Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0
Interest rate3.75% per month (45% p.a.)
Late paymentStandard BOBCARD late payment slab; refer MITC
Forex markupNil – Zero forex markup
Cash advance2.5% of amount (min INR 500) + GST
Eligibility
Min income (salaried)INR 15,000 - INR 25,000 per month
Credit score700
Age range21–60
Rewards & cashback
Cashback %1% back as 24K digital gold on all transactions; up to 5% on Uni Store; 7% on flights; 10% on hotels via Uni Store
Lifestyle
Fuel surchargeYes – 1% waiver up to INR 500 on transactions up to INR 7,500
Credit limit & EMI
Default limitINR 50000
Max limitINR 300000
EMI conversionYes
Balance transferYes
Insurance & protection
Purchase protectionYes — purchase protection on eligible transactions
Lost card liabilityYes — zero liability on fraud reported within 7 days of card loss
Digital & security
ContactlessYes
Virtual cardYes
Card controlsBlock/Unblock Card; Enable/Disable International; Set Spend Limits; EMI Conversion
Fraud protectionReal-time SMS transaction alerts; OTP-based online authentication; 3D Secure; Tokenisation
Zero liabilityZero liability on fraudulent transactions reported within 7 days; limited liability between 4-7 days
WhatsApp supportYes