BoB Premier Credit Card Review

BoB Premier Credit Card


Joining Fee: Rs 1000+GST
Annual Fee: Rs 1000+GST




0.5% to 2.5%




Visa, Rupay


Domestic Airport Lounge Access, Fuel Surcharge Waiver

BoB Premier credit card is one of the popular RuPay credit cards from BoB Financial. While it is not as rewarding as the top most offering Eterna, the Premier credit card has its sweet spots. The BoB Premier credit card comes at a joining and annual fee of Rs 1000 plus GST. BoB also runs LTF offers from time to time for this credit card. The card offers accelerated rewards on dining and international transactions and can also be used for RuPay on UPI spends. Here is a complete review of the BoB Premier credit card with its features and benefits.


Joining FeeRs 1000+GST ~Rs 1180
Joining Fee WaiverSpend Rs 10000 within 60 days
Annual FeeRs 1000+GST ~Rs 1180
Annual Fee WaiverSpend Rs 1.2 Lakh in a year
BoB Premier Credit Card Review: Fees


Spend CategoryRewards
Travel, Dining, and International Transactions10 RP/Rs 100 ~2.5% return
Special MCCs1 RP/Rs 100 ~0.25% return
Other Spends2 RP/Rs 100 ~0.5% return
BoB Premier Credit Card Review: Rewards

The accelerated reward points for travel, dining, and international transactions are capped at 2000 per month. So, we will hit these with Rs 20000 worth of spending in a calendar month. The special MCCs where we get lesser reward points include some high-spending categories like Rent, Insurance, Utilities, and Government Transactions. The below screenshot has the complete list.

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BoB Premier Special MCCs for reduced rewards

Rewards on UPI Spends

Spend CategoryRewards
Special MCCs1 RP/Rs 100 ~0.25% return
Other Spends2 RP/Rs 100 ~0.5% return
BoB Premier Credit Card Review: UPI Transaction Rewards

Complimentary Airport Lounge Access

The Rupay variant of BoB Premier has an edge here. Only the BoB Premier Rupay variant gets complimentary visits to international airport lounges. All thanks to it being on the JCB Rupay platform. So, get the BoB Premier JCB Rupay variant instead of Visa.

Complimentary Domestic Airport Lounge Visits1 per quarter
Complimentary International Airport Lounge Visits4 per year
BoB Premier Credit Card Review: Airport Lounge Access

Other Relevant Points

  • Foreign Currency Transactions Markup: 3.5% plus GST
  • Charges on Rent Payment: 1% of the amount plus GST
  • Fuel Surcharge Waiver: 1% on transactions between Rs 400 and Rs 5000 (Max Rs 250 per statement cycle)

Should you get the BoB Premier credit card?

BoB Premier is a good card for the 2.5% value back on travel, dining, and international transactions. But, the 0.5% value on other categories is a bit too less. We have many good entry-level credit cards in the market now. It was a good card to grab with the LTF offer that was going on in 2023. But with the annual fee back on the card, we find it hard to recommend getting this card. But, if the LTF offer comes back at some point in time then go for it.

  • It will let you help you in availing the BoB merchant offers online to get 10% instant discount
  • BoB Premier RuPay variant will get you international airport lounge access

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13 thoughts on “BoB Premier Credit Card Review”

  1. HI, do the exclusion list for BOB cards to earn reward points apply to UPI payments too?

  2. Tried to apply using the link getting message as “INSUFFICIENT_PERMISSIONINSUFFICIENT_PERMISSION”. Please update the correct link. Thank you.

  3. Can we switch to Eterna from premier ?
    I received the bob premier card today. I wanted to know i can get Eterna instead of Premier. Is there way i can get eterna now , i am eligible as per their income requirement

    also do we get 2.5% on wallet load or just 0.5%?

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