Deep-Dive Review: Bobcard Shopping Credit Card (Discontinued)

[!WARNING] This card is no longer available for new applications. The official product URL (bobcard.co.in/bobcard-shopping-credit-card) returns 404 as of July 2026. Existing cardholders continue to earn rewards per the legacy terms. The closest live replacement is Bobcard Easy, which has the shopping-focused 5X rewards structure this card was meant to provide.

Community Verdict

[!NOTE] The Bobcard Shopping Credit Card was positioned as a lifetime-free Visa for online shoppers, but in practice its rewards structure was identical to the legacy Bobcard Rewards card: 1 RP per ₹100 on every eligible category, with no accelerated rewards on any specific shopping MCC (despite the “Shopping” name). Cashback was at ₹0.25/RP with a ₹99 redemption fee. In effect, it offered no special shopping benefit beyond the standard lifetime-free BOBCARD feature set — which is likely why it was discontinued. New applicants looking for a real shopping-focused card from BOBCARD should pick Bobcard Easy (5X on Departmental Stores + Movies, ₹500 fee with easy waivers).

Pros

• Lifetime Free: ₹0 joining fee, ₹0 annual fee, ₹0 renewal fee.
• 3 Lifetime Free Add-on Cards: Issue add-on cards to spouse, parents, siblings, or kids (above 18) at no extra cost.
• 1% Fuel Surcharge Waiver: Save 1% on fuel transactions between ₹400 and ₹4,000. No reward points earned on fuel.
• Zero Liability on Lost Card: Report loss immediately and you’re protected from fraudulent transactions.
• Smart EMI Option: Convert purchases above ₹2,500 into EMIs of 6 to 48 months.
• Contactless Safe Payments: Tap-to-pay enabled for transactions up to ₹5,000 without a PIN.
• Standard 36-Month Point Validity: Reward points expire 36 months from accrual if not redeemed (per BOBCARD MITC).
• No Annual Spend Hurdle: Lifetime-free structure — no fee waiver to chase.
• Standard BOBCARD Stack: Same free add-on, zero-liability, contactless, and EMI benefits as the rest of BOBCARD’s lifetime-free lineup.

Cons

• DISCONTINUED — Not Accepting New Applications: The official product URL returns 404 on bobcard.co.in as of July 2026. New applicants must pick a different card.
• No Shopping-Specific Rewards Despite the Name: The card earned 1 RP per ₹100 on every category — identical to Bobcard Rewards. There was no 5X or 10X on online/flipkart/amazon style spends, despite the “Shopping” positioning.
• ₹99 Redemption Fee: Every cashback statement credit request carries a flat ₹99 fee.
• Low Point Value (₹0.25/RP): At 1 RP per ₹100 and ₹0.25/RP, your effective return on spending is ~0.25% before fees.
• No Lounge Access: No domestic airport lounge access, no international Priority Pass, no travel insurance.
• No Accelerated Rewards: No 5X or 10X on any category — every eligible swipe earns at the base 1 RP per ₹100.
• Standard Reward Exclusions: Fuel, rent (MCC 6513), wallet loads, government payments, and select MCCs (per BOBCARD policy) earn zero reward points.
• 3.5% Forex Markup: High foreign currency markup makes this card unsuitable for international spending.
• ₹500 Cash Withdrawal Fee: Standard BOBCARD cash advance fee applies — avoid cash withdrawals on this card.
• No Airmiles Transfer: Reward points cannot be transferred to airline or hotel partners — cashback is the only meaningful channel.
• No Premium Concierge or Dedicated Support: Standard BOBCARD customer service only.

Reward Spends & Categories

Category Spend	Earning Rate / Reward Points
🛍️ Online Shopping	1 Reward Point per ₹100 (≈1% gross)
🛒 Offline / Departmental Retail	1 Reward Point per ₹100 (≈1% gross)
✈️ Flights & Hotels	1 Reward Point per ₹100
💡 Utilities	1 Reward Point per ₹100 (per BOBCARD standard; check MITC for category-specific treatment)
🎓 Education	0% (Excluded per BOBCARD policy)
🏛️ Government & Tax Payments	0% (Excluded)
🏠 Rent (MCC 6513)	0% (Excluded)
⛽ Fuel	0% (1% surcharge waiver ₹400–₹4,000, no points)
💳 Wallet Load (MCC 6540)	0% (Excluded)
🛡️ Insurance	0% (Excluded per BOBCARD standard)
💳 EMI Conversion	0% (Excluded — paid via Smart EMI is not earn-eligible)
💰 Cash Withdrawal	0% (no points, plus cash withdrawal fee applies)

