Fees
Annual feeINR 2,499 + GST
Joining feeINR 2,499 + GST (waived on INR 25,000 spend in first 60 days; Lifetime Free (LTF) offer till Mar 2026)
Renewal feeINR 2,499 + GST
Fee waiverAnnual spend of INR 2.5 lakh in previous year
Spend waiverSpend INR 25,000 in first 60 days (Lifetime Free (LTF) offer)
Interest rate3.25% per month (39% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup2%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 1 lakh/month (INR 12 lakh/year)
Min income (self-emp.)INR 12 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 15 pts on online/travel/dining/intl.; extra 12 pts on flights & 30 pts on hotels via BOBCARD SmartDeal; cap 5,000 pts/cycle
Cashback %3.75%
Cashback cap5,000 bonus pts/statement cycle on 5X categories; 20,000 pts on INR 5L annual spend
Redemption optionsStatement Credit, Cashback (direct)
Points expiry2 years
Travel & lounge
Domestic loungeUnlimited domestic (primary + add-on) on INR 40,000 prior-quarter spend; threshold rises to INR 75,000 WEF 15-Jul-2026
International lounge0 visits (Priority Pass not included)
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offers10% - 15%
ConciergeYes
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersYes
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 5 - INR 10 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (Near-Field Communication (NFC)), Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization (RBI Mandated), OTP for Online Transactions, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes