{"id":85553,"date":"2026-03-10T12:24:43","date_gmt":"2026-03-10T06:54:43","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85553"},"modified":"2026-03-10T12:24:48","modified_gmt":"2026-03-10T06:54:48","slug":"bob-premier-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bob-premier-credit-card\/","title":{"rendered":"BOB PREMIER Credit Card: Your Smart Travel Companion"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 10 reward points for every \u20b9100 spent on dining.<\/li>\n\n\n\n<li>Pay an annual fee of \u20b9 1,000, with milestone waivers available.<\/li>\n\n\n\n<li>Earn 500 bonus points after an initial spending of \u20b95,000.<\/li>\n\n\n\n<li>Complimentary lounge visit after \u20b920,000 quarterly spending.<\/li>\n\n\n\n<li>Earn 2 reward points for every \u20b9100 spent.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The BOB PREMIER credit card is an intermediate travel and lifestyle card that targets frequent travellers. With a joining and annual fee of \u20b91,000, it offers 5X rewards on travel and international transactions.<\/p>\n\n\n\n<p>Another feature of cardholders is the ability to receive fee waivers in case of regular spending based on milestones. Furthermore, this card is designed to suit individuals who travel frequently and provides benefits, reward earnings and practical value in a single package.<\/p>\n\n\n\n<p>But that\u2019s not all! Keep reading to discover the key features of this card.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#bob-premier-credit-card-benefits\">BOB PREMIER Credit Card Benefits<\/a><\/li><li><a href=\"#other-bob-premier-credit-card-features\">Other BOB PREMIER Credit Card Features<\/a><\/li><li><a href=\"#accessible-domestic-lounges-with-bobcard-premier\">Accessible Domestic Lounges with BOBCARD PREMIER<\/a><\/li><li><a href=\"#bank-of-baroda-premier-credit-card-charges\">Bank of Baroda Premier Credit Card Charges<\/a><\/li><li><a href=\"#bobcard-premier-eligibility-criteria\">BOBCARD PREMIER Eligibility Criteria<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-premier-credit-card-benefits\"><strong>BOB PREMIER Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Premier-Benefits-1024x682.jpg\" alt=\"BOB PREMIER Credit Card Benefits\" class=\"wp-image-85555\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Premier-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Premier-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Premier-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Premier-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Premier-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>With this card, you can earn 500 bonus reward points when you spend \u20b95,000 or more within the first 60 days of card issuance. This provides a quick start to earning rewards, including:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Dining Rewards:<\/strong> Earn 5X reward points, equivalent to 10 points for every amount spent on dining transactions in 100.<\/li>\n\n\n\n<li><strong>Shopping Privileges:<\/strong> Enjoy deals and discounts on everyday purchases across selected online and retail brands.<\/li>\n\n\n\n<li><strong>Fee Waiver Benefits:<\/strong> The joining fee will be waived if you spend \u20b910,000 in the first 60 days. Annual fee is not charged provided that annual expenditure is \u20b91,20,000.<\/li>\n\n\n\n<li><strong>Insurance Protection:<\/strong> The card will provide a personal accidental death insurance of \u20b950 lakh on air travel accidents and \u20b910 lakh on non-air accidents.<\/li>\n\n\n\n<li><strong>Base Reward Earnings:<\/strong> Receive 2 reward points each time you spend \u20b9100 on other qualifying purchases in everyday spending categories.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"other-bob-premier-credit-card-features\"><strong>Other BOB PREMIER Credit Card Features<\/strong><\/h2>\n\n\n\n<p>Receive a 1% fuel surcharge waiver at fuel stations across India on transactions between \u20b9400 and \u20b95,000. The maximum waiver allowed is \u20b9250 per statement cycle.&nbsp;<\/p>\n\n\n\n<p>Here are the other features of this credit card:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Smart EMI Facility<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Convert purchases above \u20b92,500 into flexible EMI plans. You can choose repayment periods ranging from 6 to 48 months based on your convenience.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Add-on Cards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Get up to 3 lifetime free add-on cards for eligible family members above 18 years. This helps manage shared expenses more efficiently.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Secure Card Usage<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Report a lost card immediately to receive zero liability protection against unauthorised transactions. The card also supports secure contactless payments for faster and safer purchases.<\/p>\n\n\n\n<p>\ud83d\udca1Strong card protection features may not be enough. You need a secure way to handle payments. Download the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a><em>\u2060<\/em> today for strict security and compliance practices!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"accessible-domestic-lounges-with-bobcard-premier\"><strong>Accessible Domestic Lounges with BOBCARD PREMIER<\/strong><\/h2>\n\n\n\n<p>BOB PREMIER Credit Card lounge access includes 1 complimentary domestic airport visit. Here are some of the <a href=\"https:\/\/media.bobcard.co.in\/media\/cl0pbukb\/bobcard-lounge-terms-conditions.pdf\" target=\"_blank\" rel=\"noopener\">eligible lounges<\/a> of this credit card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Lounge<\/strong><\/td><\/tr><tr><td>Ahmedabad<\/td><td>Adani Lounge &#8211; Premium Loyalty<\/td><\/tr><tr><td>Mumbai<\/td><td>Travel Club<\/td><\/tr><tr><td>Bengaluru<\/td><td>080 VIP Lounge<\/td><\/tr><tr><td>Coimbatore<\/td><td>Blackberry Lounge<\/td><\/tr><tr><td>Kolkata<\/td><td>Travel Club<\/td><\/tr><tr><td>New Delhi<\/td><td>Encalm Lounge<\/td><\/tr><tr><td>Jammu<\/td><td>Pahun Lounge<\/td><\/tr><tr><td>Cochin<\/td><td>Earth Lounge<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bank-of-baroda-premier-credit-card-charges\"><strong>Bank of Baroda Premier Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>Exceeding the approved BOBCARD PREMIER limit may result in an overlimit charge of 2.5%, subject to a minimum fee of \u20b9600.