BOBCARD Credit Card
Issued by BOBCARD Limited
BOBCARD Limited issues a range of credit cards, including Easy, Select, Premier, Eterna, Tiara, Cashback, FD-backed and co-branded variants. Fees and benefits differ by variant.
Joining fee
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Annual fee
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Fee waiver
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Finance charge
45% p.a.
As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.
Check eligibility & apply →Key benefits
- Joining fees range from Nil (FD-backed Easy/Select/Premier and several co-branded cards) to ₹2,499 (Eterna, Tiara), with spend-based waivers on many variants
- Cashback card: monthly fee of ₹49 or annual fee of ₹499
- Finance charges of 3.75% per month (45% per annum) on all consumer credit cards
- Interest-free period of 20 to 50 days when there is no previous outstanding
- 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000 on most cards, with a cap per statement
- Cash withdrawal charge of 2.5% or ₹500, whichever is higher
Best for
Cards with spend-based fee waivers
Pros
- Spend-based joining and annual fee waivers on many variants
- Fee-free FD-backed cards
- Wide variant range
Cons
- Finance charge of 45% per annum if a balance is carried
- Premium variants carry fees of ₹2,499 if spend criteria are not met
- Fees vary by variant; check the MITC for your card
Frequently asked questions
What is the BOBCARD interest rate?
BOBCARD's MITC lists finance charges of 3.75% per month (45% per annum) on all credit cards, and 1.5% per month (18% per annum) on the Micro Enterprise card.
How long is the interest-free period?
20 to 50 days, provided there is no previous outstanding balance.
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