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BoB Premier
BoB • Visa

BoB Premier

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Decision memoUpdated 12 Mar 2026
Get it if

Route travel and dining spends to this card where the 5X earn logic is expected to apply

Skip it if

Lounge eligibility is conditional on previous-quarter spend and settlement timing

Verified 12 Mar 2026VerifiedHigh confidence2 sources checked

Latest change: Updated BoB Premier lounge eligibility (₹20,000 prior-quarter spend, 1 visit/quarter), refreshed review date, and captu...

For Mid-range Travel. 2.5% on dining spend. ₹1,000 fee, waiver at ₹1,20,000. Lounge rule: ₹20,000 / quarter.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

Mid-range Travel

  • 5X rewards on travel and dining categories.
  • 1 complimentary airport lounge visit per quarter, with ₹20,000 net spend in the preceding calendar quarter.
  • Issuer page currently highlights a limited-period Lifetime Free campaign through 31 March 2026.
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Lounge access is spend-gated and not automatically available every quarter.
  • Reward realization depends on eligible category coding and issuer exclusions.
  • Campaign-led fee waivers can change or end without notice.
Annual Fee₹1,000Joining fee ₹1,000
Spend to Waive Fee₹1,20,000Waived on ₹1.2L spend
Best Category Return2.5%Dining spend
Lounge Access Condition₹20,000 / quarter42 visits listed

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • Route travel and dining spends to this card where the 5X earn logic is expected to apply.
  • Track quarter-end spend so the next quarter's lounge visit remains unlocked.
  • Re-check fee terms at application time since campaign-led LTF windows can be time-bound.

Watch before applying

  • Lounge eligibility is conditional on previous-quarter spend and settlement timing.
  • Core reward exclusions and issuer MCC rules can lower realized return from headline multipliers.
  • Program/fee terms can be revised via issuer circulars.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

Compare this cardBrowse similar cards

Same-bank step-up path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

BOBCARD PRIME: Guaranteed Credit Card with Zero Documentation

Annual fee: Free

Shared focus: Travel+40 more lounge visits in current datasetEstimated +₹1,044/yr value
View Details
Step 2

BoB Eterna

Annual fee: ₹2499

Shared focus: Travel, DiningHigher product tier within same bankHigher top earn rate (3.8%)
View Details

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Value & Fees

Check if the card clears its own fee.

Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.

Annual fee₹1,000

Joining fee ₹1,000

Fee waiver₹1,20,000

Waived on ₹1.2L spend

Best return2.5%

Dining spend

Fee waiver estimator

Adjust your spend only if you need to test whether the card pays for itself.

Open

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on ₹1.2L spend

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹1,20,000 annual spend.

Reward rate breakdown

Open the category chart when two cards are close and you need the exact spend shape.

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Reward Rate Breakdown

Category-wise reward rates for this card

Dining
2.5%
Travel
2.5%
Basedefault
0.5%
Current Opportunities

Open the live value layer only if the card still looks strong.

Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.

Live offersNone right now

Offer availability changes often.

Best redemptionNot highlighted

This card is better treated as direct cashback or feature value.

MilestonesNo milestone edge

No standout milestone boost highlighted.

Redemption tools

Use these only if your shortlist is down to cards where redemption value can change the decision.

Open

Redemption optimizer unavailable

This card is better evaluated through direct cashback, fee drag, and perk value right now.

Lounge Reality

Treat lounge as real value only after the rule check passes.

Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.

Visits listed42 visits

31 domestic • 11 international

Access rule₹20,000 / quarter

- Source file: Visa India participating airport lounges PDF (generic domestic programme section). - Imported lounge rows are network-level; access is card-tier and issuer-policy dependent. - Verify spend thresholds, card eligibility, and visit caps in latest issuer terms before travel.

Coverage sourceIssuer mapped

Mapped from issuer lounge dataset + card policy signals

Full lounge eligibility checklist

Open this to validate spend thresholds, program fit, and any conditions that can block access.

Open

Lounge eligibility checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for BoB Premier using your current quarter spend.

₹0 spent₹20,000 target

Policy signal used: 1 complimentary airport lounge visit per quarter, with ₹20,000 net spend in the preceding calendar quarter.

Spend threshold

1 complimentary airport lounge visit per quarter, with ₹20,000 net spend in the preceding calendar quarter.

Quarter / cycle rule

1 complimentary airport lounge visit per quarter, with ₹20,000 net spend in the preceding calendar quarter.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Airport-wise lounge locations

Open the full location map only if this card passes the lounge rule check above.

