BOBCARD Premier

Lounge access

• Premier: 1 complimentary domestic lounge visit per quarter, subject to minimum net spends of ₹20,000 in the preceding calendar quarter.
• Minimum spend criteria waived for the calendar quarter of card issuance (fresh cards only).
• Cooling period of 5 hours between lounge visits.
• Card must be validated by swiping a nominal ₹2 transaction.

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Charge

• Contactless: No PIN required for a single transaction of less than ₹5000.
• For transactions more than ₹5000, credit card PIN is required.
• Contactless payment allowed up to maximum ₹5000 for a single transaction in India (common limit for all customers; individual limit not possible).

Verified · harvested from product page · 2026-08-02 · source

Redemption value

• Reward Points redeemable against Card statement (cashback) with minimum 1000 Reward Points required.
• TWID Pay with Rewards: 1 RP = 15 Paisa, minimum 500 reward points to initiate, up to 25% of total invoice amount redeemable.
• Reward Points valid for 2 years from date of accumulation.
• Expire if not redeemed within 2 years.

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Reward cap

• Accelerated Reward Points capped at 2000 Reward Points per statement cycle for Premier / Premier (FD Backed).
• Further spends in that statement cycle on such categories earn Reward Points at the regular earn rate.

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Reward exclusion

• Reward Points earned only where transaction amount is ₹100 or higher (below ₹100 earns nothing).
• Fuel transactions don't earn reward points.
• Spends on special categories (MCCs) in Annexure 1 don't qualify for accelerated or core reward points.
• Credit Card on UPI transactions and Utility Transactions (MCC 4900) not eligible for Accelerated Reward Points.

Verified · harvested from product page · 2026-08-02 · source

Travel benefit

• BOBCARD SmartDeal (Premier): Flight booking earns 8 points for every ₹100.
• Hotel booking earns 20 points for every ₹100 when booked via BOBCARD SmartDeal in the logged-in section of the BOBCARD Mobile App/Portal.
• Extra points posted within 48 hours of Flight/Hotel journey fulfilment.

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Insurance

In-built personal accident death cover of up to ₹50 Lakh (air).

Verified · Premier product page · 2026-08-02 · source

Official terms

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

Verified · Premier product page · 2026-08-02 · source