Joining Fee:
₹250 +GST
Return Percentage:1% to 2%
Credit Card Overview
A financial inclusion card created to support underserved users, offering essential rewards, fee waivers, and digital-first features for easy credit access.
Best Suited For: Cashback
BOB
Fees and charges at a glance
- Annual fee
- ₹250
- Joining fee
- ₹250
- Reward rate
- 1% to 2%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
BOB Swavlamban credit card — Earn Categories
Everyday rate
- Base Rewards4 Reward Points (reward points) / ₹100
1 more earning category on this card
We track all 2 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Education
- Agriculture
- Contractor
- Cleaning and Maintenance
- Government
- Supermarket & convenience store
- Wallets
- Charity
- Fast food restaurants
- Hospitals
- Fuel
- Transportation & Tolls
- Insurance
- Rent