BOBCARD credit cards: fees, rewards and eligibility compared
Truely Money lists 4 BOBCARD credit cards, including BOBCARD Aspire, BOBCARD Easy, Nainital Bank Renaissance Credit Card and Uni GoldX Credit Card.
Cards from the same bank can look alike but differ in what they reward. Compare each BOBCARD card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.
The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.
BOBCARD credit cards and their terms
- BOBCARD Aspire: no joining fee · no annual fee. Card does not exist in BOBCARD's current portfolio.
- BOBCARD Easy: joining fee ₹500 · annual fee ₹500, waived on ₹35,000 yearly spend · base reward 0.2% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 700+. An entry-level, UPI-enabled rewards credit card offering accelerated points on groceries and movies. Perks: 1% fuel surcharge waiver (up to ₹250 per month); 0.5% cashback on prompt credit card bill payments; Up to 3 lifetime free add-on cards for family members.
- Nainital Bank Renaissance Credit Card (BOBCARD): no joining fee · annual fee ₹250, waived on ₹25,000 yearly spend · base reward 0.25% of spend · forex markup 3.39%. An entry-level co-branded RuPay card offering 5X rewards on groceries and movies, with UPI payment compatibility. Perks: 5X Rewards on Departmental Stores and Movies.; 1% fuel surcharge waiver up to ₹250 per month.; Up to 3 lifetime free add-on cards for family members..
- Uni GoldX Credit Card (BOBCARD): no joining fee · no annual fee · base reward 1% of spend · income guide ₹3,00,000 a year. A lifetime-free, dual-network credit card that rewards your everyday and UPI spends with 24K digital gold and charges zero forex markup. Perks: Zero foreign exchange markup on international transactions; Earn rewards directly as 24K Digital Gold; 1% fuel surcharge waiver (up to ₹500/month).
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