BOBCARD Premier Credit Card 2025
Earn ₹15,000 to ₹25,000+ value each year with 5X rewards on travel & dining!
"If you travel frequently, eat out often, or spend time abroad, the BOBCARD Premier Credit Card will make an excellent addition to your finances." The BOBCARD Premier Credit Card offers 5X reward points on travel, dining, and international spends, 2X points on other transactions, and domestic lounge access. This BOBCARD Premier Credit Card is currently lifetime free till 31st December 2025 with excellent reward redemption flexibility.
Why This Is The Best Travel & Dining Card in 2025!
5X Points for travel, dining, and overseas • 2X Points for all other transactions • Access to 4 Domestic Lounges per year • 1% Fuel Surcharge Waiver • 24-hour Priority Concierge • Earn 500-point bonus for ₹5,000 in the first 90 days • Lifetime Free benefit valid until Dec 2025
Best for: Frequent travelers, food lovers, international shoppers, and people who want hassle-free rewards and lounge access
Limited Period LTF Offer – Joining Fee 100% Waived till 31st Dec 2025
Card At a Glance
₹1,000 + GST (Currently LTF)
₹1,000 + GST (Waived on ₹2 Lakh spend)
5X on Travel/Dining/Intl | 2X on Others
500 Bonus Points on ₹5,000 spend
4/year (Spend-based)
3.5%
Complete Fees & Charges
| Particular | Details |
|---|---|
| Joining Fee | ₹1,000 + GST (Currently Lifetime Free) |
| Annual Fee | ₹1,000 + GST (Waived on ₹2 Lakh spend) |
| Welcome Benefit | 500 Bonus Points on ₹5,000 spend in 60 days |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (up to ₹250 per month) |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
Detailed Reward Rates (2025)
- 10 Reward Points (5X) per ₹100 spent on travel, dining, and international transactions (up to ₹20,000 per month)
- 2 Reward Points per ₹100 on other transactions
- 1 Reward Point per ₹100 of fuel, utilities, and rent (with exceptions)
- 1 point = ₹0.25 for cashback, vouchers, and redemption
- No rewards for wallet loads, insurance, government payments
- Reward points never expire
Airport Lounge Access (2025 Rules)
4 Complimentary Domestic Lounge Visits each year
1 free access per quarter when minimum ₹20,000 is spent in previous quarter
Can be used in 35+ lounges across 22 cities
Popular lounges: Delhi, Mumbai, Bangalore, Chennai, and others
Insurance & Protection Benefits
- ₹50 Lakh Air Accident Insurance
- Zero liability on lost card
- 24/7 concierge service for travel bookings
Advantages & Disadvantages (Real User Perspective)
| Advantages | Disadvantages |
|---|---|
| 5X points on travel, dining & international | 3.5% forex fee (higher than average) |
| Lifetime Free offer till Dec 2025 | Lounge access based on spending (₹20K/quarter) |
| 2X Points on all other spends | No international lounge access |
| Easy cash back redemption (₹0.25/pt) | Rewards capped at 2.5% value |
| 1% fuel waiver + concierge service | No movie or dining specific perks |
| 500 Welcome Bonus Points |
Eligibility Criteria & Documents Required
- Age: 21-60 years
- Minimum Annual Income: ₹6 Lakh (Salaried) or ₹9 Lakh ITR
- Credit Score: 750+ preferred
- Documents Required: PAN, Aadhaar, salary slip/ITR
How to Apply Online in 5 Minutes
- Go to BOBCARD website and choose Premier Card
- Fill basic information → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2-3 minutes)
- Card approved and dispatched within 7-10 days
Final Verdict—Should You Get One in 2025?
If you spend ₹20,000+ every month on travel, dining, or overseas, the BOBCARD Premier Credit Card will fetch you reward value of ₹15,000 to ₹25,000 annually with 5X rewards, lounge access, and LTF offer. The BOBCARD Premier Credit Card is perfect for maximizing your spending rewards. Apply before the LTF offer ends on 31st December 2025!
Frequently Asked Questions (FAQs)
Is the LTF offer still available for BOBCARD Premier Credit Card?
Yes, the BOBCARD Premier Credit Card is lifetime free until 31st December 2025 – No joining or renewal fees during this period.
How to get lounge access with BOBCARD Premier Credit Card?
Spend ₹20,000 every quarter to unlock 1 lounge visit for the next quarter. Total 4 visits per year available with BOBCARD Premier Credit Card.
Do reward points expire on BOBCARD Premier Credit Card?
No, reward points on BOBCARD Premier Credit Card never expire.
Can I redeem points for cash with BOBCARD Premier Credit Card?
Yes, 1 point = ₹0.25 as statement credit with BOBCARD Premier Credit Card.
What is Forex Markup on BOBCARD Premier Credit Card?
3.5% on international transactions with BOBCARD Premier Credit Card.
Affiliate Disclosure: This website contains affiliate links. As a result, if you apply with these links and are accepted, we will earn a commission without you incurring any additional charges. Updated: December 17, 2025