May 2, 2025
2 mins read
When it comes to choosing the best credit card in India, it can feel overwhelming. With so many options available, understanding the different types of credit cards can help you choose one that aligns with your lifestyle and financial goals. BOBCARD offers a wide range of credit cards designed for lifestyle, travel, shopping, fuel, professional, and defense needs. Whether you're looking for high rewards, travel perks, shopping discounts or Smart & easy EMI conversions, there's a card just for you.
Below, we cover 22 types of BOBCARD credit cards available in India and how they cater to your lifestyle and financial goals.
At BOBCARD, we know that every person is different—and so are their needs. Whether you love to shop, travel, run a business, or enjoy premium experiences, there’s a BOBCARD just for you.
Ideal for those who enjoy dining, shopping, and entertainment.
ETERNA Credit Card: A premium credit card with domestic lounge access, offering unlimited airport lounge visits, 15 reward points on select categories, BOGO movie tickets, and a welcome gift worth ₹15,000.
TIARA Credit Card: A thoughtfully designed women’s credit card that offers health checkups, shopping vouchers, OTT subscriptions, and 15 reward points on travel, dining, and international spends.
BOBCARD One Credit Card: India's best metal credit card that offers travel, shopping, and everyday benefits. Get reward points on every spend, smart EMI options, just 1% forex charge, and other value-packed features.
Perfect for frequent travelers seeking travel-related perks.
PREMIER Credit Card: Earn 5X rewards on travel, dining, and international spends, along with lounge access, 500 welcome reward points and fuel surcharge waiver.
IRCTC BOBCARD: Designed for frequent train travelers, offering up to 10% savings on IRCTC bookings, complimentary railway lounge access, rewards on departmental store purchases, and 500 bonus reward points.
Best suited for avid shoppers looking for cashback and rewards.
Snapdeal BOBCARD: The Snapdeal shopping credit card offers 5% cashback on Snapdeal purchases, along with shopping vouchers and everyday reward benefits.
SELECT Credit Card: A credit card with 5X rewards on online shopping and dining, plus 500 welcome reward points, insurance cover, and convenient EMI options.
EASY Credit Card: Ideal for first-time credit card users, offering 5X rewards on department stores and movies, 500 welcome reward points, spend based fee waiver, and EMI options.
Designed for individuals who spend significantly on fuel.
HPCL ENERGIE Credit Card: Co-branded with HPCL, this fuel credit card offers up to 80 litres of free fuel annually, along with movie benefits, airport lounge access, 500 welcome reward points, and a fuel surcharge waiver.
Crafted for business owners and self-employed professionals.
CORPORATE Credit Card: This corporate credit card is tailored for large firms and start-ups, offering spend management tools, airport lounge access, and up to 50 days of interest-free credit.
EMPOWER Credit Card: A credit card with 50 days interest-free credit, designed for self-employed individuals, offering smart spend tracking and flexible payment options.
Collaborations with our partner banks for exclusive benefits.
PRAGATI Credit Card: Specially for customers of Baroda UP/Rajasthan/Gujarat RRBs, offering a lifetime free card with shopping rewards.
Nainital Bank RENAISSANCE Credit Card: Co-branded with Nainital Bank, providing 5X rewards on shopping, EMI options, and fuel surcharge waiver.
Ideal for individuals looking to build or rebuild their credit history.
PRIME Credit Card: A Prime credit card, secured by a fixed deposit, requiring no income proof and helping you build or rebuild your credit.
Exclusive cards for members of professional institutions.
ICAI EXCLUSIVE Credit Card: A credit card for CA (Chartered Accountants), offering milestone rewards, airport lounge access, FITPASS membership, insurance, and a fuel surcharge waiver.
ICSI DIAMOND Credit Card: A credit card for CS (Company Secretaries), offering a lifetime-free card with bonus points, FITPASS membership, lounge access, insurance, and a fuel surcharge waiver.
CMA One Credit Card: For ICMAI members, with 4,000 quarterly reward points, FITPASS membership, lounge access, insurance, and fuel surcharge waiver.
Dedicated to serving the armed forces personnel.
