BOBCARD Credit Card Eligibility

The eligibility criteria for BOBCARD credit cards are:

Age – The applicants must fall within the age group of 21 to 65 years. Add-on cards can be given to people who are 18 or above.

Income – BOBCARD credit cards can be applied by both salaried and self-employed individuals, but the income requirements may differ for different credit cards.

Prior Relationship with the Issuer – BOBCARD prefers to give a credit card to those customers who have been associated with them for a while.

Location – An applicant’s geographical location may also impact his/her credit approval. This is because there are some areas where the banks do not offer their services.

BOBCARD requires certain documents to process credit card application. These are:

Proof of Identity	PAN Card, Aadhaar Card, Voter’s ID Card, Passport, Driving Licence or any other government-approved photo ID.
Proof of Address	Aadhaar Card, Passport, Utility bills (not more than 3 months old) or any other government-approved ID.
Proof of Income	Bank statement for the last 3 months, Salary slips for the last 3 months, Audited financials for the last two years (for self-employed), Form 16, etc.

Credit Score – Banks prefer to provide credit cards to customers with a high credit score. A credit score above 700 is considered good for credit card approval.

Age –  Customers falling between the age group of 21 to 65 years can apply for BOBCARD Credit Cards.

Income – Income requirement varies from card to card and customers who do not meet the minimum income requirement may not get BOBCARD credit cards.

Can I get a credit card without ITR?
Yes, customers can get a credit card without submitting an Income Tax Return acknowledgement. Customers can show salary slip or Form 16 in case they do not want to submit ITR. However, self-employed individuals will have to submit ITR acknowledgement in order to avail a credit card.

Can I apply for a credit card without bank account?
BOBCARD does provide a credit to customers who do not have a bank account with them. However, it prefers to give credit card to those customers who have an account with the bank.

What should I do if my card is lost or damaged?
Customers should call on the customer care number 1800-225-100 and get their credit card blocked. In case the customer loses their credit card they will have to file an FIR as well. Afterwards inform the bank in writing about the loss and also submit the FIR copy with the bank.

Can I get a BOBCARD credit card without income proof?
You may be eligible for certain BOBCARD credit cards without income proof if you have a strong banking relationship, fixed deposits, or good account history with the bank. However, most cards still require some form of income documentation for approval.

How much salary is required for a BOBCARD credit card?
The minimum salary requirement varies by card. Generally, entry-level cards require lower monthly income, whereas premium cards may require a higher income along with additional eligibility checks.

What is the CIBIL score required to apply for a BOBCARD credit card?
A CIBIL score of 700 or above is typically preferred for easier approval. Applicants with higher scores and consistent credit behaviour have better chances of qualifying for BOBCARD credit cards.

Can I get a BOBCARD credit card if I already have other premium cards?
Yes, you can still apply for a BOBCARD credit card even if you hold other premium cards. The issuer evaluates overall credit health, income stability, and existing credit utilization before approving an additional card.