Credit Cards

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  •  5X i.e. 10 Reward Points* for every Rs. 100 spent on Travel, Dining and Abroad (International spends)
  •  2 Reward Points for every Rs. 100 spent on other categories
     1 Reward Point for every Rs. 100 spent on Select MCCs*

  •  1 Complimentary Airport Lounge Visit every calendar quarter
  •  Fuel Surcharge Waiver**
  •  Zero annual fees basis card usage*
  •  Pay safely with Contactless Cards. Know More.

Key Features

*5X Rewards are capped at 2,000 Reward Points on the mentioned categories per Statement Cycle. Further spends in that Statement Cycle on these categories will earn Reward Points at the regular earn rate. Refer reward points important terms and conditions on MITC Section of the website. **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


Fee Type Fee Reversal/Waiver criteria*
First year Fee
₹ 1000
Spend Rs. 10,000 on your card within first 60 days of card setup date for First year fee reversal. Fee reversal will reflect in the 4th bill statement from the card issuance month, provided all due payments are made.
Annual Fee
₹ 1000
Spend Rs. 1,20,000 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

  • For crediting 5X Reward Points on eligible transactions, the Credit Card issuer (BOB Financial in this case) relies on the correct International/online flag or 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:
    • International - International transaction flag provided by Merchant Acquirer
    • Dining - 5812*.
    • Travel - 4722
  • 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,16th or 18th of the month as per BFSL's discretion. The cardholder has a one-time option to change the existing billing cycle as available. Cardholder may write to crm@bobfinancial.com for a change in the billing cycle. 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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