BOBCARD Sentinel Credit Card – Benefits, Fees & Eligibility

Introduction

The BOBCARD Sentinel Credit Card, issued by BOBCARD Limited, is a specialized, lifetime-free credit card exclusively designed for Assam Rifles personnel and veterans. Positioned as a mid-range offering, it provides a compelling suite of benefits including a zero annual membership fee, a high reward rate of up to 10 Reward Points on every Rs. 100 spent, complimentary domestic airport lounge access, and a fuel surcharge waiver. Cardholders are welcomed with benefits such as bonus Reward Points and exclusive memberships, making it a valuable option for its target audience.

Welcome Benefits

• Complimentary FitPass Pro membership for 6 months.
• 500 bonus Reward Points on spends of ₹5,000 or more within the first 60 days of card issuance.
• 1,000 bonus Reward Points on activating your card within the first 30 days of issuance.
• Free Zomato Pro membership if you activate your card within the first 30 days from the card issuance date.
• Milestone Benefit: Complimentary Amazon Prime annual membership on spending ₹1 Lakh or more within the first 90 days of card issuance.

Fees

• Joining Fee: Nil
• Annual Fee: Nil
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5% of the total transaction amount.
• Interest Rates: 3.49% per month.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000. The maximum waiver per statement cycle is capped at Rs. 250.
• Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher.

Rewards

• Core Reward Points: 2 Reward Points for every Rs. 100 spent on retail purchases and any other category.
• Accelerated Rewards: 5x rewards (10 Reward Points on every Rs. 100 spent) on groceries and departmental store purchases.
  • 5X Rewards are capped at 1000 Reward Points on the mentioned categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate (2 R.P for every Rs.100).
• Exclusions: Reward program is not applicable on select Merchant Category Codes (MCCs) and Fuel transactions. Fuel transactions are not eligible for Reward Points.
• UPI Transactions: Eligible only for core Reward Points; do not qualify for bonus rewards.

Rewards Redemption Guide

• The accumulated Reward Points can be redeemed against various options available on the BOBCARD Rewards portal.
• Reward Points can also be redeemed as cashback.
• Value: 1 Reward Point = Re. 0.25.

Travel

• Domestic Lounge Access: 8 complimentary access to domestic airport lounges per year (maximum of 2 visits per quarter).
  • Effective January 1, 2025, complimentary lounge access will be subject to a minimum spend of Rs. 20,000 in the preceding calendar quarter.
• Concierge Services: 24/7 assistance for Domestic & International Concierge Services (Powered by RuPay).

Insurance Benefits

• Get an insurance cover worth Rs. 20 lakhs against personal accidental death (Air or Non-Air). This ensures financial protection for your family.

Card Eligibility Criteria

• Personnel: You should be an Assam Rifles Personnel or an Assam Rifles Veteran.
• Age: Primary cardholder's age should be between 18 and 70 years. Add-on cardholders must be above 18 years.
• Credit Score: A decent credit score might be required.

Documents Required

• Identity Proof: Aadhar Card, PAN Card, Voter’s ID, Passport, etc.
• Proof of being an Assam Rifles Personnel/Veteran: ID card, Service Certificate, Latest Salary Slip mentioning the rank of the official. For veterans, PPO (Pension Payment Order) documents are required.
• Address Proof: Latest utility bills, Ration Card, Passport, Aadhar Card (both sides), Voter ID Card, Driving Licence, Job Card.
• Income Proof: Salary slip/latest bank statements.

Card Review

The BOBCARD Sentinel Credit Card is an excellent, lifetime-free option specifically tailored for Assam Rifles personnel and veterans. It offers significant value through its zero joining and annual fees, making it highly accessible. The card provides decent reward rates, especially on groceries and departmental store purchases, along with valuable travel benefits like complimentary domestic lounge access. The included personal accidental death insurance cover of Rs. 20 lakhs is a substantial added advantage. While its eligibility is restricted to a specific demographic, for those who qualify, it presents a comprehensive package of benefits that often exceed expectations for a no-fee card. It is highly recommended for eligible individuals seeking a rewarding and feature-rich credit card.

Important Product Details

• Lifetime free card with zero joining and annual fees.
• Up to 10 Reward Points for every Rs. 100 spent on specific categories.
• Complimentary FitPass Pro membership for 6 months.
• Bonus Reward Points as a welcome benefit.
• Complimentary Amazon Prime annual membership on achieving a spend milestone.
• 8 complimentary domestic lounge accesses per year (2 per quarter), subject to spend criteria.
• 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 (capped at Rs. 250/cycle).
• Accidental insurance coverage worth Rs. 20 lakhs.
• Foreign currency markup fee of 3.5%.
• Interest rate of 3.49% per month.
• Free add-on cards for family members (spouse, parents, siblings, kids >18).
• Option to convert purchases above ₹2,500 into Smart EMIs (6 to 48 months).
• Up to 50 days of interest-free credit facility.
• Zero liability on lost cards upon immediate reporting.
• Contactless payment enabled for secure and faster transactions.

Other Details

• The application process can be completed offline by visiting a BOBCARD branch or online through a 3-step digital process (online application form, e-sign using Aadhaar, Video KYC).
• The GST component on fuel surcharge is not reversed.
• The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank providing the terminal to the merchant.
• The value of fuel transaction on the charge slip will differ from the credit card statement since the fuel surcharge and GST on the same are levied by the acquiring bank after the transaction.
• The 24/7 concierge service is a booking/scheduling assistance service provided by NPCI-RuPay for a defined list of Domestic and International services. The cost of booked/scheduled services will have to be borne by the cardholder at the rates informed by the concierge call centre.
• Refer to the Most Important Terms and Conditions (MITC) on bobcard.co.in for detailed information on Reward Points, lounge access, and other terms.