42 rows

Lounge locations

42 airport lounge rows
View lounge map and location list42 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

3 lounges • 2 domestic • 1 international

3
Adani LoungeDomestic

AHM • Ahmedabad Airport • Terminal 2

The LoungeDomestic

AHM • Ahmedabad Airport • Terminal 1

The LoungeInternational

AHM • Ahmedabad Airport • Terminal 2

Amritsar

4 lounges • 2 domestic • 2 international

4
Costa CoffeeDomestic

AMR • Amritsar Airport • NA

Costa CoffeeInternational

AMR • Amritsar Airport • NA

Primus LoungeDomestic

AMR • Amritsar Airport • NA

The Airr LoungeInternational

AMR • Amritsar Airport • International Terminal

Bengaluru

1 lounges • 1 domestic • 0 international

1
Lounge - West PHDomestic

BEN • Bengaluru Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

Dehra Dun

2 lounges • 2 domestic • 0 international

2
Bird LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • NA

Carnations LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • Domestic Terminal

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Mohanbari Dibrugarh Primus LoungeDomestic

DIB • Dibrugarh Mohanbari Airport • NA

Goa

2 lounges • 1 domestic • 1 international

2
Encalm LoungeInternational

GOA • Goa Airport • Terminal 1

Encalm LoungeDomestic

GOA • Goa Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • NA

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 1

Jammu

1 lounges • 1 domestic • 0 international

1
Airport Jammu Executive LoungeDomestic

JAM • Jammu Airport • Domestic Terminal

Kochi

2 lounges • 1 domestic • 1 international

2
Travel ClubDomestic

KOC • Kochi Airport • Terminal 1

Travel ClubInternational

KOC • Kochi Airport • Terminal 3

Kolkata

1 lounges • 0 domestic • 1 international

1
AnnexInternational

KOL • Kolkata Airport • Terminal 1

Lucknow

2 lounges • 1 domestic • 1 international

2
Adani LoungeDomestic

LUC • Lucknow Airport • Terminal 3

BudweiserInternational

LUC • Lucknow Airport • Terminal 3

Mumbai

4 lounges • 4 domestic • 0 international

4
Adani LoungeDomestic

MUM • Mumbai Airport • Terminal 1B

Good Times BarDomestic

MUM • Mumbai Airport • Terminal 1B

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 1C

Travel ClubDomestic

MUM • Mumbai Airport • Terminal 2

Nagpur

2 lounges • 2 domestic • 0 international

2
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • NA

The Airr LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Domestic Terminal

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 1

Encalm LoungeDomestic

NEW • New Delhi Airport • Terminal 3

Encalm LoungeInternational

NEW • New Delhi Airport • Terminal 3

Patna

1 lounges • 1 domestic • 0 international

1
m Airport Vishakhapatnam The Airr LoungeDomestic

PAT • Patna Airport • Domestic Terminal

Prayagraj

1 lounges • 1 domestic • 0 international

1
Airport Allahabad / PrayagrajDomestic

PRA • Prayagraj Airport • Domestic Terminal

Ranchi

1 lounges • 1 domestic • 0 international

1
Birsa Munda Ranchi The Airr LoungeDomestic

RAN • Food Hangar, Security Hold Area, 1st Floor, Domestic Departure, Birsa Munda Airport • Terminal 1

Thiruvananthapuram

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

THI • Thiruvananthapuram Airport • Terminal 1

The LoungeInternational

THI • Thiruvananthapuram Airport • Terminal 2

Vadodara

1 lounges • 1 domestic • 0 international

1
Airport Vadodara Premium LoungeDomestic

VAD • Vadodara Airport • NA

Decision Details

Open the dense rulebook only when you are close to applying.

Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

FAQ & Evidence

Keep proof and verification at the bottom.

This is the validation layer. Use it after the card already feels like a possible yes.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Open

Offer Truth

  • Joining fee₹1,000
  • Annual fee₹1,000
  • Waiver threshold₹1,20,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-03-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-03-12

Lounge Truth

  • NetworkVisa
  • Domestic count31
  • International count11
  • Quarterly limit1
  • Airport-terminal rows42
  • Policy check2026-03-12

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports23
  • Approval reports14

Frequently asked questions

Short answers for the usual apply, fee, reward, and lounge questions.

Open
Is BoB Premier lifetime free?

It has an annual fee of ₹1000. Waived on ₹1.2L spend

What rewards does BoB Premier offer?

5X rewards on travel and dining with quarterly lounge access (spend-gated) and current limited-period LTF campaign on issuer site.

Does BoB Premier include lounge access?

BoB Premier lists 42 lounge visits (31 domestic, 11 international).

Who should consider BoB Premier?

Mid-range Travel

Where can I apply for BoB Premier?

Check the issuer link listed for this card.

Sources and verification

Issuer link, last verification date, and how this page was assembled.

Open

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-03-12
  • Data Method: Automated scraper + Manual audit