Top BOBCARD Credit Cards
As a prominent credit card issuer in India, BOBCARD offers a variety of credit cards across different categories, including travel and rewards. For those considering a credit card, navigating multiple options and their unique features, like rewards and fees, can be overwhelming. To simplify the process, go through our comprehensive guide to the top credit cards by BOBCARD.
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
15 Reward Points/₹100 on Online, Travel, Movie, and Dining Spends (~3.75%). 3 Reward Points/₹100 on Other Eligible Spends (~0.75%)
Welcome Benefits
10,000 Bonus Reward Points
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForTravel | Dining
- Rewards TypeReward Points
Rewards Rate
10 Reward Points/₹100 Spent on Dining, Travel, and International Transactions. All Other Eligible Spends Shall Get 2 Reward Points/₹100
Welcome Benefits
500 Reward Points on Spends of ₹5,000 or More in the First 60 Days of Card Issuance
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForShopping
- Rewards TypeCashback
Rewards Rate
5% Cashback on Online Spending Up to ₹1,500/Month and Unlimited 1% Cashback on Everything Else
Welcome Benefits
N/A
- Joining Fee₹2,499 + GST
- Annual Fee₹2,499 + GST
- Best Suited ForTravel | Shopping | Food
- Rewards TypeReward Points
Rewards Rate
15 RPs/₹100 Spent on Travel, Dining, and International Spends. 3 RPs/₹100 on All Other Eligible Spends
Welcome Benefits
Free Swiggy One (3 Months), Amazon Prime/Disney Hotstar, and Gaana Plus Memberships
- Joining FeeLifetime Free (Till 30th June 2026)
- Annual FeeLifetime Free (Till 30th June 2026)
- Best Suited ForShopping | Food
- Rewards TypeReward Points
Rewards Rate
5X reward points on every Rs. 100 spent on movies, groceries, and departmental stores. 1 reward point on every Rs. 100 spent on other categories.
Welcome Benefits
500 Reward Points on Spends of ₹5,000 Within 60 Days of Card Issuance
- Joining FeeRs. 499 + GST
- Annual FeeRs. 499 + GST
- Best Suited ForFuel | Shopping
- Rewards TypeReward Points
Rewards Rate
Get 24 Reward Points per Rs. 150 spent on fuel transactions at all the HPCL fuel stations. 10 Reward Points per Rs. 150 spent on groceries and departmental spends. 2 Reward Points per Rs. 150 spent on other categories.
Welcome Benefits
500 Bonus Reward Points On Spending ₹5,000 or More Within 60 Days of Card Issuance
- Joining Fee₹2,500 + GST
- Annual Fee₹2,500 + GST
- Best Suited ForTravel | International Spends
- Rewards TypeAir Miles
Rewards Rate
3 Miles/₹100 on Etihad Airways and 1 Mile/₹100 on All Other Domestic and Cross-Border Spends
Welcome Benefits
5,000 + 2,500 (LIMITED TIME OFFER) Etihad Guest Bonus Miles on Spending ₹50,000 Within 60 Days and Silver Tier Status on First Etihad Transaction Within 6 Months
- Joining Fee₹5,000 + GST
- Annual Fee₹5,000 + GST
- Best Suited ForTravel | International Spends
- Rewards TypeAir Miles
Rewards Rate
6 Miles/₹100 on Etihad Airways and 2 Miles/₹100 on All Other Domestic and Cross-Border Spends
Welcome Benefits
10,000 + 5,000 (LIMITED TIME OFFER) Etihad Guest Bonus Miles on Spending ₹50,000 Within 60 Days, Silver Tier Status on First Transaction, and Upgrade to Gold Tier After an Etihad Transaction Within 6 Months
- Joining Fee₹750 + GST
- Annual Fee₹750 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
5 RPs per ₹100 on Online & Dining Spends and 1 RP per ₹100 on Other Eligible Spends
Welcome Benefits
500 Reward Points on Spends of ₹5,000 or More Within 60 Days of Card Issuance
- Joining FeeRs. 500 + GST
- Annual FeeRs. 350 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets booked through IRCTC
Welcome Benefits
500 Bonus Reward Points on Spending ₹5,000 Within the First 60 Days of Card Issuance
- Joining Fee₹249 + GST
- Annual Fee₹249 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
5% cashback on Snapdeal, 10 RPs on every Rs. 100 spent on groceries, online spends & departmental stores, and 4 RPs on every Rs. 100 spent elsewhere.
Welcome Benefits
500 Bonus Reward Points on Spends of ₹5,000 or More
- Joining FeeNil
- Annual FeeNil
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.
