What is the SELECT Credit Card?

BOBCARD SELECT is a specially designed card to offer extra rewards on your online and dining spends, offering value-added benefits for everyday spending.

What are the key features of the SELECT Credit Card?

5X rewards on online and dining spends. Welcome rewards of 500 points on spends above ₹5,000 in the first 60 days. Joining and annual fee reversal on achieving milestone spends. 1% fuel surcharge waiver. Smart EMI benefits with tenures ranging from 6 to 48 months. Up to 3 lifetime free add-on cards for family. Accidental insurance protection: ₹15 lacs (Air) and ₹5 lacs (Non-Air). Contactless payment enabled i.e. No PIN required for spends upto Rs 5000 at retail merchants.

How does the SELECT Credit Card compare to other credit cards on the market?

It stands out with 5X rewards on dining and online spends, cashback options, Smart EMI benefit, and fuel surcharge waiver, along with discounted deals on our partner brands.

What benefits can I expect when I apply for the SELECT Credit Card?

Accelerated rewards on card spends, cashback, milestone-based fee reversals, and discounted deals on top brands like Amazon, Flipkart, Myntra, MMT, etc.

Are there any annual fees associated with the SELECT Credit Card?

Yes, the annual fee for BOBCARD SELECT is ₹750. However, this fee can be waived upon spending ₹70,000 or more in every card anniversary year.

What types of rewards can I earn with the Select Credit Card?

Earn 5X rewards on dining and online spends, along with standard reward points for other categories.

How can I maximize the benefits of my Select Credit Card?

Use it for dining and online transactions to earn 5X rewards. Spend ₹5,000 within the first 60 days to earn welcome rewards of 500 reward points. Leverage Smart EMI for planned purchases affordably

Can I get cashback with the SELECT Credit Card?

Yes, reward points can be redeemed as cashback for eligible transactions.

What interest rates apply to the SELECT Credit Card

Interest rates depend on spending and repayment behaviour and can be reviewed here https://www.bobcard.co.in/most-important-terms-and-condition/bobcard-mitc

Are there any introductory offers for new SELECT Credit Card holders?

Yes, new users can earn 500 reward points on spending ₹5,000 within the first 60 days.

How do I manage my SELECT Credit Card account online?

Manage your account seamlessly through the BOBCARD mobile app or our online portal. View transactions, pay bills, redeem rewards, & much more.

What should I do if I encounter issues with my SELECT Credit Card?

Immediately contact our 24*7 customer helpline nos. 1800 266 5100/7100 or write to us at crm@bobcard.co.in. You can also request support through our BOBCARD app or our social channels.

Are there specific eligibility requirements for applying for the SELECT Credit Card?

Please refer to "Application Guidelines" section on this page to know your eligibility requirements.

Where can I find more information about the SELECT Credit Card and its features?

All product details are covered on this page. Scroll to the top for an overview. For specific queries, please reach out to our customer support channels.

Credit Cards

Mass-MarketMidVisa

BOBCARD SELECT

Everyday rewards with conditional fee waiver

Annual fee₹750Waived on ₹0.7L spend

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%Yes, standard charges apply for international transactions.

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Welcome benefits

worth ₹100

500 reward points on spends of ₹5000 within 60 days

Type: Reward Points
Trigger: Spend ₹5,000 within 60 days

Rewards

Base earn rate

1 Reward Point per ₹100 spent on all other categories

Excludes: Fuel

Category	Rate	Cap
Online Shopping	—	—
Dining	—	—

Milestone benefits

Spend Rs 7500 in the first 60 days and get your joining fee waived off. Spend ₹70,000 in every card anniversary year and get your annual fee waived off. First year fee will levied in the 3rd bill statement from the card issuance month, provided Spends milestone criteria not met. First year fee waiver and annual fee reversal is applicable only to non-delinquent credit cardholders

Fees & charges

Joining fee: ₹750
Annual / renewal fee: ₹750
Annual fee waiver: Spend ₹70,000 in every card anniversary year and get your annual fee waived off. Spend ₹7500 in the first 60 days and get your joining fee waived off
Add-on card fee: lifetime free
Interest rate: Interest rates depend on spending and repayment behaviour and can be reviewed here https://www.bobcard.co.in/most-important-terms-and-condition/bobcard-mitc
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: Yes, standard charges apply for international transactions.
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

View official MITC →

Insurance covers

Air accident

₹15L

₹15 Lakhs

Credit liability

₹5L

Eligibility

Income (salaried): Net Annual Income >₹4.8 Lakh
Income (self-employed): ₹4.8L/year
Age: 25–55 years

Employment types

SalariedSelf-Employed

Required documents

Recent Passport size photograph (with clear / white background & without dark / tinted glass)
PAN Card
Aadhaar Card (both side)
Voter ID Card issued by election commission of India
Passport
Driving Licence
Job Card issued by NREGA duly signed by an officer of the State Government
Letter issued by the National Population Register containing details of the name & address
Bank Statement reflecting salary credit for last 2 months (Salaried)
Salary Slips, if submitted, to be accompanied with bank statement (Salaried)
Bank Statement (pdf file format) reflecting business transactions for last 3 months (Self-Employed)

Features

✓ Contactless✓ International usage

Additional features

Contactless payment enabled i.e. No PIN required for spends upto Rs 5000 at retail merchants
Your card is enabled with a wireless chip technology for secure & faster payments in contactless mode

No rewards on

Fuel · Select MCCs

Card management via BOBCARD mobile app.