BOBCARD Add-On Credit Cards

BOBCARD is among the most popular credit card issuers in the country as it offers a wide range of cards in different categories. BOBCARD Credit Cards have become the choice of millions of people in the country, but some individuals find it difficult to get approved for a BOBCARD Credit Card due to a lack of credit history. Other than this, having no income source is also a reason why you might not be getting a credit card. In such a situation, getting an add-on credit card from BOBCARD seems to be the option. If you don’t know what an add-on or supplementary card is, it is a secondary credit card issued under a primary credit card on the basis of the primary cardholder’s income and credit score.

The add-on credit card facility is provided by almost all credit card issuers, including the BOBCARD. One can easily start their credit journey with a supplementary credit card and build their credit score from scratch. However, you should also be aware that most of the responsibility for adding a card is on the primary cardholder, and the usage of an add-on card can also affect the credit score of the primary cardholder. If any of your relatives have a BOBCARD credit card and you want to get an add-on card for their account, you should definitely go for it. To know more about BOBCARD Add-On Credit Cards and all the necessary information related to them, continue reading:

Features of BOBCARD Add-On Credit Cards

Supplementary credit cards might not have as many benefits as primary credit cards, but you do get some decent privileges such as reward points, travel benefits, and many more. The following are some of the general advantages of BOBCARD add-on Credit Cards:

• You can get approved for a supplementary credit card even without a credit score, as it is issued on the basis of the primary cardholder’s credit history.
• You don’t need any income source to get approved for a BOBCARD add-on Credit Card, so you can even start your credit journey as a student.
• The add-on credit cardholders also earn reward points for their spending, and the reward rate is the same as that of the primary cardholders.
• You can avail of several additional benefits with the add-on credit cards as some of these cards even offer complimentary lounge access, exciting discounts across different categories, and many such additional privileges.
• The supplementary cardholders don’t need to worry about the bill payments as the bill payments need to be done by the primary cardholders only.

Fees and Charges of BOBCARD Add-on Credit Cards

Some of the important fees and charges associated with the BOBCARD add-on credit cards are mentioned below in the table:

Charges	Amount
Annual Fee	Nil (maximum up to 3 add-on cards can be issued under a primary cardholder’s account)
Interest Rate	3.25% per month
Forex Markup Charges	3.5% of the transaction amount
Cash Advance Fees	2.5% of the withdrawn amount subject to a minimum of Rs. 300 (at domestic ATMs)3% of the withdrawn amount or a minimum of Rs. 300 (at international ATMs)
Cash Advance Limit	varies from card to card

Eligibility Criteria for BOBCARD Add-on Credit Cards

You need to fulfill certain basic eligibility requirements in order to get approved for the BOBCARD add-on credit cards. These basic criteria are as follows:

• Your age should be a minimum of 18 years to apply for an add-on credit card.
• You must be an Indian resident.
• You must have a valid relationship with the primary cardholder (parent, child, sibling, or spouse).

Documents Required

The documents required to apply for the BOBCARD supplementary Credit Cards are mentioned below. Make sure to carry these documents along with you while applying for a BOBCARD add-on credit card:

• Identity Proof: Aadhar Card, PAN Card, Passport, or any other valid photo ID proof.
• Passport-sized photograph.
• Address proof: such as the latest utility bills, Aadhar Card, Ration Card, rent agreement, etc.

How To Apply for BOBCARD Add-On Credit Cards?

Applying for BOBCARD Add-on credit cards is not at all a difficult task as you can do it online as well as offline at your convenience. To apply online, you can use the official website of BOBCARD or contact BOBCARD Credit Card customer care and ask them to help you with your add-on credit card application. They will ask you for a few details and definitely help you with them. Make sure to keep all the necessary documents handy. To apply for an add-on credit card offline, visit your nearest BOBCARD branch with all the required documents and ask the bank officials to provide you with the add-on credit card application form. Fill out all the details carefully and submit the form.

