Updated On: 5 January, 2026Published by:Pranjal Kimta
BOBCARD is a well-known credit card issuer in India known for being reliable and focusing on customer service. It offers a number of credit cards that are linked to the RuPay network. RuPay is an Indian card payment system that guarantees secure, fast, and easy transactions. By working with RuPay, BOBCARD makes credit cards easy to access and suitable for many people, helping them smoothly into their everyday finances.
RuPay credit cards help people use cashless payments throughout the country. They provide numerous benefits, including lower transaction fees and upgraded security features. These cards enable users to enjoy exclusive offers and rewards. With BOBCARD’s range of RuPay credit cards, customers can enjoy these perks without worrying about security and fraud.
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
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
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
Compare Features of BOBCARD RuPay Credit Cards
Category
BOBCARD Tiara Credit Card
BOBCARD Premier RuPay Credit Card
BOBCARD ETERNA RuPay Credit Card
Joining Fee
₹2,499 + GST
LTF (Limited Time)
₹2,499 + GST
Best Suited For
Travel/ Shopping/ Food
Travel/ Dining
Travel / Shopping
Reward Rate
15 RPs for every ₹100 spent on travel, dining, etc
3 RPs for every ₹100 spent on eligible spends
10 RPs for every ₹100 spent on travel, dining, etc
2 RPs for every ₹100 spent on eligible spends
15 RPs for every ₹100 spent on online shopping, travel, etc
Welcome Benefits
Free membership of Swiggy, Amazon Prime/ Hotstar, Gaana Plus, FitPass Pro
500 RPs on Spends of ₹5,000 or More
10,000 bonus RPs
6-month FitPass Pro membership
Milestone Benefits
N/A
N/A
20,000 bonus RPs on yearly expenditure of ₹5 lakh
Movies/ Entertainment
Up to ₹250 off on movie ticket bookings with BookMyShow
Free Swiggy One membership
N/A
BOGO offer on movie tickets
5X RPs on movie and dining
250+ deals on dining with Mastercard
Travel Benefit
On spending ₹40,000 in the previous quarter, users get unlimited domestic airport lounge access
1 complimentary domestic airport lounge access every quarter upon spending ₹20,000 in the last quarter
Unlimited domestic airport lounge visits on spending ₹40,000 in the previous quarter
Information About BOBCARD RuPay Credit Cards
BOBCARD Premier RuPay Credit Card
The BOBCARD Premier RuPay Credit Card is designed for frequent travelers and diners. Currently available with a lifetime-free offer, this card allows you to earn 10 Reward Points for every ₹100 spent on dining, travel, and international transactions, while all other eligible purchases earn 2 Reward Points. Users also receive complimentary access to domestic airport lounges each quarter, provided they spent ₹20,000 in the previous quarter. Other features include a fuel surcharge waiver and personal accident insurance. It’s easy to link this card with popular UPI apps like Google Pay, PhonePe, etc, making transactions quick and hassle-free.
BOBCARD Tiara Credit Card
The BOBCARD Tiara Credit Card is a women-centric card that comes with a joining fee of ₹2,499 plus taxes. This card provides 5X Reward Points on dining, travel, and international spending. It has a low Forex charge of 2%, which is quite commendable if compared to other cards. Cardholders enjoy complimentary memberships to services like Amazon Prime, JioHotstar, and Swiggy for three months as an introductory perk. There’s also unlimited access to domestic airport lounges if you spend ₹40,000 in the previous quarter. Women can even waive the joining fee by spending ₹25,000 within the first two months, making it more beneficial.
BOBCARD ETERNA RuPay Credit Card
The BOBCARD Eterna Rupay Credit Card is focused on travel, shopping, and dining enthusiasts. With a joining fee of ₹2,499 along with taxes, cardholders enjoy features like unlimited domestic lounge access, a complimentary 6-month FitPass Pro membership, and an impressive rewards program. You earn 15 Reward Points for every ₹100 spent on online shopping, travel, and dining, which can be redeemed for cashback or other rewards. The card also offers a low foreign currency markup fee of 2% for international transactions and insurance coverage for accidental death. Users can waive the joining fee of this card by spending ₹25,000 in the first 60 days.
BOBCARD Easy RuPay Credit Card
The BOBCARD Easy Credit Card is the perfect choice for those who are new to credit cards, as it has no annual fees. It helps you earn rewards on your everyday spending, giving you 5 Reward Points for every ₹100 spent on movies, groceries, and departmental stores, and 1 Reward Point on other eligible purchases. You can easily link the card to your UPI app for quick payments. This card offers zero liability protection if your card is lost and also helps you convert purchases over ₹2,500 into easy EMIs.
IRCTC RuPay BOBCARD Credit Card
The IRCTC RuPay BOBCARD Credit Card is a specially designed card for those who frequently travel by Indian Railways. It has a joining fee of ₹500 and offers various rewards and benefits to cardholders. You can earn up to 40 Reward Points for every ₹100 spent on railway ticket bookings through the IRCTC website or app and 4 Reward Points for every ₹100 spent on groceries. You receive 500 bonus Reward Points as a welcome benefit if you spend ₹5,000 within the first 60 days of getting the card. Cardholders also enjoy four complimentary lounge accesses at railway stations each year and a 1% waiver on fuel surcharges.
HPCL ENERGIE RuPay BOBCARD Credit Card
The HPCL ENERGIE BOBCARD Credit Card is designed for fuel users who want to earn rewards for their spending. With a joining and renewal fee of ₹499, this card offers 24 Reward Points for every ₹150 spent on fuel at HPCL stations, making it a great choice for those who frequently make fuel transactions. Cardholders receive 500 bonus Reward Points when they spend ₹5,000 within the first 60 days. Users enjoy a 25% discount on movie tickets and one complimentary access to domestic airport lounges each quarter if they spend ₹20,000 in the previous quarter. There’s a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, and the renewal fee can be waived if annual spending reaches ₹50,000.
