisabazaar
Sources
- Official — fees, eligibility
- Aggregator — fees, eligibility, forex, lounge, rewards, sentiment