BOBCARD Select
A practical reward card designed for household utility bills, dining, and online shopping. At an accessible annual fee of ₹750, it offers 5X points on recurring expenses alongside a recurring monthly milestone bonus of 1,000 points on completing qualifying transaction volumes.
Why We Recommend The BOBCARD Select
A steady utility and household shopping card made appealing by its recurring monthly milestone bonus structure.
Moderate household spenders looking for steady monthly milestone bonuses on bill payments.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BOBCARD Select?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BOBCARD Select
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Select
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BOBCARD Select Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
5X points across both online retail portals and utility bill payments.
Bonus 1,000 reward points every month on spending ₹10,000 across 5 distinct transactions.
Low annual fee waiver target of ₹70,000.
Pros & Cons of the BOBCARD Select
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Monthly bonus milestone yields an extra ₹250 in value when spending thresholds are met.
- Straightforward cash credit redemption at ₹0.25 per point.
- Covers utility bill payments in the accelerated reward structure.
Things to Consider (Cons)
- Lacks airport lounge privileges.
- Base rewards rate is low at 0.25%.
- Often overshadowed by the newer BOBCARD Cashback card.
Who Can Apply for the BOBCARD Select?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
700+ Score Recommended
Applicants with a credit score of 700 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Select
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from BOB Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
BOBCARD Cashback
Designed as an economical cashback solution, the BOBCARD Cashback Credit Card provides a 5% direct statement return on online transactions across almost all e-commerce merchants. At a low annual fee of ₹499, it automatically credits savings against monthly card dues without points redemption catalogs or conversion delays.
BOBCARD CMA One
Completing BOBCARD’s institutional accounting suite, the CMA One card is dedicated to members of the Institute of Cost Accountants of India (ICMAI). Issued Lifetime Free, it pairs domestic airport lounge access with quarterly milestone bonuses up to 4,000 points and a reduced 2.00% forex markup.
BOBCARD Corporate
An institutional corporate card created for mid-to-large corporate organizations to govern employee travel, lodging, and client entertainment expenses. It features centralized billing ledgers, individual executive credit controls, and domestic airport lounge visits for traveling staff.
Ready to Apply for the BOBCARD Select?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.