BOBCARD Sentinel Credit Card – Benefits, Fees & Eligibility

Assam Rifles The Sentinel BOBCARD

Introduction

The Assam Rifles The Sentinel BOBCARD is a credit card exclusively designed for designated personnel and veterans of the Assam Rifles. It is offered with a zero joining and annual membership fee, making it a lifetime free card. This card provides a range of exciting privileges across various categories, including a competitive reward rate of up to 10 Reward Points for every ₹100 spent. Cardholders are welcomed with attractive benefits such as a complimentary Fitpass Pro membership and bonus Reward Points. It also offers travel benefits like complimentary domestic airport lounge access and a fuel surcharge waiver, among other significant advantages.

Welcome Benefits

• 500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance.
• Complimentary 6 Months FITPASS Pro Membership worth ₹15,000.
• 100 bonus Reward Points on activating the card within the first 30 days of issuance.
• Complimentary Zomato Pro membership if the card is activated within the first 30 days from the card issuance date.

Fees

• Joining Fee: Nil (Lifetime Free)
• Renewal Fee: Nil (Lifetime Free)
• 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 at all fuel stations across India on transactions between ₹400 and ₹5,000.
  • Maximum waiver is capped at ₹250 per statement cycle.
  • The GST component is not reversed.
  • The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank.
  • Fuel transactions are not eligible for Reward Points.
• Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher.

Rewards

• Reward Points Earning:
  • 5X Rewards, equivalent to 10 Reward Points per ₹100, on spends at Departmental Stores and Groceries.
    • This 5X Rewards benefit is capped at 1,000 Reward Points on these mentioned categories per month.
    • Further spends in that month on these specific categories will earn Reward Points at the regular earn rate of 2 Reward Points for every ₹100.
  • 2 Reward Points for every ₹100 spent on any other category (retail purchases).
  • The Reward program is not applicable on select MCCs (Merchant Category Codes) and Fuel transactions.
  • UPI transactions are eligible only for core Reward Points and do not qualify for bonus rewards.
• Travel Benefits:
  • Domestic Lounge Access: Enjoy 8 complimentary access visits at Domestic Airport lounges per year, limited to twice every quarter.
    • Effective 1st January 2025, complimentary lounge access will be subject to a minimum spend of ₹20,000 in the preceding calendar quarter.
  • Concierge Services: Access 24/7 Assistance for Domestic & International Concierge Services, powered by RuPay.
    • This service provides booking/scheduling assistance, and the cost of booked/scheduled services will be borne by the cardholder.
• Insurance:
  • An in-built Personal Accidental Death Cover of ₹20 Lakhs (covering Air / Non-Air incidents) is provided to ensure financial protection for your family.
• Milestone Rewards:
  • Receive a complimentary 12 Months Amazon Prime Membership on spending a minimum of ₹1 Lakh within 90 days of card issuance.

Rewards Redemption Guide

• Accumulated Reward Points can be redeemed for cashback or against various options available on the BOBCARD Rewards portal.
• The monetary value of 1 Reward Point is ₹0.25.

Card Eligibility Criteria

• Eligibility Rules:
  • Applicants must be Designated Personnel of the Assam Rifles or Assam Rifles Veterans.
  • The primary cardholder's age must be between 18 and 70 years.
  • Add-on cardholders must be above 18 years of age.
  • A decent credit score might be required for approval.
• Documents Required:
  • Recent Photograph: A recent passport size photograph with a clear/white background and without dark/tinted glasses.
  • Identity Proof: PAN Card, ID card, Aadhaar Card, Voter ID Card issued by the Election Commission of India, Passport, or Driving Licence.
  • Address Proof: Aadhaar Card (both sides), Voter ID Card, Passport, Driving Licence, Job Card issued by the government, latest utility bills, or Ration Card.
  • Income Proof: Official ID card / Service Certificate or Latest Salary Slip mentioning the rank of the Official.
  • For Veterans: PPO (Pension Payment Order) and other relevant pension documents.
  • Proof of being an Assam Rifles Personnel is also required.

Card Review

The Assam Rifles The Sentinel BOBCARD is an excellent choice specifically tailored for Assam Rifles personnel and veterans, offering a host of benefits as a lifetime free card with no joining or annual fees. It provides a strong value proposition through competitive reward rates, including 5X rewards on specific spending categories like departmental stores and groceries, and valuable welcome benefits such as complimentary FitPass Pro and potential Amazon Prime memberships. The card stands out with its travel perks, including domestic lounge access, and robust insurance coverage against accidental death. While it excels in these areas, general travel, movies, and dining benefits are not explicitly highlighted beyond lounge access. Overall, it's a highly recommended card for its target audience, providing substantial privileges and financial protection, making it a compelling option for those who meet the specific eligibility criteria. It is best suited for shopping.

Important Product Details

• Lifetime Free credit card with Nil Joining & Annual Fees.
• Exclusive card for Assam Rifles Personnel & Veterans.
• Welcome Benefits include 500 bonus Reward Points and a 6-month Fitpass Pro membership.
• Opportunity to earn a complimentary Amazon Prime membership on achieving spend milestones.
• High reward rate of up to 10 Reward Points for every ₹100 spent on departmental stores and groceries.
• Complimentary domestic airport lounge access (8 visits annually, with spend condition from Jan 2025).
• Comprehensive insurance cover of ₹20 Lakhs against personal accidental death.
• 1% fuel surcharge waiver with a monthly cap.
• Reward points can be redeemed as cashback at 1 RP = ₹0.25.
• Offers an interest-free credit period of up to 50 days.

Other Details

• Add-on Cards: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children (above age 18).
• Smart EMI Options: Convert purchases of greater than ₹2,500 on your card into Smart EMIs with flexible tenures ranging from 6 to 48 months.
• Interest Free Credit Facility: Avail up to 50 days of interest-free credit from the date of any purchase.
• Zero Liability on Lost Card: Report the loss of your card immediately to ensure zero liability on any fraudulent transactions made after reporting.
• Contactless Safe Payments: Your card is enabled with wireless chip technology for secure and faster payments in contactless mode.
• Application Process: The application process involves three simple digital steps: filling out an online application form, e-signing using Aadhaar, and verifying your identity via Video KYC. Offline application is also available by visiting a BOBCARD branch.