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

Community Verdict

[!NOTE] ⚠️ Status — Legacy (Not Currently Sourced): The Bobcard Infinite Credit Card is not listed in Bobcard’s active product catalog as of July 2026 (https://www.bobcard.co.in/credit-card-types). The official product URL (https://www.bobcard.co.in/bobcard-infinite-credit-card) returns a 404 “Sorry, this page does not exist”. The specifications below reflect the prior live product offering as documented in the internal card specification JSON (last verified July 2026). It was a Visa Infinite tier product with a ₹4,999 annual fee, 1 Reward Point per ₹150 across most retail spends (≈0.67% effective on statement credit), one domestic lounge visit per quarter (no spend gate specified in the internal spec), no Priority Pass, no travel insurance, no milestones, and a ₹99 fee charged on every statement credit redemption.

Pros

• Visa Infinite Privilege Layer: Visa Infinite network covers additional luxury hotel, dining and travel offers at participating merchants globally.
• Domestic Lounge Benefit: 1 complimentary domestic airport lounge visit per quarter (4 per year) — useful for occasional travellers.
• Worldwide Acceptance: Usable at any Visa-accepting merchant globally.
• 1% Fuel Surcharge Waiver: Applies on fuel transactions between ₹400 and ₹4,000.
• Fraud Liability Cover: ₹50,000 cover for unauthorized transactions.
• Emergency Card Replacement: Available for lost/stolen cards.
• Add-on Card at Nil: Free add-on cards for family members per internal spec.

Cons

• Card No Longer Being Sourced: Not listed on the current Bobcard product catalog (July 2026); official product URL returns 404. New applications are unlikely to be accepted today.
• Heavy Annual Fee ₹4,999: Premium fee without premium earn rate to justify it.
• No Annual Fee Waiver Specified: Internal spec has annual_fee_waiver.spend_threshold: null — fee waiver not documented.
• Very Low Base Reward Rate: 1 Reward Point per ₹150 ≈ 0.67% effective earn on statement credit after the ₹99 fee.
• Poor Statement Credit Value: ₹0.25 per Reward Point = ₹25 for every 100 RP earned.
• ₹99 Redemption Fee: Every redemption request costs ₹99 — erodes the already-thin earn.
• No Milestone Bonuses: No spend-tier vouchers or quarterly bonuses.
• No International Lounge / Priority Pass: Only 1 domestic visit per quarter; no Priority Pass membership.
• No Welcome Benefits: No joining vouchers, gift cards, or membership perks.
• Standard Reward Exclusions: Fuel, rent, wallet, and government transactions excluded from earning.
• High Forex Markup 3.5%: Not suitable for international spending (despite Visa Infinite status).
• No Travel Insurance: No air accident, baggage, or travel cover.

Reward Spends & Categories

Category Spend	Earning Rate / Reward Points
🛍️ All Eligible Retail (online + offline)	1 Reward Point per ₹150 (≈0.67%)
💰 Cash Withdrawal	0% (no points, plus cash withdrawal fee applies)
⛽ 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

Airport Lounge & Travel Perks

The Bobcard Infinite lists 1 domestic airport lounge visit per calendar quarter (4 per year) via the Visa Infinite domestic programme. No spend gate is specified in the internal spec — verify with Bobcard before travel. There is no international lounge access and no Priority Pass membership on the internal spec. No travel insurance, no air accident cover, no airport concierge, and no fast-track immigration. Fuel surcharge waiver (1% on ₹400–₹4,000) and emergency card replacement are the only ancillary travel-adjacent perks.

Fees & Charges — Snapshot

Fee / Charge	Amount
Joining Fee	₹4,999
Annual Fee	₹4,999
Renewal Fee	₹4,999
Annual Fee Waiver	Not specified in internal spec
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):

• Existing Bobcard relationship holders upgradable to a Visa Infinite tier
• Customers wanting occasional domestic lounge access from a public-sector card issuer

Skip if you:

• Want a card currently being sourced — the Bobcard Infinite is not on the live catalog
• Want stronger rewards and lounge benefits (BOBCARD Eterna, HDFC Infinia, Axis Atlas, Axis Magnus all out-earn this card)
• Plan to redeem points as cashback frequently — the ₹99 fee kills value
• Want international lounge access — this card has none
• Want travel insurance

Consider these alternatives if you want a current Visa Infinite from a major Indian issuer:

• BOBCARD Eterna — Reward Points + unlimited domestic lounge access + BOGO movies (currently listed on Bobcard catalog)
• HDFC Bank Infinia — Unlimited domestic + international lounge, 5 RP/₹150, fee waiver on ₹10L spend
• Axis Bank Atlas — 5 EDGE Miles per ₹100, lounge + airline/hotel transfers
• Axis Bank Magnus — 12,000 welcome points + 5X on travel
• SBI Card Prime — 5X Reward Points on dining, movies, groceries, utility + Priority Pass

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For historical specifications, see the Bobcard product catalog.

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