BOBCARD · Scored card guide

BOBCARD PRIME

Issuer-checked 0.4% cash-equivalent points on eligible nonfuel spending. FD-backed, so deposit opportunity cost matters.

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Where it pays

The issuer states 2 points per ₹100 eligible spend; points redeemed for cashback at ₹0.20 each make ₹0.40 per ₹100 (0.4%). Fuel and select merchant category codes do not earn points. PRIME is an FD-backed card with a minimum ₹30,000 deposit; the opportunity cost of the deposit is not included. No joining or annual fee. Welcome points and limited offers are excluded.

Annual fee: ₹0. A minimum ₹30,000 fixed deposit is required. The estimate excludes interest or opportunity cost on that deposit.

Issuer source

https://www.bobcard.co.in/credit-card-types/prime

Checked 27 Sep 2026. Transaction rounding and MCCs can change actual earnings; read live terms before applying.

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