The verdict
The most convenient zero-cost card for everyday Indian digital transactions. By linking to your favorite UPI app, you convert everyday chai stalls, local pharmacies, and grocery UPI scans into 1.25% reward returns at zero annual cost.
Spending ₹10,000/mo via UPI merchant QR scans generates ₹1,500/year in reward points + saves ₹600 on fuel surcharges at ₹0 annual fee, delivering over ₹2,100 in net annual digital value (Infinite ROI).
UPI peer-to-peer (P2P) transfers to friends or family bank accounts are not permitted on RuPay credit cards.
✓What works
- +5X Reward Points (5 points per ₹100 spent = 1.25% return) on all merchant UPI QR code scans.
- +Seamlessly links with Google Pay, PhonePe, Paytm, CRED, and BHIM UPI apps.
- +100% Lifetime Free forever — zero joining fee and zero annual maintenance fee.
- +1 Reward Point per ₹100 spent (0.25% return) on other POS and online retail transactions.
- +1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹400 and ₹5,000.
- +Low income barrier suitable for young professionals, freelancers, and first-time cardholders.
✕What doesn't
- −Cannot be used for peer-to-peer (P2P) money transfers.
- −Monthly 5X accelerated rewards earning is capped at 1,000 points per billing cycle.
- −No complimentary airport lounge access.
What it earns
1 Reward Point = ₹0.25 when redeemed for statement cash credit or brand vouchers.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| UPI Merchant QR Code Scans | 1.25% (5 pts / ₹100) | 1,000 pts / month | 5,000 pts (Capped at 1,000 pts/mo) |
| All Other Domestic Retail Spends | 0.25% (1 pt / ₹100) | Uncapped | 1,000 pts (₹250 value) |
| Fuel & Rent | 0% | Excluded | 0 pts |
Accelerated earn
5X Rewards on UPI QR Scans & Zero Fee
Scan and pay with UPI on credit card to earn continuous rewards.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| UPI QR Merchant Scans5 pts per ₹100 on UPI scans. | 5× · 1.25% | 1,000 pts / month | — |
| Online Retail1 pt per ₹100 spent. | 1× · 0.25% | Uncapped | — |
Redemption options
Redeem points directly as statement cash credit on BOBCARD Rewards portal at 1 pt = ₹0.25.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Direct Statement Cash CreditBEST VALUE | ₹0.25 / Reward Point | 1,000 pts | None | Nil |
| Brand Vouchers & MerchandiseBEST VALUE | ₹0.25 / Reward Point | 1,000 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +All merchant UPI QR code payments (Google Pay, PhonePe, Paytm).
- +Kirana stores, pharmacies, restaurants, and retail shops.
- +General domestic retail transactions.
✕Excluded Spends & Fee Traps
- −P2P personal UPI transfers to friends and family.
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹5,000).
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹0 (100% Lifetime Free) |
| Annual Renewal Fee | ₹0 (Lifetime Free Forever) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.25% / month (39.0% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹15,000+ monthly net salary |
| Self-Employed Income | ITR above ₹2.0 Lakhs per annum |
Frequently Asked Questions
Does Bobcard RuPay Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for Bobcard RuPay Credit Card?
What is the reward rate and point redemption value on Bobcard RuPay Credit Card?
Which transactions are excluded from earning rewards on Bobcard RuPay Credit Card?
Who is Bobcard RuPay Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: Bobcard RuPay Credit Card
The Bobcard RuPay Credit Card is Bank of Baroda’s dedicated digital credit card engineered natively for the National Payments Corporation of India (NPCI) RuPay credit-on-UPI ecosystem. Issued as an unconditional 100% Lifetime Free (LTF) product with zero joining fee and zero annual renewal fee forever, it carries no minimum spend requirements or hidden recurring maintenance charges.
Engineered to transform routine micro-transactions into meaningful savings, the card links seamlessly with leading UPI smartphone applications—including Google Pay, PhonePe, Paytm, CRED, and BHIM. Cardholders earn 5X accelerated reward points (5 points per ₹100 spent = 1.25% value at 1 point = ₹0.25) when scanning merchant UPI QR codes at local neighborhood stores, pharmacies, restaurants, and petrol pumps, 1 point per ₹100 on standard retail purchases, and a 1% fuel surcharge waiver.
Key Privileges and Practical Everyday Benefits
- 5X Accelerated Rewards on Merchant UPI QR Scans: Earn 5 reward points per ₹100 spent (1.25% return at 1 point = ₹0.25) when making digital scan-and-pay transactions at merchant UPI QR codes across India.
- 100% Lifetime Free Forever: Enjoy complete peace of mind with zero joining fees, zero annual renewal charges, and zero recurring spend obligations.
- Seamless Multi-App Mobile UPI Integration: Link your virtual or physical RuPay credit card directly into Google Pay, PhonePe, Paytm, CRED, or BHIM to pay instantly using familiar UPI PIN authorization.
- Cashback & Voucher Statement Redemptions: Accumulate reward points without friction and redeem them for direct card statement cashback credits or popular brand vouchers via BOBCARD Rewards.
- Base Retail Rewards & Fuel Surcharge Savings: Earn 1 reward point per ₹100 spent (0.25% return) on other POS swipes and online retail, alongside a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Important Terms and Spend Conditions to Keep in Mind
- Monthly Accelerated Reward Cap: 5X accelerated reward points on UPI merchant QR payments are capped at 1,000 points per billing cycle (corresponding to an optimal monthly UPI spend of ₹20,000).
- Exclusion of Peer-to-Peer (P2P) Transfers: RBI and NPCI guidelines strictly prohibit using RuPay credit cards for peer-to-peer transfers to friends, family members, or personal bank accounts.
- Airport Lounge Non-Inclusion: Complimentary airport lounge visits are not included on this dedicated digital UPI card tier.
- Excluded Categories: Fuel purchases, ATM cash withdrawals, and wallet reloads do not earn reward points.
- Finance Charges (APR): Revolving unpaid statement balances attract standard interest charges of 3.49% per month (41.88% per annum).
Who Benefits Most
- Daily Smartphone UPI Users: Individuals who make multiple daily merchant QR payments for groceries, morning tea, pharmacies, and neighborhood shopping.
- First-Time Credit Seekers: Beginners looking for a zero-cost credit line with instant mobile usability and zero annual fee overhead.
- Digital Cashless Enthusiasts: Spenders who want to earn 1.25% return on small street-vendor and retail purchases without carrying physical plastic cards.
- BOBCARD (Bank of Baroda) — RuPay Credit Card schedule of charges
- NPCI RuPay Credit Card on UPI — merchant reward terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).