BOBCARD clips big tickets — 1% fee
BOBCARD introduces a 1% fee on railway bookings over ₹30,000, toll and bus charges over ₹5,000, and education payments via apps, while telecom spends now earn core points. This change affects most BOBCARD holders, except One, Uni, and Scapia co-brand cardholders, starting April 1, 2026.
BOBCARD has revised its product features and charges, effective April 1, 2026. The issuer has introduced a 1% fee on railway bookings exceeding ₹30,000, all toll and bus transactions over ₹5,000, and education payments made through third-party apps like Cred, Paytm, and PhonePe. The change impacts most BOBCARD cardholders, who will now incur an additional fee on large transactions. However, telecom spends will start earning core points, providing some relief to cardholders who frequently use their cards for telecom expenses. Our take: 1% on rail above ₹30,000, on every toll or bus charge above ₹5,000, and on education routed through Cred, Paytm or PhonePe — BOBCARD has put a price on precisely the transactions people used these cards to make big. Book big-ticket rail and pay school fees direct instead of through an app, and the fee never lands. Telecom moving to core points is real but small change against that. One, Uni and Scapia holders are exempt from the whole revision.