BOBCARD Add-On Credit Cards PIN Generation

Once you get approved for a BOBCARD add-on credit card and you receive it, the first thing you will have to do is to set the PIN of your credit card. However, it is not at all a difficult task as there are many ways to set the PIN for a credit card. You can do it using any of the methods mentioned below:

• Contact BOBCARD Credit Card customer care and request them to assist you with your credit card PIN generation. They will either get it done on the call itself or will guide you on the steps to set the PIN.
• Another easiest way to generate your credit card PIN is to do it through a BOBCARD ATM nearest to you. Just visit your nearest ATM, insert your credit card into it, and find an option to set your credit card PIN from the main menu. Follow the instructions given on the screen and your card’s PIN will be set in a few minutes.

Top BOBCARD Credit Cards Offering Add-On Card Facility

Some of the top BOBCARD Credit Cards offering add-on card facilities are mentioned below in the table, along with their key features and fee structures.

Credit Card	Fee Structure	Rewards Structure
BOBCARD Eterna Credit Card	Interest rate: 3.25% per month Forex Markup Fee: 2% of the transaction amount Cash Advance Fee: 2.5% of the withdrawn amount or a minimum Rs. 300	– 3 RPs on every spend of Rs. 100. – 5x Rewards on online shopping, travel, movie, and dining.
BOBCARD Select Credit Card	Interest rate: 3.25% per month Forex Markup Fee: 3.5% of the transaction amount Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 300	– 1 Reward Point per retail spend of Rs. 100. – 5 RPs on dining, utility bills, and online purchases.
BOBCARD Premier Credit Card	Interest rate: 3.25% per month Forex Markup Fee: 3.5% of the transaction amount Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 300	– 2 RPs on every Rs. 100 spent. – 10 RPs on dining, international purchases, and travel spends.
IRCTC BOBCARD RuPay Credit Card	Interest rate: 3.49% per month Forex Markup Fee: 3.5% of the transaction amount Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 300	– 2 RPs on every Rs. 100 spent. – 2x Rewards on groceries, and departmental stores.
HPCL BOBCARD Energie Credit Card	Interest rate: 3.49% per month Forex Markup Fee: 3.5% of the transaction amount Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 300	– 2 RPs on eerie Rs. 150 spent. – 5x Rewards on groceries and departmental stores. – 12x Rewards on HPCL fuel purchases.
BOBCARD Easy Credit Card	Interest rate: 3.25% per month Forex Markup Fee: 3.5% of the transaction amount Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 300 and 3% at international ATMs	– 1 RP on every retail spend of Rs. 100. – 5x Reward Points on selected categories.
Snapdeal BOBCARD Credit Card	Interest rate: 3.25% per month Forex Markup Fee: 3.5% of the transaction amount Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 300 and 3% at international ATMs	– 5% cashback on Snapdeal purchases, – 10 RPs on every Rs. 100 spent on groceries and departmental stores – 4 RPs on every Rs. 100 spent elsewhere.
BOBCARD Varunah Credit Card	Interest rate: 3.25% per month Forex Markup Fee: 2% to 3.5% Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 300 and 3% at international ATMs	– Up to 15x Reward Points with the Varunah Premium Card – Up to 10x RPs with the Varunah Plus Card. – Up to 5x RPs with the Varunah Card.
BOBCARD Swavlamban Credit Card	Interest rate: 3.49% per month Forex Markup Fee: 3.5% of the transaction amount Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 500 and 3% at international ATMs	– Spend up to 105% of your credit limit – 4 Reward Points on every spend of Rs. 100.

Bottom Line

BOBCARD add-on credit cards are one of the best options for starting your credit journey. Generally, it becomes difficult to get approved for a credit card when you don’t have a credit score. But, the major problem here is how one can build a credit score without a credit card? This is where add-on cards seem to be of great use. You can avail yourself of all the features of a credit card even without having a credit score or proof of income. It also helps you in getting approved for primary cards in the future as you can build your credit score using a supplementary credit card.