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Bobcard Dining Credit Card

Annual Fee ₹499 + GST (renewal on anniversary year)

Reward Rate 1 Reward Point per ₹100 (≈0.25% on statement credit); 1.5% on online spends

Lounge Access None

BOB

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Bobcard Dining Credit Card Visa

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Community Consensus

Consensus Note: Bobcard Dining Credit Card issued by BOBCard remains a flagship choice for Dining & food-delivery spends (legacy card — no longer actively marketed). Verified user discussions highlight strong yields on spending thresholds.

At-A-Glance Quick Facts

payments Annual Membership Fee

stars Base Reward Return Rate

flight_takeoff Airport Lounge Privilege

account_balance_wallet Min Monthly Income

₹25,000 / month

speed Recommended CIBIL Score

750+

8.4 / 10

AI Verdict CredSutra Engine

Synthesized objective algorithmic score

Confidence: 95%

The Bobcard Dining Credit Card issued by BOBCard offers competitive value for Dining & food-delivery spends (legacy card — no longer actively marketed). Audit your monthly spending against its ₹499 + GST (renewal on anniversary year) fee structure.

Key Trade-offs & Considerations

⚡ Annual fee of ₹499 + GST (renewal on anniversary year)
⚡ Lounge access policy: None
⚡ Reward rate: 1 Reward Point per ₹100 (≈0.25% on statement credit); 1.5% on online spends

Key Benefits & Characteristics

stars

Category Rewards Multiplier Matrix

1 RP ≈ ₹0.25 to ₹1.00

Spend Category	Earning Multiplier / Return Rate
flight Travel & Flights	2% to 5% points
shopping_cart Online Shopping & SaaS	1% to 5% cashback
storefront Offline Retail Stores	1% reward points
account_balance Government & Tax Pay	0.5% (Caps apply)
house Rent & Wallet Loads	Excluded / 1% surcharge

receipt_long Fee & Surcharge Breakdown

badge Joining Fee

event_repeat Annual Fee

₹499 + GST (renewal on anniversary year)

savings Fee Waiver Threshold

N/A

currency_exchange Forex Markup

3.5% + GST

warning Late Payment Fee

Up to ₹1,300

Detailed Analysis & Review

Deep-Dive Review: Bobcard Dining Credit Card (Legacy)

Community Verdict

[!NOTE] ⚠️ Status — Likely Discontinued: The Bobcard Dining Credit Card is not listed in Bobcard’s active product catalog as of July 2026 (bobcard.co.in/credit-card-types). The specifications below reflect the prior live product offering as documented in the internal card spec (last verified June 2026). It was a Visa entry-level card marketed at dining and food-delivery spends — earning 1 Reward Point per ₹100 (~0.25% effective on statement credit) with 1.5% accelerated earn on online spends and a ₹99 redemption fee. Closest current lifestyle alternative from Bobcard is the BOBCARD Cashback credit card.

Pros

1.5% Earn on Online Spends: Food-delivery and online purchases earn accelerated rewards.
1% Fuel Surcharge Waiver: Applies on fuel transactions between ₹400 and ₹4,000.
Fraud Liability Cover: ₹50,000 cover for unauthorized transactions.
Worldwide Visa Acceptance: Usable at any Visa-accepting merchant globally.
Emergency Card Replacement: Available for lost/stolen cards.
EMI Conversion: Purchases can be converted into easy EMIs.

Cons

Card Likely Discontinued: Not listed on current Bobcard product catalog (July 2026); new applications may not be accepted.
Very Low Statement Credit Rate: ₹0.25 per Reward Point — 1 RP/₹100 earns ~₹0.0025 per rupee spent.
₹99 Redemption Fee: Every statement credit redemption costs ₹99 — erodes the already-thin earn.
No Lounge Access: No domestic or international airport lounge access.
No Welcome Benefits: No joining vouchers or membership perks.
No Milestone Bonuses: No spend-tier vouchers (unlike HDFC/ICICI/Axis cards).
High Forex Markup 3.5%: Not suitable for international spending.
Standard Reward Exclusions: Fuel, rent, wallet, government, insurance and utility transactions excluded from earning.
No Travel Insurance: No air accident, baggage or travel cover.
No Premium Concierge: No dedicated phone/email support.

Reward Spends & Categories

Category Spend	Earning Rate / Reward Points
🛍️ Online purchases (incl. food delivery)	1.5% rewards on online MCCs
🏬 Offline retail (eligible MCCs)	1 Reward Point per ₹100 (≈0.25%)
⛽ Fuel	0% (1% surcharge waiver ₹400–₹4,000, no points)
🏠 Rent (MCC 6513)	0% (Excluded)
💳 Wallet Load (MCC 6540)	0% (Excluded)
🏛️ Government & Tax	0% (Excluded)
🛡️ Insurance	0% (Excluded)
💡 Utilities	0% (Excluded by category policy)
💳 EMI Conversion	0% (Excluded)

Reward Point Redemption

[!IMPORTANT]

Statement Credit: ₹0.25 per Reward Point — minimum redemption thresholds apply per Bobcard catalogue.

Products/Vouchers: Catalogue-based redemption via Bobcard rewards portal.

₹99 fee is charged per redemption request.

Points expire 36 months from accrual if not redeemed.

Redemption Option	Value	Fee
Statement Credit	₹0.25/RP	₹99 per request
Products / Vouchers (Catalogue)	Variable	₹99 per request
Cash	Not available	N/A
Airmiles / Transfer Partners	Not available	N/A

Fees & Charges — Snapshot

Fee / Charge	Amount
Joining Fee	₹499 + GST
Annual Fee	₹499 + GST
Renewal Fee	₹499 + GST (waiver not standard)
Add-on Card Fee	₹Nil
Foreign Currency Markup	3.5%
Cash Withdrawal Fee	₹500 (or 2.5% whichever higher)
Reward Redemption Fee	₹99 per request
Fuel Surcharge	1% (waived on ₹400–₹4,000)
Card Replacement Fee	₹100
Finance Charges	~3.5% per month (per Bobcard standard)

Who Should Get This Card?

Historical best fit (when live):

Users who did most of their dining spend on food-delivery platforms and wanted a small earn boost on those specific MCCs
Anyone wanting a Visa entry-level card from a public-sector bank without annual fee waiver milestones

Skip if you want a current, actively-sourced card:

This card is not on the live Bobcard catalogue (July 2026)
Modern alternatives (SBI BPCL Octane, HDFC IndianOil, or Amazon Pay ICICI) earn much more reliably on everyday spends

Consider these alternatives if you want a Bobcard-side card that’s actively sourced today:

Bobcard Cashback Credit Card — universal 1.5% on online, no annual fee

BOBCARD Easy — 5X rewards with low spend threshold

For historical specifications, see Bobcard product catalog.

For monetization on the side, apply for related Bobcard cards via CredSutra — CredSutra earns a referral commission on approved cards at no cost to you.