• 5X i.e. 5 Reward Points for every ₹ 100 spent on Grocery, Departmental Stores & Movies (max. 1000 reward points per month)
  •  1 Reward Point for every ₹ 100 spent on other categories
  •  Fuel Surcharge Waiver**
  •  No Joining Fee. Zero Annual Fees basis card usage*
  •  Complimentary Insurance Cover
  •  Pay safely with Contactless Cards. Know More.

Key Features

*Please note that 5X Rewards are capped at 1000 Reward Points on the mentioned categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate.

** Please Note that the GST component is not reversed. The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank providing the terminal to the merchant. The value of fuel transaction on charge slip will differ from the credit card statement since the fuel surcharge and GST on the same are levied by the acquiring bank after the transaction.

*** The arrangements between BOB Financial and its Cobrand partners may involve sharing of revenue between BOB Financial and the respective Cobrand partner as per agreed terms between both the parties.

Other Benefits


Fee Type Fee Reversal/Waiver Criteria
First Year Fee NIL NA
Annual Fee ₹ 250 + taxes Spend ₹ 25,000 on your card in a year for fee waiver

*Please note - Annual fee waiver is applicable only to non-delinquent credit cardholders.

Disclosure-Revenue sharing between BFSL and Co-brand Partners
The arrangements between BFSL and cobrand partners may involve sharing of revenue between BFSL and the respective cobrand partner, for the cobranded credit cards issued as per the arrangement. Revenue sharing may typically be across joining & annual/renewal fee and spends using the cobranded credit card.


*Exclusively for Baroda Rajasthan Kshetriya Gramin Bank customers

5X Rewards Terms & Condition

  • For crediting 5X Reward Points on eligible transactions, the Credit Card issuer (BOB Financial in this case) relies on the correct Merchant Category Code (MCC) identifier provided by the merchant acquirer (provider of the card acceptance service to the merchant). These flags/identifiers are as per rules laid out by the card networks (Visa, Mastercard, RuPay etc.). If the merchant acquirer does not send the flag/identifier or sends an incorrect flag/identifier, BOB Financial will not be able to identify such transactions as eligible transaction for 5X reward points benefit, resulting in awarding of only regular Reward Points (and not 5X) on such transactions.
  • The sub categories and their respective MCCs for spend categories eligible for 5X Reward points include the following:
    • Grocery: 5411
    • Departmental store: 5311
    • Movies: 7832
  • The category of purchase will be decided on the basis of the Merchant Category Code (MCC) for the merchant establishment where the purchase is made. BOB Financial reserves the sole right to decide on whether a purchase meets the eligibility criteria as listed above.
  • BOB Financial is not liable for any disputes that arise due to differences in merchant category code mapping maintained by acquiring banks. Cardholder is requested to validate Merchant Category Code (MCC) from the merchant before making swipe on his card. Only the above listed MCCs shall entitle the cardholder for Accelerated Reward Points on his card. .
  • Posting of additional Reward points is an automated process and the same will reflect in the next monthly statement.
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  • Important Information - BoB Credit Cards are currently being issued for the billing cycles of 1st, 7th, 16th, 18th or 25th of every month, as per BOBCARD Limited discretion. The cardholder has a one-time option to change the existing billing cycle as available. Cardholder may write to crm@bobfinancial.com or contact us at our Toll Free Nos. 1800 2665 100 & 1800 2667 100 for a change in the billing cycle. By applying for a credit card, I authorize BOBCARD & its representatives to call me or SMS me with reference to my request. This consent will override any regristration for DNC / NDNC. I also understand providing credit card is at the sole discretion of the Company.
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