BOBCARD RuPay Credit Cards

BOBCARD offers various RuPay cards that allow consumers to make secure everyday payments while maximizing savings. BOBCARD RuPay cards enable UPI payments through their compatibility with Google Pay, PhonePe and Paytm, which allow cardholders to make secure payments through UPI. Cardholders can also earn rewards or cashback on UPI spends along with other benefits such as fuel surcharge waiver and secure contactless payments. Here are the best BOBCARD RuPay credit cards offering benefits across multiple categories.

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Features and Benefits of BOBCARD RuPay Credit Cards

Given below are the best RuPay Credit Card offered by BOBCARD, along with their features, benefits, and applicable fees and charges.

1. BOBCARD Tiara RuPay

Joining Fee: Rs. 2,499 + Taxes
Annual Fee: Rs. 2,499 + Taxes

Key Features & Benefits:

15 reward points per Rs. 100 spent on travel, dining, & internationally
3 reward points per Rs. 100 spent on other categories, including UPI spends
Low foreign exchange markup fee of 2%
Unlimited complimentary visits to domestic airport lounges for the primary cardholder on min spends of Rs. 40,000 per quarter
Rs. 500 off each on Nykaa, Flipkart and Myntra per quarter
Rs. 1,500 discount voucher per quarter for Lakme Salon services
Complimentary annual memberships of Amazon Prime, Disney+ Hotstar, and Gaana Plus
Complimentary 3-month Swiggy One membership, once per year
Rs. 250 off on BookMyShow (on booking at least 2 tickets) and Rs. 250 off on BigBasket every quarter
Complimentary women’s health package including Pap smear, blood tests, mammography, and more

BOBCARD Tiara RuPay is a premium credit card with benefits like unlimited domestic lounge visits, low forex markup fees of 2% and more. This card offers 15 reward points per Rs. 100 on travel, dining, and international spends, and 3 points per Rs. 100 on other categories. Apart from this, the card also offers free membership discounts on movie tickets and more. In addition to this, the card also offers a complimentary women’s health package, which makes it one of the best credit cards for women . Overall, this credit card is a suitable option for consumers seeking an all-rounder card along with decent benefits on UPI spends.

2. BOBCARD Premier RuPay

Joining Fee: Rs. 1,000 + Taxes*
Annual Fee: Rs. 1,000 + Taxes*

Key Features and Benefits:

10 reward points per Rs. 100 spent on dining, travel & international spends
2 reward points per Rs. 100 spent on other categories, including UPI spends
500 bonus reward points on spending Rs. 5,000 within the first 60 days of card activation
1 complimentary domestic lounge visit per quarter upon spending Rs. 20,000 in the previous quarter
1% fuel surcharge waiver on fuel spent between Rs. 400 and Rs. 5,000

BOBCARD Premier RuPay offers 10 points for every Rs. 100 spent on travel, dining, and international transactions. Also, cardholders can earn 2 points per Rs. 100 spent on other categories, including UPI spends, making it a suitable option for day-to-day spends. Other benefits like bonus reward points, complimentary lounge visits and fuel surcharge waiver add to its value. Overall, this credit card is a suitable option for regular spenders looking for a card with moderate travel and lifestyle benefits.

* Nil (Lifetime Free Offer till 31st March, 2026)

3. BOBCARD Select RuPay

Joining Fee: Rs. 750 + Taxes*
Annual Fee: Rs. 750 + Taxes*

Features and Benefits:

5 Reward Points on every Rs. 100 spent on dining and online purchases
500 Reward Points on spending min. Rs. 5,000 within first 60 days of card activation
1 Reward Point on every Rs. 100 spent on UPI and other categories
Redeem accumulated reward points at a value of 1 Reward Point = Rs. 0.20
1% fuel surcharge waiver, up to Rs. 250 monthly, on fuel spends of Rs. 400 to Rs. 5,000

BOBCARD Select RuPay is primarily designed to offer accelerated benefits on dining and online spends. It offers 5 reward points per Rs. 100 on dining and online purchases, and 1 point per Rs. 100 on other spends. Cardholders can redeem accumulated reward points at a value of Rs. 0.20 per point. Apart from the rewards program, this credit card does not have much to offer and comes with limited benefits like a fuel surcharge waiver, insurance coverage, etc. This credit card is a suitable option for consumers looking for a low annual fee card with basic benefits.

* Nil (Lifetime Free Offer till 31st March, 2026)

4. IRCTC RuPay BOBCARD

Joining Fee: Rs. 500 + Taxes
Annual Fee: Rs. 350 + Taxes

Features and Benefits:

Up to 40 reward points on every Rs. 100 spent on train bookings through IRCTC website or mobile app
4 reward points per Rs. 100 spent on departmental stores
2 reward points per Rs. 100 spent on other categories inlcuding UPI transctions
Bonus 500 reward points on spending Rs. 5,000 within first 60 days of card activation
4 complimentary railway lounge visits every year
1% transaction charge waiver on booking tickets through IRCTC website or mobile app

IRCTC RuPay BOBCARD is a co-branded travel credit card with IRCTC that offers up to 40 reward points per Rs. 100 on IRCTC train bookings. This entry-level credit card also offers 2X reward points on spends at departmental stores, along with a base reward rate of 2 points per Rs. 100 spent on UPI and other categories. In addition to this, it also offers bonus reward points and complimentary railway lounge visits, making it a suitable option for frequent train travellers looking to maximize their savings on travel and everyday spends.

