BOBCARD Premier Credit Card VS BOBCARD Easy Credit Card VS BOBCARD Sentinel Credit Card VS BOBCARD ICSI Diamond Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
BOBCARD Premier Credit Card
BOBCARD Easy Credit Card
BOBCARD Sentinel Credit Card
BOBCARD ICSI Diamond Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Currently available as a lifetime free credit card (limited-time offer) with a decent reward rate.
Offers free domestic airport lounge access across the country.
Provides 5X reward points on travel, dining, and international spending.
Beneficial for taking advantage of various BOBCARD Credit Card offers.
Includes a fee waiver on milestone spends for the paid version.
Pros
Key benefits and features.
Lifetime free joining and annual fees under limited-time offer or spend-based waivers.
High 5X reward rate on common spending categories like movies, groceries, and departmental stores.
Base reward points on all other categories and UPI spends, enhancing everyday value.
Zero liability protection for lost cards provides security and peace of mind.
Option to convert large purchases into EMIs and get free add-on cards for family.
Pros
Key benefits and features.
Lifetime free card with zero joining and annual fees offers great accessibility.
High reward rate of up to 10X on groceries and departmental store purchases.
Valuable travel benefits include 8 complimentary domestic airport lounge accesses annually.
Comprehensive insurance cover of ₹20 lakhs for personal accidental death provides security.
Welcome benefits like FitPass Pro, Zomato Pro, and bonus R.P. add significant initial value.
Pros
Key benefits and features.
Lifetime free card with zero joining and annual fees, offering great value.
Accelerated 5x Reward Points on dining, online, and utility bill payments.
Enjoy 12 complimentary domestic airport lounge accesses annually for travel convenience.
Reduced foreign currency markup of 2% makes international transactions more affordable.
Comprehensive insurance coverage provides financial security for cardholders.
Cons
Key drawbacks and limitations.
High 3.5% foreign currency markup fee, despite accelerated international spend rewards.
Accelerated 5X Reward Points are capped at 2,000 points per month in specific categories.
Complimentary lounge access will become conditional on minimum spends from January 1, 2025.
Cons
Key drawbacks and limitations.
The 5X reward points are capped at 1000 Reward Points per statement cycle on accelerated categories.
No specific travel benefits are provided with this card, limiting its utility for travelers.
High foreign currency markup of 3.5% makes international spends expensive.
High interest rates of 3.75% per month on overdue amounts can be a significant drawback.
Cons
Key drawbacks and limitations.
Eligibility is strictly restricted to Assam Rifles personnel and veterans only.
Lounge access becomes spend-based from Jan 2025, requiring ₹20k spend per quarter.
Foreign currency markup of 3.5% is relatively high for international transactions.
Reward points are capped at 1000 for accelerated categories monthly, limiting high earners.
Fuel transactions and select MCCs are excluded from earning any reward points.
Cons
Key drawbacks and limitations.
5x accelerated rewards are capped at 1000 Reward Points per statement cycle.
Complimentary lounge access will become spend-based from January 1, 2025.
No Reward Points are earned on fuel transactions, limiting benefits in this category.
UPI transactions only earn core Reward Points, missing out on bonus rewards.
Card is exclusively available only for active members of The Institute of Company Secretaries of India.