<\/p>\n\n\n\n<p>Refer to the table below for the complete <a href=\"https:\/\/www.bobcard.co.in\/most-important-terms-and-condition\/bobcard-mitc\" target=\"_blank\" rel=\"noopener\">list of applicable charges<\/a>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.75% monthly or 45% annually<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Foreign Currency Transaction<\/td><td>2%<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than 100 is NIL.For amounts ranging from \u20b9100 to \u20b950,000 and above, it ranges between \u20b9100 and \u20b91300.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bobcard-premier-eligibility-criteria\"><strong>BOBCARD PREMIER Eligibility Criteria<\/strong><\/h2>\n\n\n\n<p>To qualify for the Bank of Baroda PREMIER Credit Card, you must fulfil the following eligibility criteria:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>You must be an Indian resident with a net annual income above \u20b97.2 lakh.<\/li>\n\n\n\n<li>Salaried applicants should be between 21 and 60 years of age, while self-employed applicants must fall between 24 and 65 years of age.<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1Once your card is active, keep everything organised with timely credit card bill payment\u2060 alerts on <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a>. Pay dues smoothly through the app and track each payment easily, so no due date slips past unnoticed.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Reward points can be redeemed as cashback at a value of \u20b90.25 per point.<\/li>\n\n\n\n<li>Accelerated 5X rewards are limited to 2,000 points per statement cycle on eligible categories.<\/li>\n\n\n\n<li>The first-year fee appears in the third billing statement if milestone spending conditions remain unmet.<\/li>\n\n\n\n<li>Complimentary lounge access requires \u20b920,000 spending in the previous calendar quarter starting 1 January 2025.<\/li>\n\n\n\n<li>The lifetime free offer for the BOBCARD PREMIER is available to qualifying applicants till March 31, 2026.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1773125242275\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is there an FD-backed PREMIER card variant?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, an FD-backed variant of this card is available. The joining and annual fees are waived for cards issued against a fixed deposit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773125261251\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the BOB PREMIER Credit Card application process?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can apply online through the official BOBCARD website by completing the form and identity verification. You may also contact support or visit a Bank of Baroda branch.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773125280200\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What income documents are required for application?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Salaried applicants must submit salary slips with recent bank statements showing salary credits. Self-employed applicants need bank statements showing business transactions for the last 3 months.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773125296717\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How is the credit limit decided on BOBCARD PREMIER?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The approved limit depends on eligibility and financial assessment. The final credit limit is shared after card approval in the welcome kit and related documents.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773125316059\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What should you do if my credit card is lost?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Block the card immediately through the BOBCARD mobile app or web portal. You may also call customer care or send an SMS request from your registered mobile number.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773125331740\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How are insurance claims settled on the card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Insurance claims first adjust against any outstanding card dues if applicable. Administrative charges of \u20b91,000 or \u20b92,000 apply before the remaining amount transfers to the nominee.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773125349484\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the contactless payment transaction limit?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Contactless payments allow transactions up to \u20b95,000 without entering a PIN. This limit applies uniformly and cannot be changed by individual cardholders.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The BOB PREMIER credit card is an intermediate travel and lifestyle card that targets frequent travellers. With a joining and annual fee of \u20b91,000, it offers 5X rewards on travel and international transactions. Another feature of cardholders is the ability to receive fee waivers in case of regular spending based on milestones. Furthermore, [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85554,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85553"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85553\/revisions"}],"predecessor-version":[{"id":85556,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85553\/revisions\/85556"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85554"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}