BOB Financial (BOBCARD) Credit Cards 2025
Explore all credit cards from BOB Financial (BOBCARD). 4 cards ranked by our experts.
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Best for: App-first users, cashback seekers, metal card lovers
BOB Financial OneCard
APPLY NOW
on BOB Financial (BOBCARD)'s website
Annual fee
FREE
Rewards rate
₹1.00 - ₹5.00/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
2.00%
Categories Cashback, Fintech, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- Metal card design
- 1-5% category-based cashback
- App-based instant approval
- Low forex markup of 2%
- EMI conversion at 0% interest
- Virtual card available instantly
- Dynamic credit limit
Cons
- No airport lounge access
- No reward points (only cashback)
- Limited to OneCard app ecosystem
- No add-on cards available
- Cashback may have caps
Best for: Online shoppers who make at least 4 transactions per month
Cashback
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on BOB Financial (BOBCARD)'s website
Annual fee
₹499
Rewards rate
₹1.00 - ₹5.00/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Cashback, Entry Level, Fuel, Shopping
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹100000
- Direct cashback instead of points - no redemption hassle
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: First-time users, those with no credit history, or anyone wanting a guaranteed approval card
Prime
APPLY NOW
on BOB Financial (BOBCARD)'s website
Annual fee
FREE
Rewards rate
₹0.25/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Fuel, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best for: ICMAI members, Cost Accountants, finance professionals
CMA One Credit Card
APPLY NOW
on BOB Financial (BOBCARD)'s website
Annual fee
₹500
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Co-Branded, Professional
CardNitty's take
Pros
- Designed for ICMAI (Cost Accountants) members
- 2x rewards on professional services
- Low annual fee of Rs.500
- Fee waiver on Rs.75K annual spend
- Professional networking benefits
- Rs.2 lakh personal accident insurance
Cons
- Limited to ICMAI members
- Basic reward rate on general spends
- No lounge access
- 3.5% forex markup
- High APR of 42%
About BOB Financial (BOBCARD)
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