Welcome Benefits
Get 6-Month Complimentary Fitpass Pro Membership
- Joining FeeNil (for Varunah Card),Rs. 1,499 (for Varunah Plus Card)Rs. 2,499 (for Varunah Premium Card)
- Annual FeeNil (for Varunah Card),Rs. 1,499 (for Varunah Plus Card)Rs. 2,499 (for Varunah Premium Card)
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
Up to 15x Reward Points with the Varunah Premium Card, Up to 10x Reward Points with the Varunah Plus Card, and up to 5x Rewards with the Varunah Card.
Welcome Benefits
Complimentary Amazon Prime membership for one year, as well as 500 bonus Reward Points with the Varunah Premium Card.
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 Reward Points on every retail spend of Rs. 100 and 5x Rewards on groceries and departmental store purchases.
Welcome Benefits
Complimentary Fit Pass Pro Membership and 500 Reward Points on Spends of ₹5,000 or More in the First 60 Days of Card Issuance
- Joining FeeNil
- Annual FeeNil
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Point on every spend of Rs. 100 and 5x Reward points on dining, utility bills, and online purchases.
Welcome Benefits
Complimentary Fit Pass Pro Membership for 6 Months and 500 Bonus Reward Points
- Joining FeeNil
- Annual FeeNil
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Point on every spend of Rs. 100 and 5x Rewards on utility bills, dining, and online purchases.
Welcome Benefits
Free Fit Pass Pro Membership for 6 Months and 500 Bonus Reward Points
- Joining Fee₹1 + GST
- Annual FeeNil
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
1 Reward Point on every Rs. 100 you spend and 5x Rewards on utility bills, dining spends, and online purchases.
Welcome Benefits
Get 6-Month Complimentary Fit Pass Pro Membership and 500 Bonus Reward Points.
BOBCARD Credit Cards Features and Benefits
Like all other major card issuers present in the country, BOBCARD also offers a lot of exciting features and benefits with its credit cards. Different cards may have different benefits, but the following are the general advantages that you will get to see with most of the cards offered by BOBCARD:
- Welcome Benefits – Welcome benefits are provided to the cardholders upon successful realization of the card membership fee. These benefits can be offered in the form of bonus reward points, vouchers, premium memberships of partner brands, accelerated cashback, and much more.
- Rewards/Cashback – Every time the cardholders make a transaction using their BOBCARD Credit card, they are rewarded with reward points or cashback. Some cards also offer accelerated cashback or points on transactions made in special categories and a lesser reward rate on other category spends. The reward points earned can be redeemed against a wide range of options available to the cardholder.
- Milestone Benefits – BOBCARD credit cardholders can enjoy the milestone benefits associated with the credit card upon achieving the target spends, which are pre-defined by the card issuer. Bonus reward points or cashback, gift vouchers, and many other benefits are offered as milestone benefits.
- Travel Benefits – Some of the cards issued by BOBCARD also offer great travel privileges, like complimentary access to airport lounges, discounted travel-related bookings, and many more.
- Movie & Dining Benefits – For the entertainment needs of cardholders, BOBCARD offers many benefits with its cards, including complimentary/discounted movie tickets, great discounts on dining bills, etc.
Apart from the benefits mentioned above, BOBCARD credit cards offer many other benefits, including a fuel surcharge waiver, waiver of the annual fee (based on spending), and much more.
About Popular BOBCARD Credit Cards
BOBCARD, the card-issuing company under Bank of Baroda, issues multiple beneficial credit cards, including co-branded and general credit cards. Out of all BOBCARD credit cards, the following are some of the most popular ones:
BOBCARD ETERNA Credit Card
The BOBCARD ETERNA Credit Card is designed to provide customers with exciting reward offers and lifestyle experiences. With benefits across several categories, including dining, travel, and movies, it provides you with 3 Reward Points/₹100 spent, plus extra Reward Points for travel, dining, and international transactions. Some of the best features of this card are:
- Reward points are redeemable for several categories, including cash back.
- You get a 6-month FitPass Pro membership as a welcome gift (including 2,500 premium gyms and fitness studios).
- 10,000 reward points on spending ₹50,000 within 60 days.
- Spend-based joining & renewal fee waiver
- Unlimited complimentary domestic airport lounge access.
- There is a low foreign-currency markup of only 2%.
- 1% fuel surcharge waiver on fuel transactions.
BOBCARD Premier Credit Card
The BOBCARD Premier Credit Card offers exclusive rewards & benefits across several categories. For every transaction of ₹100 done with this card, you get 2 Reward Points, and you can earn extra Reward Points by spending on dining, travel & international purchases. The following are the features of the BOBCARD Premier Credit Card:
- Redeem your Reward points against various categories, including cashback.
- Complimentary airport lounge access.
- 24*7 concierge service.
- 1% fuel surcharge waiver.
- Insurance covers in case of accidental death of the cardholder.
