BOBCARD Assure
Cancel₹25,000 in a Baroda FD, no income proof, and the whole credit limit available as cash.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: None — the product page advertises a fee REVERSAL on ₹6,000 of spend in 60 days, which is a fee waiver rather than a welcome benefit, and no points or vouchers are offered
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹3,000 a month
At ₹3,000 a month — ₹36,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against a fee of ₹0 — the ₹500 is waived, the spend having cleared ₹35,000 a year = ₹100 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #1114
Why #1114 BOB Financial's original fixed-deposit card and the ancestor of the FD-backed Easy, Select and Premier editions BOBCARD sells today — a ₹25,000 deposit, no income proof, and the only card on its shelf that let you draw your whole limit in cash. Withdrawn; carried for the record.
The take
BOBCARD Assure was BOB Financial's answer to the reader with no salary slip: a credit card issued against a Bank of Baroda fixed deposit, with guaranteed issuance and no income proof asked for. The deposit floor the product chart names is ₹25,000, which is low even by secured card standards, and the card was Visa, global and chipped like every other tier on the shelf. Its one genuinely distinctive feature is the cash line: Assure let you withdraw 100% of the credit limit, where the Titanium and Elite Platinum capped you at 30% and the Signature at 40%. On a card secured by your own money that is logical — the bank is not really lending — and for an emergency it is the most useful thing on the file. The rest is thin and worth naming plainly. One point per ₹100, about 0.25%, with no accelerated category. Fee ₹500 in the first year, reversed if you spent ₹6,000 within 60 days, and ₹500 a year after that, waived on ₹35,000 of annual spend — though BOB Financial's own product chart of the same period prints a free joining fee and a ₹50,000 waiver bar for this column instead, so treat both numbers as the shelf's, not as gospel. Accidental death cover ran to ₹15,00,000 in the air and ₹5,00,000 otherwise. Revolving cost 2.60% a month, the shelf's low rate, and foreign spending carried the usual 3.50% markup. BOBCARD's current FD-backed cards — the Easy, Select and Premier editions — are this card's descendants and are lifetime free, which is the fairest way to read what Assure was worth.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹500/yr at stake · 5 spend bands
The charge ₹500/yr
The waiver ₹35,000 of spend in the year before renewal — about ₹2,917 a month — and the renewal fee is not charged.
Break-even ₹3,000 a month — ₹36,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹800 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,500 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹9,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹15,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
BOBCARD (Bank of Baroda) publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 25 Aug 2026 BOBCARD withdraws accidental death cover from twenty cards issuer-wide
- 15 Jul 2026 BOBCARD nearly doubles the spend gate on unlimited domestic lounges issuer-wide
- 1 Apr 2026 BOBCARD reprices rail, toll and app-routed education issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Guaranteed issuance against a Bank of Baroda fixed deposit, with no income proof — the chart's floor is a ₹25,000 deposit
- Cash withdrawal up to 100% of the credit limit, against 30–40% on every unsecured tier of the same shelf
- ₹15,00,000 of built-in air accidental death cover and ₹5,00,000 otherwise, on the primary card
- Up to three lifetime-free add-on cards, and up to 50 interest-free days
- 2.60% a month on revolved balances — the shelf's low rate, shared with the Signature tier
Watch out
- WITHDRAWN. BOB Financial's shelf is gone; BOBCARD's FD-backed cards today are the Easy, Select and Premier editions, all of which are lifetime free
- THE FEE IS PUBLISHED TWO WAYS. The product page says ₹500 in the first year (reversed on ₹6,000 in 60 days) and ₹500 a year waived at ₹35,000; the 1 Jan 2018 product chart says free to join, ₹500 a year, waived at ₹50,000. This desk prices the page and names the chart
- 0.25% on everything, with no accelerated category and no milestone — and nothing at all on cash and fuel spends
- Your fixed deposit carries a lien while the card is live, so the money is not yours to break
- 3.50% foreign-currency markup
- No lounge access and no travel benefit of any kind
What these points actually fly
No live transfer route takes BOBCARD Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹35,000 a year is the bar that waives the ₹500 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. BOBCARD (Bank of Baroda) states what the BOBCARD Assure earns, but has not published which spend categories count toward the fee waiver — the ₹35,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. The page and the funnel died with bobfinancial.com. The nearest thing BOBCARD sells now is the FD-backed edition of its Easy, Select or Premier card.