[!IMPORTANT] Despite the “Shopping” card name, no category earned above the base 1 RP per ₹100 rate. The card was effectively identical to Bobcard Rewards in earning structure — the only differentiation was the marketing positioning. This is the most likely reason BOBCARD discontinued it and replaced it with Bobcard Easy, which actually delivers 5X on Departmental Stores + Movies.

Reward Point Redemption

[!IMPORTANT]

• Cashback (Statement Credit): 1 Reward Point = ₹0.25 — but a flat ₹99 fee is charged on every redemption request.
• No airmiles / hotel transfer — cashback is the only meaningful channel.
• Points expire 36 months from accrual if not redeemed.

Redemption Option	Value	Fee
Cashback (Statement Credit)	₹0.25/RP	₹99 per request
Catalog Vouchers / Products	Variable (typically ≤₹0.25/RP)	Per redemption request
Airmiles / Transfer Partners	Not available	N/A

[!TIP] Because of the ₹99 fee, only redeem in single large batches (₹2,000+ of cashback at a time) to keep the fee-to-value ratio reasonable.

Milestone Benefits

This card has no milestone vouchers. The only milestone was the lifetime-free structure itself — no fee to chase.

Milestone	Period	Benefit
—	—	No fee, no milestones. Lifetime-free structure.

Airport Lounge & Travel Perks

This card offers: None. No domestic airport lounge access, no international Priority Pass, no travel insurance, no air-miles transfer. If lounge access is a priority, look at Bobcard Easy or HDFC Millennia.

Insurance Coverage

Cover	Amount
Air Accident (Personal Accident)	Not offered
Non-Air Personal Accident	Not offered
Fraud Liability (lost/stolen card)	₹50,000
Travel Insurance	Not offered
Baggage / Flight Delay	Not offered
Purchase Protection / Extended Warranty	Not offered

Fees & Charges — Snapshot

Fee / Charge	Amount
Joining Fee	₹Nil (lifetime free)
Annual Fee	₹Nil (lifetime free)
Renewal Fee	₹Nil (lifetime free)
Add-on Card Fee	₹Nil (up to 3 lifetime free)
Foreign Currency Markup	3.5%
Cash Withdrawal Fee	₹500 (or 2.5%, whichever is higher)
Reward Redemption Fee (cashback)	₹99 per request
Reward Redemption Fee (catalog)	Per BOBCARD standard
Fuel Surcharge	1% (waived on ₹400–₹4,000)
Card Replacement Fee	₹100
Finance Charges	~3.5% per month (per BOBCARD standard MITC)

What Replaces This Card?

The closest current BOBCARD product with a real shopping focus is Bobcard Easy:

• ₹500 joining + annual fee (waivable on milestones)
• 5X rewards (5 RP per ₹100) on Departmental Stores + Movies, capped at 1,000 RP/statement cycle
• 1 RP per ₹100 on all other categories
• Cashback at ₹0.20/RP with no redemption fee
• 1% fuel surcharge waiver (₹400–₹5,000, max ₹250/cycle)
• 500 RP welcome bonus on ₹5,000 spend in 60 days

Stronger alternatives if you want shopping rewards:

• Amazon Pay ICICI Credit Card — Lifetime free, 5% back for Prime members on Amazon, 3% on Amazon Pay merchants, 1% elsewhere. No redemption fees.
• Flipkart Axis Bank Credit Card — Lifetime free, 5% unlimited cashback on Flipkart/Myntra/Cleartrip.
• HDFC Bank Millennia Credit Card — 5% cashback on Amazon/Flipkart/Myntra + 1% offline + quarterly lounge access.
• Axis Bank ACE Credit Card — Lifetime free, 5% cashback on bill payments via Google Pay + 2% on others (no cap).

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For official terms, see the BOBCARD legacy product reference (currently 404 — verified July 2026) and the BOBCARD MITC.

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