BOBCARD Premier Credit Card Review
BoB travel + dining co-brand: 10 RP/100 on travel/dining/international, 35+ domestic lounges, 1,000 fee waivable at 1.2L. April 2026.
Who this is for
BOBCARD Premier is BoB's travel + dining-focused mid-tier card. Suits 15-25K/month spenders on travel, dining, international — where 10 RP per 100 kicks in. 35+ domestic lounges + 24/7 concierge add premium lifestyle at 1,000 fee.
Fees & welcome
| Head | Detail |
|---|---|
| Joining fee | 1,000 + GST |
| Annual fee (year 2+) | ₹1,000 + GST — waived on ₹1,20,000 anniversary-year spend (issuer-confirmed) |
| Joining fee waiver | Spend ₹10,000 in the first 60 days → joining fee reversed |
| Lifetime Free (current limited-period offer) | Issuer landing page advertises a “Limited Period Lifetime Free Card Offer” alongside the listed ₹1,000 fee — apply during the promo window to potentially get the card LTF outright (subject to BOBCARD’s issuance criteria; confirm in welcome kit / sanction letter). |
| Welcome | 500 bonus RP on 5,000 spend within 60 days |
| Forex markup | 3.50% |
| Interest rate | 3.25%/month (39% p.a.) |
Reward structure
- Travel, dining, international (5X): 10 RP per ₹100 = ~2.5% effective return at the standard ₹0.25 / RP cashback redemption value (the earlier “₹0.50/RP, ~5%” framing was inaccurate — BOBCARD redeems RP for cashback at 1 RP = ₹0.25, same as Eterna).
- Other categories: 2 RP per ₹100 = ~0.5% effective.
- Welcome: 500 bonus RP on 5K spend in 60 days
- RP redeemable against catalogue, travel, vouchers, cashback
Travel + lifestyle
- Complimentary domestic airport lounge access — 1 visit per calendar quarter (4 per year) at participating Indian lounges per the current issuer page. Refer to BOBCARD’s lounge list / eligibility criteria for the participating lounge network.
- 24/7 concierge assistance
- 1% fuel surcharge waiver on 400-5,000 (max 250/cycle)
- Complimentary accidental death cover
- EMI conversion for purchases >2,500 (6-48 month tenures)
Compared with alternatives
| Card | Fee | Travel rate | Lounges |
|---|---|---|---|
| BOBCARD Premier | 1,000 | 5% (travel/dining) | 35+ domestic |
| HDFC Regalia Gold | 2,500 | 1.33% flat | Unlimited domestic |
| BOBCARD Eterna | 2,499 (LTF 12L+) | 3.75% online/travel | Unlimited @ 40K/Q |
| HSBC Live+ | 999 | 10% dining+grocery+food | 4/yr |
Should you apply?
Apply if: Spend 15-25K/month on travel/dining/international, use domestic lounges monthly, value 24/7 concierge. 1.2L annual achievable for waiver.
Skip if: Spend mostly general (2% is ordinary), or BoB 12L+ income (Eterna gives LTF + richer benefits).
The bottom line
BOBCARD Premier is a solid travel-focused mid-tier card with 10 RP/100 accelerator delivering ~5% on travel/dining, backed by 35+ domestic lounges and 24/7 concierge. Strong mid-tier option for BoB customers not at Eterna's 12L threshold.
Verified against BoB's official BOBCARD Premier page and April 2026 listings. Waiver needs both 5K in 60 days AND 1.2L annual spend.