SNAPDEAL BOBCARD Credit Card
The Snapdeal BOBCARD Credit Card is perfect for online shoppers, especially those who frequently use Snapdeal. With a low joining and annual fee of just ₹249, it offers a 5% cashback on purchases made on Snapdeal. Users earn 10 Reward Points for every ₹100 spent on groceries and online shopping and 4 points for every ₹100 spent elsewhere. New cardholders receive a welcome gift voucher worth up to ₹500 after their first purchase. The card also includes benefits like a 1% fuel surcharge waiver and zero liability protection for unauthorized transactions.
Indian Navy Varunah BOBCARD Credit Card
The Indian Navy Varunah BOBCARD Credit Card is a special credit card designed for Indian Navy personnel, offering three variants: Varunah Premium, Varunah Plus, and the basic Varunah Card. Each variant provides unique benefits, with the Premium card providing the most perks, such as unlimited airport lounge access, welcome perks like Amazon Prime and FitPass memberships, and a chance to earn up to 15 Reward Points on every ₹100 spent. The card also features insurance covers, including air accident coverage worth ₹1 Crore. Cardholders can enjoy waivers on joining and annual fees based on their spending.
Indian Army YODDHA BOBCARD Credit Card
The Indian Army Yoddha Credit Card is mainly designed for Indian Army personnel, providing them with a lifetime-free credit card with great benefits. Cardholders earn rewards for their purchases, getting up to 10 points for every ₹100 spent at grocery stores or departmental shops and 2 points on other spending. They enjoy perks like 8 free access visits to domestic airport lounges each year, provided they spend ₹20,000 in the previous quarter. There’s a personal accident insurance cover worth ₹20 lakhs and a fuel surcharge waiver. New cardholders receive 500 bonus rewards points after spending ₹5,000 in the first 60 days, along with a complimentary 6-month Fitpass Pro membership.
BOBCARD Sentinel Credit Card
The BOBCARD Sentinel Credit Card is designed for Assam Rifles personnel, and it has no annual fee. Cardholders can earn 2 Reward Points for every ₹100 spent and a special rate of 10 Reward Points for groceries and department store purchases. New users receive a complimentary FitPass Pro membership and 500 bonus Reward Points when they spend ₹5,000 or more within the first 60 days. The card also includes travel perks, such as access to domestic airport lounges and free golf rounds each year. With insurance coverage of ₹20 lakhs for accidental death and a 1% fuel surcharge waiver, the Sentinel Credit Card provides great value for its holders.
ICAI Exclusive BOBCARD Credit Card
The ICAI Exclusive BOBCARD Credit Card is a specially designed card for members of the Institute of Chartered Accountants of India (ICAI). It has no joining or renewal fees, making it a cost-effective choice. New cardholders enjoy a 6-month complimentary FitPass Pro membership and 500 bonus Reward Points after spending ₹5,000 within the first two months. The card rewards users with 1 Reward Point on every ₹100 spent and 5 points for dining, utility bills, and online purchases. Cardholders also enjoy perks like 12 complimentary domestic lounge accesses each year, insurance coverage of up to ₹15 lakhs for air accidents, and a fuel surcharge waiver.
Benefits of Having BOBCARD RuPay Credit Cards
Wide Acceptance
BOBCARD RuPay credit cards are accepted at numerous merchants across India, making tap-and-go transactions hassle-free.
Lower Transaction Fees
RuPay transactions usually have lower fees compared to international card providers, making it cost-effective for users.
Exclusive Rewards
Cardholders can enjoy attractive rewards, earning points on many spending categories, including travel, dining, and online shopping.
Milestone Benefits
Users can earn additional bonus Reward Points when they meet specific spending milestones.
UPI Payments
Cardholders can easily link their BOBCARD RuPay credit cards with UPI apps like Google Pay, Paytm, PhonePe, etc, and make quick transactions.
Eligibility Criteria of BOBCARD RuPay Credit Cards
Applicants should be at least 21 years old.
Applicants must be Indian citizens and residents.
A stable source of income is necessary. This can be through a salaried job or self-employment.
You need to provide valid identity proof (like Aadhaar or PAN card), income proof (salary slips or bank statements), and address proof.
A good credit score is important.
Conclusion
BOBCARD RuPay credit cards provide a safe and easy way to make payments in India. These cards focus on customer benefits and offer various rewards, lower fees, and strong security features. There is a card for different needs, whether you travel often, love shopping, or enjoy dining out. If you want travel benefits, the BOBCARD Premier RuPay Credit Card is a great option, providing impressive Reward Points and free lounge access. For women seeking special rewards and offers, the BOBCARD Tiara Credit Card is a good choice. One needs to choose a credit card that suits their spending habits and is beneficial for them.
FAQs:
How can I accumulate reward points?
You can accumulate reward points by using your BOBCARD RuPay Credit Card for various purchases, including shopping, dining, and travel.
What travel benefits do these credit cards offer?
Travel benefits include complimentary access to domestic airport lounges for eligible spending.
Is there any annual fee for these credit cards?
Some BOBCARD RuPay Credit Cards offer a lifetime-free option, meaning you won’t have to pay an annual fee, while others may have an annual fee after the first year.
How can I apply for a BOBCARD RuPay Credit Card?
You can apply for a BOBCARD RuPay Credit Card through the BOBCARD website, at partner banks, or in person at any designated BOBCARD branch. Make sure to check the eligibility criteria before applying.