BOBCARD Easy Credit Card
The BOBCARD Easy Credit Card is a unique card that earns you cash back even when you are paying your card bills. The card provides you with reward points for all your spending, and you get extra reward points when spending on department stores, groceries, and movies. Along with this, the card has a number of benefits, some of which are as mentioned below:
- Redeem your Reward Points against cashback and various other products & categories.
- Spend-based joining/renewal fee waiver.
- 24*7 concierge service.
- You can convert your big purchases into EMI.
- A 1% waiver on the fuel surcharge.
BOBCARD Select Credit Card
The Select Credit Card is another BOBCARD card that offers exciting rewards and additional benefits. It earns you Reward points for all your spends and extra Reward Points for your spends on dining, utility bills, and online purchases. There are various other advantages of the card, some of which are mentioned below:
- Reward Points you earn are redeemable against cashback & various other categories.
- Spend-based joining/renewal fee waiver.
- 24*7 concierge services.
- Conversion of large purchases into EMI.
- A 1% fuel surcharge waiver.
BOBCARD Etihad Guest Premium Credit Card
The BOBCARD Etihad Guest Premium Credit Card is a travel-focused credit card designed for frequent flyers of Etihad Airways. With a joining and annual fee of ₹5,000 + GST, the card offers 6 Etihad Guest Miles per ₹100 spent on Etihad flights and 2 miles per ₹100 on other eligible spends. Cardholders also receive automatic Silver tier status and a fast-track upgrade to Gold tier after completing an eligible Etihad transaction. Additional benefits include 12 domestic and 8 international lounge visits per year, zero forex markup on international spends, and milestone-based bonus miles on high spending. Overall, this card is best suited for regular Etihad travellers who want to earn miles faster and enjoy airline-linked privileges.
HPCL BOBCARD ENERGIE Credit Card
BOBCARD has launched the HPCL BOBCARD ENERGIE Credit Card in partnership with Hindustan Petroleum Corporation Limited (HPCL). The card is targeted at those who spend a lot on fuel and want to save on their spending. With a nominal fee of ₹499, the Energie Credit Card offers a lot of exclusive benefits across various categories. The following are some of the great benefits:
- 500 bonus RPs as a welcome benefit.
- Get up to 24 reward points for every spend of ₹150
- Complimentary domestic lounge access.
- 25% discount on movie ticket bookings on District by Zomato.
- Get a 1% fuel surcharge waiver on every fuel transaction.
IRCTC BOBCARD RuPay Credit Card
IRCTC BOBCARD Credit Card is a card that BOBCARD launched in partnership with IRCTC. The card has a joining fee of ₹500 & an annual fee of ₹350. The card offers a very good reward rate on IRCTC railway ticket bookings. Other than this, the IRCTC BOBCARD Rupay Card has several other advantages as follows:
- 500 bonus Reward Points as a welcome benefit.
- Up to 40 Reward Points per ₹100 spent.
- 4 complimentary access to railway lounges.
- Cardholders also receive a 1% fuel surcharge waiver and a railway surcharge waiver.
BOBCARD Indian Army Yoddha Card
As suggested by the name, the Indian Army BOBCARD Yoddha Credit Card is exclusively for Indian Army personnel. It comes with a zero annual fee and is designed to deliver the best experience for targeted customers across categories. Some of its key features are as follows:
- Earn up to 10 Reward Points on every spend of ₹100 with this card.
- Get complimentary access to domestic airport lounges every year.
- Get complimentary golf games/lessons every year.
- Get a free Amazon Prime annual membership to achieve the spending milestone.
BOBCARD Varunah Credit Card
The Varunah Credit Card by BOBCARD, which is exclusively for Indian Navy Personnel, is issued in three variants: Varunah, Varunah Plus, and Varunah Premium. All three variants come with different fees and features. The Varunah Card is lifetime free, whereas the other two come with nominal annual fees. The features of this card are given below:
- Free yearly membership of Amazon Prime.
- Complimentary 6-month Fitpass Pro membership.
- 1,000 bonus Reward Points as a welcome benefit (with the Varunah Premium Card).
- Reward rate of up to 15 Reward Points on every spend of ₹100.
- Complimentary domestic airport lounge access every year.
- Spend-based waiver of the joining and annual fee.
BOBCARD ICAI Exclusive Credit Card
The BOBCARD ICAI Exclusive Credit Card is a lifetime, free card exclusively for active ICAI members. From rewards to travel and many other categories, this card provides you with several exciting benefits that are hardly expected from a zero-annual-fee card. Some of its key advantages are as follows:
- Earn bonus Rewards as welcome and milestone benefits.
- Complimentary 6-month Fit Pass Pro membership.
- Earn up to 5 RPs on every spend of ₹100.
