Is the BOBCARD Select Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Dining card
- Needs ₹40,000 a month income
- ₹885 fee a year (with GST)
- Fee waived from ₹5,833 a month
- 0.2% base, up to 1% on dining
- Pays in reward points
- online shopping: 1% back, up to ₹200 a month
- dining: 1% back, up to ₹200 a month
- spending ₹5,833 or more a month: the ₹885 fee is waived
- you spend less than ₹5,833 a month (₹70,000 a year, rent and wallet loads not counted): the ₹885 fee is then charged
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on online shopping or dining: the 1% rate applies only there, everything else earns 0.2%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 1 reward point per ₹100 (~0.2% at ₹0.20/point) on other spends, the same base rate as the cheaper BOBCARD Easy
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 1% | ₹200, shared with other bonus rates | All merchants in the categoryTerms: 5X, 5 reward points per ₹100 (~1% at ₹0.20/point) on online spends. Capped at 1,000 points per cycle, SHARED with dining. UPI and utility (MCC 4900) spends are excluded from the 5X rate | - |
| Dining and food delivery | 1% | ₹200, shared with other bonus rates | All merchants in the categoryTerms: 5X, 5 reward points per ₹100 (~1% at ₹0.20/point) on dining (MCC 5812). The 5X earn is capped at 1,000 points per statement cycle, SHARED with online; beyond that, spends earn the 1 RP/₹100 base | - |
| Groceries | 0.2% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 0.2% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.2% | No cap | The card's normal rate | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | Earns nothing | - | earns nothing on this card | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| Spend abroad or in a foreign currency | 0.2% | No cap | The card's normal rate | - |
| Everything else | 0.2% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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