BOB Premier Credit Card
BOB · Premium · Visa
Annual Fee
₹999
Fee Waiver
₹2L annual spend
Lounge Access
4/year
Best Rate
1%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
1%
✈️Travel
1%
🛒Online Shopping
1%
🥦Groceries
1%
🎬Entertainment
1%
🛍️Shopping
1%
💡Utilities
0.5%
⛽Fuel
0%
How Points Work
4 pts/₹100 on select categories (~1%), 2 pts other (~0.5%) · 5,000 welcome points
Key Benefits
1% on broad categories4 lounge visits/yr5,000 welcome points
PROS
✅ Decent all-round rate
✅ Good lounge access for the fee
✅ Generous welcome benefit
CONS
⚠️ Limited partner ecosystem
⚠️ BOB app not great
⚠️ 0.5% on utilities/general
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