70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal year; joining costs and taxes excluded.
Route travel and dining spends to this card where the 5X earn logic is expected to apply
Lounge eligibility is conditional on previous-quarter spend and settlement timing
Latest change: Updated BoB Premier lounge eligibility (₹20,000 prior-quarter spend, 1 visit/quarter), refreshed review date, and captu...
For Mid-range Travel. 0.6% on dining spend. ₹1,000 fee, waiver at ₹1,20,000. Lounge rule: ₹20,000 / quarter.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Mid-range Travel
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
These are objective same-bank step-up options from the current rewards and lounge model.
Annual fee: Free
Annual fee: ₹2499
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹1,000
Waived on ₹1.2L spend
Dining spend
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
31 domestic • 11 international policy count
Card-level policy notes: • Lounge access is spend-gated and not automatically available every quarter. • 1 complimentary airport lounge visit per quarter, with ₹20,000 net spend in the preceding calendar 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. Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.