*Reward Points will be credited within 60 days of eligible transaction. Accelerated Reward Points of 10RP & 24RP per ₹150 is capped at maximum 1000 Reward Points each per statement. 1 Reward Point = ₹0.25. Reward program is not applicable on select MCCs.

Visit bobcard.co.in/most-important-terms-and-condition to know Reward Points Important Terms and Conditions. ^Fuel surcharge waiver is capped at ₹100 per statement per credit card account. HP Pay Direct Debit and wallet load transactions do not qualify for accelerated Reward Points or fuel surcharge waiver. The GST component is not reversed. The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank providing the terminal to the merchant. The value of fuel transaction on charge slip will differ from the credit card statement since the fuel surcharge and GST on the same are levied by the acquiring bank after the transaction. Eligible fuel transaction amount to qualify for 1% surcharge waiver is inclusive of the GST & surcharge levied by the acquiring bank after the transaction. Annual fee waiver is applicable only to non-delinquent credit cardholders even if the spends criteria is fulfilled. 
^^This benefit can be availed up to two times per month on district per primary cardholder.
**Benefit offered by HPCL: Only applicable at HPCL retail outlets. Valid for existing as well as new customers. Payback points earned on HP Pay App need to be redeemed by registering on the payback website www.payback.in
UPI transactions are eligible only for core Reward Points. UPI transactions do not qualify for joining rewards and annual fee waiver. 

***Effective 1st Jan, 2025, complimentary lounge access will subject to minimum spends of Rs 20,000 in the preceding calendar quarter. Visit bobcard.co.in/most-important-terms-and-condition to know Important Terms and Condition.