Discover how it helps to Grow your business
Rewards on Every Spend
Earn 1 Reward Point* for every ₹100 spent (except on select MCCs & Fuel).
Redeem your points for Cashback or Pay with Rewards.
Fuel Surcharge Waiver**
Enjoy 1% fuel surcharge waiver on transactions between ₹400–₹5,000 (Up to ₹250 per statement cycle).
Please note: Fuel spends do not earn Reward Points.
Flexible Redemption Options
Redeem your Reward Points:
• Cashback – 1 RP = ₹0.25
• Pay with Rewards – 1 RP = ₹0.15
Up to 50 Days Interest-Free Credit
Get more time to pay back your dues with up to 50 days of interest-free credit, helping you manage business cash flow better.
For those who run their business with dedication, every single day.
It helps you manage daily expenses smoothly with rewards, convenience, and quick credit access.
₹500 Joining Fee (Waived as service gesture) ₹500 Annual Fee (Waived on ₹50,000 annual spends)
Additional Benefits with BOBCARD Micro Enterprise Credit Card
Smart EMI Options
Convert purchase of > ₹2,500/- on your card into Smart EMIs of 6 to 48 months.
Wide Acceptance
Use your card at shops, markets, suppliers, and online platforms - wherever credit cards are accepted.
Digital Convenience
Easily check statements, track spends, and manage your card through the BOBCARD App.
Simple & Transparent Fees
Finance Charges: 1.5% per month (18% p.a.)
Forex Markup: 3.5%
*Goods and Services Tax (GST) Applicable. Reward program is not applicable on select MCCs and Fuel transactions.Visit www.bobcard.co.in/most-important-terms-and-condition/bobcard-mitc to know Reward...
*Goods and Services Tax (GST) Applicable. Reward program is not applicable on select MCCs and Fuel transactions.Visit www.bobcard.co.in/most-important-terms-and-condition/bobcard-mitc to know Reward Points Important Terms and Conditions. Reward points can be redeemed as cashback @₹0.25 per reward point. Fuel surcharge will not be applicable on fuel transactions where transaction amount is less than ₹ 400 or more than ₹ 5000.
Application Guidelines
Customer will have to initiate the application journey from Government of India's Jan Samarth Portal
1
Eligibility Criteria
- Must be a Micro Enterprise registered on Government of India’s JanSamarth portal.
- Indian Resident
- Age: 21–65 years (Primary Cardholder)
2
Documents Required
-Application form
-KYC of Applicant
-KYC of the Firm
-Udyam Registration Number
-GST registration Number
-GST returns for last 2 financial years
-ITR for last 3 years
-Current...
3
JanSamarth Portal
Click Here to apply from JanSamarth portal