BOB PREMIER CREDIT CARD

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5X i.e. 10 Reward Points for every Rs. 100 spent on Travel, Dining and Abroad (International spends)
2 Reward Points for every Rs. 100 spent on other categories
1 Reward Point for every Rs. 100 spent on Select MCCs
1 Complimentary Airport Lounge Visit every calendar quarter
Fuel Surcharge Waiver
Zero annual fees basis card usage
Pay safely with Contactless Cards. Know More.

Key Features:

✓ Fuel Surcharge Waiver

✓ Easy EMI option

✓ Multiple redemption options

*Product features and Specifications are subject to change as per company policy.

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Top-Notch Credit Cards

Why to get confused with multiple opinions for multiple credit card options available at different websites? We are here to help you with all the useful information just at the flick of a click. Be it about best credit card, no joining fee credit card, cash-back card or reward points credit card; we will guide you to choose the best suited credit cards according to your requirements.

Frequently Asked Questions (FAQs)

WHAT IS A CREDIT CARD?

A credit card is the key to accomplish your diverse needs without instant cash involvement. A credit card is a plastic card meant to purchase something without any cash right from the beginning of its use. The credit card issuer bank lends a certain amount of money in the form of that card for you to use. The only thing is that you need to pay the amount back within a set time duration along with the applicable interest and GST charges. The bank prepares your credit card statement giving the transaction history and due amount break-up. To keep yourself away from extra fees and penalties, you need to pay the outstanding amount within the due date mentioned in the statement. A credit card can be used for both online and offline purposes.

APPLYING FOR A CREDIT CARD?

Credit card application process is not only easy but fast too. You just need to meet the eligibility criteria and fill in few details. Steps to apply for a credit card: Login to the official website of your desired bank. Fill in your correct details (as asked) to meet the eligibility criteria. Choose from an array of available credit cards, according to your requirements. To make a smart choice in choosing the right credit card for yourself, just logon to www.instantcreditcard.in and apply for a credit card instantly.

WHY IS CREDIT CARD IMPORTANT?

With digitalization and online payments leaving no scope for the traditional cash carrying habits, credit cards are the best option to use for every transaction. They are not only hassle free payment options but every shopping comes with reward points or cashback! The other important feature is that you get time of 20-50 days to pay the amount back to the bank. Isn’t it awesome?

CREDIT CARD BENEFITS

Reward Points Program: Almost all credit cards come with reward points feature which means that you will earn some reward points with every transaction you make using your credit card. The number of reward points is fixed and is different from card to card. After that, you can redeem these reward points for various gifts i.e. special discounts, cashbacks, products etc. as per the reward point provision of the card. Welcome Gift: There are some banks who offer welcome gifts along with issuing the credit cards. These can be gift vouchers, bonus points, discounts etc. The nature of the welcome gift varies from bank to bank. Fuel Surcharge Waiver: It means that whenever you spend certain amount regularly on fuel, the surcharge is waived off. Cashback: Few credit cards come with cashback benefits. The percentage of cashback depends upon the credit card issuer bank. For example, you can try buying a new iPhone with huge cashback on specific credit cards. Travel & Lifestyle Advantages: Now days, privilege credit cards give customers numerous benefits like attractive offers on miles, airport lounge access, travel insurance, flight ticket deals, hotel offers, dining, shopping, games, health & wellness, entertainment etc.

DIFFERENCE BETWEEN CREDIT & DEBIT CARD

A credit card allows you to do any transaction on a credit basis, which means, you do not need to pay cash instantly but get a certain time frame to pay the spent amount back. Whereas, a debit card allows you to spend money from your savings or current account, that needs no repayment.

CAN CREDIT CARD BE USED FOR CASH WITHDRAWAL FROM ATMS?

Well, yes. The facility of cash withdrawal through credit cards is possible and is known as cash advance. This cash is the part of total credit limit given on your credit card. You can easily take out cash from an ATM through generating an ATM PIN for the card. You can generate this PIN by calling on the contact number given on the back side of your credit card. It is customer care’s number for your assistance.