PM SVANidhi BOBCARD
BOBCARD (Bank of Baroda) · Open to apply
A lifetime-free starter card for street vendors who repaid PM SVANidhi loans: ₹10,000 starting limit, 1 point per ₹100, no cash withdrawal or international use.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 1 point per ₹100 on other spends: 1 BOBCARD Reward Points per ₹100 (about 0.2% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No points on fuel (MCCs 5172, 5541, 5542, 5983)
- No points on rent (MCC 6513)
- No points on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
- No points on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
- No points on wallet loads (MCCs 6539 to 6543)
- No points on insurance (MCCs 5960, 6300)
- No points at supermarkets, convenience and variety stores (MCCs 5261, 5331, 5411, 5499)
- No points on toll and road fees (MCC 4784)
- No points on railway bookings (MCC 4112)
- No points on fast food (MCC 5814), taken to include Swiggy and Zomato
Terms the calculator does not value
- Cash withdrawal and international transactions are not allowed on this card (PM SVANidhi guidelines), the starting credit limit is ₹10,000, and the page promises up to 51 days of interest-free credit. None of these changes the calculator's value.
- The T&C's reward tables do not list this card, so the exclusion list (annexure 1) is assumed to apply as the page says reward points are not applicable on select MCCs and fuel; TWID is not entered. The MITC says SmartDeal is not applicable on PM SVANidhi, so no SmartDeal rule is entered.
- Food delivery apps (Swiggy, Zomato) are assumed to be fast food, MCC 5814, and so excluded from all points.
- Other MCCs that earn nothing and have no calculator category: agriculture, contractors, the transportation MCCs 4111, 4131 and 4789, personal and civic services (7211, 7230, 7276, 7349, 8111, 8641), hospitals (8011, 8062; our health category also holds pharmacies and is not excluded) and charity (8398, 8661). Transactions under ₹100 earn nothing.
Sources
- BOBCARD PM SVANidhi product page (Product page, the bank's own, read 6 Nov 2026)
- BOBCARD Consolidated MITC, version GENERIC MITC 2.0 JULY2026 (PDF created 7 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- BOBCARD Product Features, Important Terms and Conditions (2 Nov 2026 edition) (Reward terms, the bank's own, read 6 Nov 2026)
- BOBCARD notice, Revision in Product Features and Charges w.e.f. 1st April 2026 (PDF created 2 Mar 2026) (Bank notice, the bank's own, read 6 Nov 2026)