BoB Premier Credit Card is one of the most popular offerings from BoB Financial (now branded as BOBCARD). Positioned as a mid-range travel and lifestyle card, it sits comfortably between the entry-level Easy card and the premium Eterna card.
While it doesn’t match the high reward rate of the BoB Eterna, the Premier card hits a “sweet spot” for users looking for a low-fee card with UPI capabilities, BoB offers and lounge access.
Below is a comprehensive review of the BoB Premier Credit Card, including its features, fees, and why the RuPay variant is the one to pick.
Fees
Rewards
Kiwi RuPay Card
Lifetime FreeComplimentary Airport Lounge Access
The BoB Premier Credit Card offers lounge benefits for domestic travellers. However, please note the new spending criteria for domestic access introduced in 2025.
BOBCARD has revised its domestic lounge access program. To avail of complimentary visits, cardholders must now meet a quarterly spending milestone.
- Complimentary Visits: 1 per Calendar Quarter (4 per year).
- Spend Requirement: You must spend a minimum of ₹20,000 in the preceding calendar quarter to unlock access for the current quarter.
Example: To access a lounge in the April-June quarter, you must have spent at least ₹20,000 between January and March.
New Cardholders: If you have just received your card, the minimum spend criteria is waived for the quarter of issuance.
Eligible Lounges: The updated list includes major lounges like the 080 Lounge (Bengaluru), Encalm Lounge (Delhi), Adani Lounge (Mumbai), and others across cities like Chennai, Hyderabad, and Kolkata.
Download the Official Lounge List & Policy Update PDF
BoB Eterna
Lifetime FreeOther Key Features
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5000 (Max waiver: ₹250 per cycle).
- Forex Markup: 3.5% + GST (Standard for mid-range cards).
- Merchant Offers: Access to 10% instant discount offers during sales on Amazon, Flipkart, and other major e-commerce sites.
Final Verdict: Should You Apply?
The BoB Premier Credit Card is a solid contender if you are looking for a secondary credit card to handle UPI transactions and occasional travel.
✅ Apply if:
- You specifically want a RuPay Credit Card for UPI payments.
- You can grab it under the Lifetime Free (LTF) offer.
❌ Skip if:
- You are a high spender (over ₹20k/month on dining/travel). The low monthly cap on accelerated rewards will limit your returns.
- You want high rewards on all categories. The base rate of 0.5% is lower than market standards (like SBI Cashback or Axis Ace).
Current Status: If you see the Lifetime Free offer, grab it immediately.
Bank of Baroda Premier Credit Card
HI, do the exclusion list for BOB cards to earn reward points apply to UPI payments too?
Just updated the post with UPI reward rates. It is different.
Does it give any rewards on UPI payments?
Yes, it does. The standard reward rates apply.
Is bob premier credit card is life time free or any annual charges are there?
LTF offer is not available as of now.
Hi,
There are no Complimentary International Airport Lounge Visits in this card.
It is available only for the Rupay JCB variant
Is bob still offering Premier card on ltf basis or on spend based?
It is still being offered LTF.
Tried to apply using the link getting message as “INSUFFICIENT_PERMISSIONINSUFFICIENT_PERMISSION”. Please update the correct link. Thank you.
Please try now. I have replaced the link.
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%?