Credit Cards

  •  5X i.e. 5 Reward Points for every Rs. 100 spent on Grocery, Departmental stores, Movie spends
  •  1 reward point for every Rs. 100 spent on other categories
  •  Fuel Surcharge Waiver**
  •  Zero annual fees basis card usage*
  •  Pay safely with Contactless Cards. Know More.

Key Features

*Please note that 5X Rewards are capped at 1,000 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 **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.

Other Benefits

  • Free Add-on card

    Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

  • Zero liability on lost card

    Report loss of card immediately to ensure zero liability on any fraudulent transactions


Fee Type Fee Reversal/Waiver criteria*
First year Fee
Rs. 500#
Spend 6,000 on your card within 60 days for fee reversal Fee reversal will reflect in the 4th bill statement from the card issuance month, provided all due payments are made
Annual Fee
Rs. 500
Spend Rs. 35,000 on your card in a year for fee waiver

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

5X Rewards Terms & Condition

  • By applying for a credit card, I authorize BoB Financial & 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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