Indian Coast Guard RAKSHAMAH Credit Card: Designed for Coast Guard personnel, offering lifetime free access with exclusive benefits like FITPASS membership, Amazon Prime membership, airport lounge access, insurance, and fuel surcharge waiver.
Indian Army YODDHA Credit Card: Exclusively for Indian Army members, providing travel perks, shopping rewards, FITPASS membership, Amazon Prime membership, airport lounge access, insurance, and zero card fees.
VIKRAM Credit Card: For all defense personnel, offering a lifetime free card with shopping rewards, 500 welcome reward points, Disney Hotstar membership and EMI options.
Assam Rifles SENTINEL Credit Card: Honoring Assam Rifles personnel with shopping rewards, FITPASS membership, Amazon Prime membership, airport lounge access, insurance, and zero card fees.
Indian Navy VARUNAH Credit Card: Exclusively for Navy personnel, providing rewards, memberships, and complimentary benefits.
Selecting the appropriate credit card depends on your spending habits and lifestyle needs: Premium Lifestyle Seekers: Go for ETERNA, TIARA or One Card
Frequent Travelers: Consider the PREMIER, HPCL, or IRCTC BOBCARD for travel-related benefits.
Shopping Enthusiasts: Opt for Snapdeal BOBCARD, SELECT, or EASY cards to maximize shopping rewards.
Business Owners: CORPORATE and EMPOWER cards offer features tailored to business expenses.
Professionals: ICAI EXCLUSIVE, ICSI DIAMOND, and CMA One cater to specific professional needs.
Defence Personnel: Dedicated cards like YODDHA, VARUNAH, SENTINEL honor your service with exclusive benefits.
Conclusion
BOBCARD's diverse range of credit cards ensures that there's a perfect match for everyone, whether you're a frequent traveler, somebody who not only love shopping but also always on the lookout of shopping rewards, a business professional, or a member of the armed forces. Evaluate your spending habits and lifestyle goals to choose the card that best suits your needs.
Credit cards in India cater to various needs, including lifestyle, travel, shopping, fuel, business, and professional requirements.
Assess your spending habits and lifestyle needs to select a card that offers benefits aligned with your lifestyle.
Rewards credit cards offer points for every purchase, which can be redeemed for gifts, vouchers, or discounts.
Cashback cards provide a percentage of your spending back as cash, while rewards cards offer points for redemption.
Travel credit cards offer benefits like lounge access, low forex charges, and discounts on bookings, ideal for frequent travelers.
Yes, they provide savings on fuel purchases through cashback or reward points and waive fuel surcharges.
Premium cards offer enhanced benefits like higher credit limits, exclusive rewards, complimentary memberships of lifestyle services, and concierge services compared to regular cards.
Business credit cards are designed for business expenses, offering features like expense tracking and higher credit limits.
Yes, having multiple cards can help manage different spending categories and maximize benefits.
Consider annual fees, interest rates, late payment charges, and foreign transaction fees.
Cards like EASY, PRIME and Snapdeal are great for beginners due to simple eligibility and usage features.
Explore more and apply today at https://www.bobcard.co.in/
The content on this site, including articles, insights, data, and other materials ("Publication"), is provided by BOBCARD for informational and educational purposes only. It does not constitute legal, financial, or credit card advice and should not be considered a recommendation or endorsement of any financial products, credit cards, or services. BOBCARD makes no guarantees regarding the accuracy, completeness, timeliness, or availability of the information provided. We are not responsible for any errors, omissions, or outcomes resulting from its use. Any reliance on the Publication is at the reader’s own discretion and risk. BOBCARD shall not be liable for any losses, damages, costs, or legal consequences (including lost income, profits, or opportunity costs) arising from the use of this content. Readers are strongly advised to seek independent professional advice before making any financial decisions or subscribing to any credit card/financial products or services mentioned in the Publication.
As digital payments continue to rise, online transaction security has become of the utmost importance. Frauds and data breaches have become common, causing substantial financial and reputational losses.
The festive season is a time for celebration, togetherness, and shopping.
In today's fast-paced world, comfort and luxury can significantly enhance your travel experience.
