Simply researching, applying for a good credit card, and using it wisely is no longer enough. With devaluations and even occasional revaluations becoming more common, staying updated on your credit card’s features is essential. This holds especially true for BOBCard Credit Cardholders, who will see several changes taking effect from 1st July 2025.
From increased finance charges to broader reward eligibility, including reward points on utility bill payments, and a new minimum threshold for redeeming points, BOBCARD Credit Cards are set for a significant update.
Make sure you’re aware of how these changes impact your card usage.
Earn Reward Points on Utility Bills
Starting July 1, 2025, BOBCARD Credit Cards will offer reward points on utility bill payments, including electricity, gas, and water. These cards shall offer the core (base) reward rate for such payments.
| Card Name | Core Reward Rate |
| Swavlamban | 4 RP/₹100 |
| Easy | 1 RP/₹100 |
| Select | 1 RP/₹100 |
| Premier | 2 RP/₹100 |
| Eterna | 3 RP/₹100 |
| Tiara | 3 RP/₹100 |
| Corporate | 1 RP/₹100 |
| Empower Business Card | 1 RP/₹100 |
| Prime | 2 RP/₹100 |
| ICAI Exclusive | 1 RP/₹100 |
| ICSI Diamond | 1 RP/₹100 |
| ICMAI One | 1 RP/₹100 |
| IRCTC | 2 RP/₹100 |
| HPCL ENERGIE | 2 RP/₹100 |
| Snapdeal | 4 RP/₹100 |
| Varunah | 1 RP/₹100 |
| Varunah Plus | 2 RP/₹100 |
| Varunah Premium | 3 RP/₹100 |
| Rakshamah | 2 RP/₹100 |
| The Sentinel | 2 RP/₹100 |
| Yoddha | 2 RP/₹100 |
| Vikram | 1 RP/₹100 |
| Renaissance | 1 RP/₹100 |
| Pragati | 1 RP/₹100 |
Also Read – Best Credit Cards for Utility Bill Payments
New Redemption Rule
Effective July 1, 2025, a minimum of 1,000 reward points will be required for redemption against the statement balance across all credit card variants.
SNAPDEAL BOBCARD Credit Card Update
Auto redemption of reward points will no longer be available with the SNAPDEAL BOBCARD Credit Card. Cardholders must now initiate manual redemption through the BOBCARD Portal or Mobile App.
Revised Finance Charges
The finance charge for all BOBCARD Credit Cards will be revised to 3.75% per month (45% annualized), except for BOBCARD Eterna, BOBCARD Eterna FD, and BOBCARD Tiara.
Official Update for BOBCARD Credit Cards
Bottom Line
All of these changes are in line with broader industry trends among credit card issuers in India. For instance, the increase in finance charges to 3.75% per month is now a common standard. On the brighter side, the introduction of core reward points on utility bill payments is a welcome upgrade for all BOBCARD Credit Cards.
Thinking of applying for a BOBCARD Credit Card? Click the button below and start your journey toward a more rewarding credit card experience!
Read Also- Best American Express Credit Cards in India