BOBCARD (Bank of Baroda) publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 25 Aug 2026BOBCARD withdraws accidental death cover from twenty cardsAir and Non-Air Accidental Death Cover bundled with Eterna, Eterna (FD), Premier, Premier (FD), Select, Select (FD), Tiara, Empower Business, Corporate Platinum, Swavlamban, Prime, Elite, Platinum Select, Signature, Assure, Renaissance and the three Pragati RRB variants. → No Air or Non-Air Accidental Death Cover. Already gone on anything issued after 15 July 2026; existing cardholders keep it only until 25 August 2026.
BOBCARD's July revision notice has a quiet fourth clause, and it lands on 25 August 2026: the Air and Non-Air Accidental Death Cover comes off twenty product variants at once — not just new cards, but every card already in a wallet. Cards issued after 15 July 2026 never had it. Call it minor and mean it, because this desk does not price the perk and neither should you: air-accident death cover is the benefit every Indian issuer prints in bold and nobody ever claims, it pays only on death in a common carrier, and it costs the issuer almost nothing precisely because it almost never pays. Losing it changes no number on this site. What it signals is the direction: the same notice already moved the unlimited-domestic-lounge gate on Eterna, Eterna (FD), Tiara and Varunah Premium from ₹40,000 to ₹75,000 of preceding-quarter spend, and raised the finance charge on Eterna and Tiara from 3.25% to 3.75% a month. The insurance line is the third cut in one PDF, and it is the one that reaches cards nobody thought were being repriced. ON THE LOUNGE DATE, because BOBCARD published three answers and two of them are still live. The 12 June notice set the ₹75,000 gate for 15 July 2026. Four days later, on 16 June, BOBCARD issued an ADDENDUM — "This communication serves as an addendum to our earlier communication on Friday 12th June 2026" — that DEFERRED the lounge change alone: "₹40,000 in preceding calendar quarter" applicable till 30 September 2026, "₹75,000" from 1 October 2026, with the finance-charge and HPCL clauses left at 15 July. Then the operative Features and Rewards T&C dated 15 July 2026 — which POSTDATES the addendum — prints §5.1 Table1 as "Eterna / Unlimited / Rs. 75,000 in preceding calendar quarter", with no date qualifier and no ₹40,000 anywhere, and BOBCARD's product pages agree. The operative document governs, so ₹75,000 is what this desk carries on all four cards; the addendum is recorded here because a reader who reads the addendum and not the T&C will believe they have until October, ; the ₹75,000 gate is the one that applies.
- 5 Aug 2026Etihad Guest Gold now costs ₹10,000 on etihad.com, not one rupee
- 15 Jul 2026BOBCARD nearly doubles the spend gate on unlimited domestic lounges
- 5 May 2026Eterna's lifetime-free window rolls forward yet again
- 1 Apr 2026BOBCARD reprices rail, toll and app-routed education
- 5 Jan 2026BOBCARD and Etihad Guest deal two co-brands — the last pipe in
Every BOBCARD (Bank of Baroda) change we've dated → 6 events in 2026, 4 of them nerfs — worst year 2026.
Verified against BOBCARD (Bank of Baroda)'s own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official BOB Financial's own Assure Credit Card page (archived 28-Jan-2018) — the fixed-deposit issuance, the ₹500 fee with its reversal and waiver bars, and the 100% cash-withdrawal line
- official BOB Financial's "BOBCARD POWER" product chart effective 1 January 2018 (archived 17-May-2019) — the ASSURE column, its "Card against FD" footnote, the ₹25,000 deposit floor and the point rate
- official BOB Financial's BOBCARD Overview (archived 24-Apr-2018) — the shelf listing that files Assure as the third tier of the Platinum family