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Instant RuPay BOBCARD

Best for online transactions, RuPay network

₹500/yr annual fee

RuPay

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Annual fee

₹500/yr

Reward rate

Not published

Min. income

₹1,20,000

Forex markup

Not published

Lounge access

None

Eligibility

₹1.20 lakh/yr · CIBIL 600+

Reward cap

₹300/month

Welcome benefit

None beyond the reward rate

Who is this for

  • Digital payment user
  • RuPay preferer

What we like

  • 2% on RuPay transactions
  • Low annual fee

Watch out for

  • Limited international acceptance

Fees and charges

Fee Amount Waiver
Joining fee ₹500 Not waivable
Annual fee ₹500 Waived on Rs 1 lakh annual spend
Late payment ₹500 Not waivable

Rewards

Spend category Rate Cap Redemption
DIGITAL 2.00 ₹300/month 1.00
All spends 1.00 No cap 1.00

Benefits

  • RuPay benefits Highlight

    2% cashback on RuPay network transactions

  • UPI cashback Highlight

    Enhanced cashback on UPI payments

  • Fuel surcharge waiver

    1% waiver on fuel transactions Rs 500-3,000

Eligibility

Age
18–70 years
Min. income
₹1,20,000
Min. credit score
600+
Score note
Stable income
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, salary slips / ITR

Instant RuPay BOBCARD is a RUPAY credit card from Bank of Baroda. It is best suited for online transactions, RuPay network.

Fees and rewards

  • Annual fee: Rs 500
  • Joining fee: Rs 500
  • Rewards: 2% cashback on RuPay transactions; 1% on all other purchases

Eligibility

PAN, Aadhaar, salary slips / ITR

Card data compiled from issuer published fee schedules. Status: active.

Apply for Instant RuPay BOBCARD

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Instant RuPay BOBCARD worth it?
Instant RuPay BOBCARD is a credit card issued by its bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Instant RuPay BOBCARD?
Instant RuPay BOBCARD charges ₹500 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the Instant RuPay BOBCARD reward rate work?
Instant RuPay BOBCARD earns structured rewards that vary by spend category. Check the rewards tile on this page for the full multiplier schedule.

What are the eligibility requirements for the Instant RuPay BOBCARD?
To qualify for Instant RuPay BOBCARD, you typically need: minimum annual income ₹1,20,000; CIBIL score of 600+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the Instant RuPay BOBCARD offer airport lounge access?
Instant RuPay BOBCARD does not publish complimentary airport lounge access as a benefit.

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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.

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