Premier is BOBCARD's travel leaning mid tier card. Its best rate, 10 points per Rs 100, applies to travel, dining and international spends, while everything else earns 2 points per Rs 100. With points worth Rs 0.25 each, that is 2.5% on the accelerated categories and 0.5% elsewhere.
The fee side is friendly: Rs 1,000 joining fee reversed on just Rs 10,000 of spends in 60 days, and the same fee waived every year at Rs 1.2 lakh. Eligibility starts at a net annual income above Rs 7.2 lakh, and a RuPay variant lets you link the card to UPI apps, though UPI spends earn only core points on BOBCARDs.
Annual Fee (+ 18% GST)₹1,000 (₹1,180 incl. GST)
Fee WaiverAnnual fee waived on Rs 1,20,000 spends in the anniversary year; joining fee waived on Rs 10,000 spends in the first 60 days
Joining Perk500 welcome bonus reward points, as listed on the BOBCARD Premier product page (spend condition as per product terms)
Primary Reward10 reward points per Rs 100 (5X) on travel, dining and international spends, capped at 2,000 accelerated points per statement cycle, and 2 points per Rs 100 on other spends. One reward point is worth Rs 0.25
Airport Lounge Access1 complimentary domestic airport lounge visit per quarter, unlocked by Rs 20,000 net spends in the previous calendar quarter. No international lounge access
Forex Markup3.5% plus GST
RuPay UPIYes — RuPay UPI enabled
Best ForModerate travellers and diners who want 5X points on travel and dining at a Rs 1,000 fee
What We Like
5X points on travel, dining and international spends
Low fee with an easy Rs 1.2 lakh annual waiver
Joining fee reversed on just Rs 10,000 spends in 60 days
RuPay variant available for UPI payments
Watch Out
Only 1 domestic lounge visit per quarter, and it is spend unlocked
Accelerated points are capped at 2,000 per statement cycle
Forex markup of 3.5% makes overseas spends costly despite the 5X earn
MITC & Hidden Charges
Fees as per the BOBCARD MITC and Key Fact Statement dated 17 July 2026: joining fee Rs 1,000 and annual fee Rs 1,000 plus GST, finance charges 3.75% per month on all BOBCARDs, and a foreign currency transaction fee of 3.5% for this card. Fuel surcharge waiver is 1% on transactions between Rs 400 and Rs 5,000, capped at Rs 250 per statement, and fuel transactions do not earn reward points. Interest free period is 20 to 50 days. The BOBCARD website was showing a limited period Rs 0 joining fee offer on this card at the time of verification.
The annual fee of Rs 1,000 is waived on Rs 1,20,000 spends in the anniversary year, and the joining fee is reversed on Rs 10,000 spends in the first 60 days, as per the BOBCARD MITC.
How many lounge visits does Premier give?
One domestic lounge visit per quarter, which unlocks after Rs 20,000 of net spends in the previous calendar quarter.
Can I use BOB Premier on UPI?
Yes. BOBCARD offers Premier on the RuPay network as well, and RuPay variants can be linked to UPI apps. UPI transactions earn only the core reward points.
Alternatives to Consider
BOBCARD Eterna Credit Card
Bank of Baroda (BOB Financial)
Unlimited domestic lounges with 5X rewards
90/100✓ MITC verified
Annual Fee₹2,499 + GST
Reward15 Reward Points per ₹100 on online, travel, dining and international spends; 3 per ₹100 elsewhere
LoungeUnlimited complimentary domestic lounge visits, only if net spends are ₹75,000 or more in the preceding calendar quarter (threshold raised from ₹40,000 on 1 Oct 2026)