- Complimentary domestic lounge access every quarter.
- Reduced foreign currency markup fee of 2% only.
- Personal accident cover worth ₹15 lakhs.
BOBCARD Reward Points Redemption
The Reward Points earned by you using your BOBCARD credit cards are redeemable at the rewards app against an array of categories like travel, movie, dining, hotel bookings, recharge, etc. Reward Points can also be redeemed for cashback, with 1 Reward Point equal to ₹0.25.
BOBCARD Credit Cards Eligibility Criteria
Every credit card issuer has eligibility criteria that applicants must meet when applying for a credit card. The criteria for BOBCARD Credit Cards depend on factors such as income, age, and credit score. The following are the basic requirements that one needs to take care of:
- The applicant must be between 21 and 65 years old.
- The applicant should have a stable source of income.
- The applicant should have a decent credit score.
Additionally, user-specific cards may have different criteria, which you can check on the individual card pages shown above.
Annual Fee
Different Credit Cards issued by BOBCARD have different annual fees, which are undoubtedly among the key factors applicants consider when choosing a suitable credit card. The higher the annual fee of a card, the better the features and benefits it offers. The table below will give you an idea about the annual charges of the best credit cards offered by BOBCARD:
| Credit Card |
Annual Fee |
| BOBCARD ETERNA |
Lifetime Free (Till June 2026) |
| BOBCARD Premier |
Lifetime Free (Till June 2026) |
| BOBCARD Cashback |
₹499 |
| BOBCARD Easy |
Lifetime Free (Till June 2026) |
| BOBCARD Select |
₹750 |
| HPCL BOBCARD ENERGIE |
₹499 |
| BOBCARD Etihad Guest |
₹2,500 |
| BOBCARD Etihad Guest Premium |
₹5,000 |
| IRCTC BOBCARD |
₹500 (Joining Fee)/₹350 (Annual Fee) |
| BOBCARD Varunah |
Nil (for Varunah Card), ₹1,499 (for Varunah Plus Card), and ₹2,499 (for Varunah Premium Card) |
| BOBCARD Indian Army Yoddha |
Lifetime Free |
| BOBCARD ICAI Exclusive |
Lifetime Free |
Other Fees & Charges
Apart from the annual charges, there are many other important charges (or fees) applicable to the BOBCARD Credit Cards and should be checked by everyone before applying for a card:
| Interest Charges |
3.75% Per Month for All BOBCARD Credit Cards Except Tiara and Eterna |
| Cash Advance Fee |
2.5% or ₹500 (Whichever is Higher) |
| Forex Markup Fee |
0% for BOBCARD Etihad Guest Premium and Scapia BOBCARD Credit Card, 2% for the Eterna Card, and 3.5% for All Other Cards |
How To Apply for BOBCARD Credit Cards?
The applicants who wish to apply for BOBCARD credit cards can do so with the credit card comparison platform – Card Insider. On our website, you can compare the features of different cards and apply for the one most suited for you.
- Simply click on the Apply Now button next to the card of your choice.
- You will be redirected to an application form. Fill in all the required details carefully and check them before proceeding.
- Complete all the formalities according to the website’s instructions.
- Submit your application.
How To Activate BOBCARD Credit Card?
After receiving your new credit card from BOBCARD, you first need to activate it. There are online as well as offline ways to activate your credit card, some of the easiest ones being as follows:
- You can activate your credit card through internet banking. Simply log in to your net banking account and look for an activation/PIN generation option from the menu.
- You can also activate the card through an ATM. Visit your nearest BOBCARD ATM, insert your credit card into it, and select the option to activate your card from the main menu.
- You can also reach out to your card’s customer care and request that they assist you in activating your credit card.
BOBCARD Credit Card Customer Care
BOBCARD Limited values its customers and therefore offers 24/7 help & support. You can contact 1800-103-1006 or 1800-225-100 for the following services:
- To block your card
- Balance inquiry
- PIN generation
- To know your card status
2 comments
Abhishek Chatterjee
BOB Tiara RuPay Credit Card offer more benefits like –
12 months FREE Amazon prime membership/Disney Hotstar, Gaana+ membership (every year),
Rs2000 Flipkart gv (Rs500 per quarter),
Rs2000 Myntra gv (Rs500 per quarter),
Rs1000 Bigbasket gv (Rs250 per quarter),
Rs2000 Nykaa gv (Rs500 per quarter),
Rs6000 Lakme Salon discount voucher (Rs1500 per quarter),
Rs1000 Bookmyshow movie ticket (Rs250 per quarter),
FREE Women-centric health & insurance pack,
Rs15000 Fitpass membership,
3 months free Swiggy One membership per year.
Kartik Kanwar
Yea, those are RuPay centric benefits.