All Benefits
- 5X on online spends online transaction flag and dining capped at 1,000 Reward Points per statement cycle across both
- BOBCARD SmartDeal pays 4 Reward Points per ₹100 on flights and 10 Reward Points per ₹100 on hotels
Fees
Joining Fee
500 Reward Points on spends of ₹5,000 or more within 60 days of card issuance
₹885
₹750 + GST
Annual Fee
Annual fee waived on spending ₹70 thousand lakhs in the preceding card anniversary year
₹885
₹750 + GST
Eligibility
Age
25-55 years
Salary
₹40K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup
3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)
Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal
2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption
No fee is charged when redeeming reward points on this card
Not Applicable
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment
A surcharge fee of 1.00% applies on rental transactions made using the credit card
1%
Cheque Payment
A fee of 2.00% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment
A fee of ₹250 is levied for every cash payment made towards the credit card outstanding
₹250
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
An additional ₹100 applies if the Minimum Amount Due is not paid for two consecutive billing cycles
Reward Exclusions
Terms & Conditions
- The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
- A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
Full charges and terms: Bank MITC / Terms