SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online, dining, and utility bills.
Why it can work
It combines accelerated rewards on dining, utility bills, and online spends and milestone rewards.
Where value may drop
The renewal fee is waived only on Rs 70,000 of annual spend. Fuel don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 8,182 |
| Dining & food delivery | Rs 4,000 | 2,182 |
| Utility bills | Rs 3,000 | 1,636 |
| Other spends | Rs 8,000 | 960 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Dining, Utility Bills, And Online Spends
5 Reward Points / Rs 100
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Dining, utility bills, and online spends | 5 Reward Points / Rs 100 | 1,000 reward points |
| Other eligible spends | 1 Reward Point / Rs 100 | - |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- fuel transactions do not earn reward points
- accelerated reward points are subject to monthly cap
- taxes and charges excluded as per BOBCARD terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Up to 3 lifetime free add-on cards
- Personal accidental death cover
Eligibility
Check this before you apply.
Salaried
- Current official product page does not publish a detailed salaried eligibility grid
- Approval remains subject to BOBCARD credit assessment
- Resident Indian applicants can proceed through the official application flow
Self-employed
- Current official product page does not publish a detailed self-employed eligibility grid
- Approval remains subject to BOBCARD credit assessment
- Resident Indian applicants can proceed through the official application flow
Compare before you decide
Alternatives based on what you might want instead.