5. HPCL ENERGIE RuPay BOBCARD

HPCL Bank of Baroda ENERGIE Credit Card

Joining Fee: Rs. 499 + Taxes
Annual Fee: Rs. 499 + Taxes

Key Features and Benefits:

24 reward points on every Rs. 150 spent on fuel at HPCL retail outlets, via HP Pay app and on LPG purchases
1% fuel surcharge waiver on all fuel spends worth Rs. 400 to Rs. 5,000, capped at Rs. 100 per month, made at HPCL fuel stations
Additional 1.5% cashback as Payback points on every Rs. 100 spent on fuel via the HP Pay app
500 bonus reward points by spending Rs. 5,000 or more within 60 days of card activation
10 reward points on every Rs. 150 spent on departmental stores and utility spends
2 reward points on every Rs. 150 spent on other category purchases, including UPI spends
4 complimentary domestic airport lounge visits per year on reaching Rs. 20,000 quarterly spends

HPCL ENERGIE RuPay BOBCARD is a fuel credit card offering 24 reward points per Rs. 150 spent on fuel at HPCL outlets, via HP Pay, and on LPG purchases. Additionally, 1% fuel surcharge waiver and 1.5% cashback as payback points increase the overall savings to 6.5% on HPCL fuel spends. Apart from this, the card also offers 4 complimentary domestic lounge visits and discount on ticket bookings via District. Overall, it is ideal for consumers who prefer to refuel at HPCL Petrol pumps and want to maximize their savings on fuel and other day-to-day expenses.

Other BOBCARD RuPay Credit Cards

Credit Card	Annual Fee	Benefits on UPI
Indian Navy VARUNAH BOBCARD Premium	Rs. 2,499 + Taxes	3 Reward Points on every Rs. 100 spent
Indian Army YODDHA BOBCARD	Nil	2 Reward Points on every Rs. 100 spent
Indian Coast Guard RAKSHAMAH BOBCARD	Nil	2 Reward Points on every Rs. 100 spent
BOBCARD ICSI DIAMOND Credit Card	Nil	1 Reward Point on every Rs. 100 spent
BOBCARD CMA One Credit Card	Nil	1 Reward Point on every Rs. 100 spent
Assam Rifles the Sentinel BOBCARD	Nil	2 Reward Points on every Rs. 100 spent
SNAPDEAL RuPay BOBCARD	Rs. 249 + Taxes	4 Reward Points on every Rs. 100 spent
BOBCARD VIKRAM Credit Card	Nil	1 Reward Point on every Rs. 100 spent
BOBCARD Easy RuPay Credit Card	Rs. 500 + Taxes*	1 Reward Point on every Rs. 100 spent
BOBCARD Eterna RuPay Credit Card	Rs. 2,499 + Taxes*	3 Reward Points on every Rs. 100 spent

*Nil (Lifetime Free Offer till 31st March, 2026).

FAQs

How do reward points work on BOBCARD RuPay Credit Cards?

Reward points can vary by card. Tiara offers up to 15 points per Rs. 100, Premier up to 10 points, Select up to 5 points, IRCTC up to 40 points on train bookings, and HPCL ENERGIE offers fuel-focused rewards. Redemption value is up to Rs. 0.25 per point.

Which BOBCARD RuPay Credit Card is best for travel benefits?

BOBCARD Tiara and Eterna RuPay Credit Cards are best for travel. These cards offer accelerated reward points on travel and international spends, a low foreign exchange markup of 2%, complimentary memberships, and unlimited domestic airport lounge access upon meeting quarterly spend criteria.

Which BOBCARD RuPay Credit Card is best for fuel savings?

HPCL ENERGIE RuPay BOBCARD is a co-branded credit card offered under the partnership of BOBCARD and HPCL, ideal for fuel spends. It offers 24 reward points per Rs. 150 spent at HPCL outlets, 1% fuel surcharge waiver, an additional 1.5% cashback via HP Pay, making it a great choice for frequent HPCL customers.

Who should choose BOBCARD RuPay Credit Cards?

BOBCARD RuPay Credit Cards suit a wide range of consumers—from beginners and moderate spenders to frequent travellers, fuel buyers, and government or defence professionals. With UPI compatibility, lifetime free offers, and category-based rewards, they cater to diverse spending needs.

What benefits does BOBCARD Tiara RuPay Credit Card offer?

BOBCARD Tiara RuPay Credit Card offers 15 reward points per Rs. 100 on travel, dining, and international spends, unlimited domestic lounge access on quarterly spends, low 2% forex markup, shopping and salon vouchers, complimentary OTT subscriptions, women’s health benefits, and fuel surcharge waiver.

What are the benefits of BOBCARD Eterna RuPay Credit Card?

BOBCARD Eterna RuPay Credit Card offers unlimited domestic airport lounge access and 15 reward points per Rs. 100 on online shopping, travel, dining, and international spends. It comes with an annual fee of Rs. 2,499 plus taxes and suits high spenders.