BOB Reward Points Redemption Guide 2026: All Cards & Steps

Key Takeaways

• Redemption portal: portal.bobcard.co.in - this is where all BOBCARD Eterna, Tiara, Select, and Easy reward point redemptions happen. Log in with your card number and registered mobile OTP.

• Statement credit is the simplest and most reliable method - 1 RP = ₹0.25 on Eterna/Tiara, 1 RP = ₹0.20 on Select/Easy. Applied directly to your card outstanding within 3–5 business days.

• Minimum redemption: 1,000 RP - equivalent to ₹250 on Eterna/Tiara. Balances below this cannot be redeemed until the minimum is accumulated.

• BOBCARD Cashback does not use a redemption portal - cashback auto-credits to your statement each month. No action needed.

• Etihad card holders redeem miles via etihad.com, not the BOBCARD portal. Etihad Guest Miles are a separate currency redeemable on the Etihad platform.

• Reward points on Eterna and Tiara never expire - there is no urgency to redeem. Take your time and accumulate before redeeming.

Which BOBCARD Cards Earn Redeemable Reward Points?

Not every BOBCARD uses the reward points system. Before going to the portal, confirm which currency your card earns.

Source: BOBCARD MITC Ver 19 (effective April 2026) | bobcard.co.in | Last verified: May 2026

Step-by-Step: How to Redeem BOBCARD Eterna and Tiara Points

Both Eterna and Tiara use the same redemption portal and process. Follow these steps:

Source: portal.bobcard.co.in | Process verified May 2026. Portal UI may change - if steps differ, refer to portal help section.

Having trouble logging in? If you cannot receive the OTP, verify your registered mobile number is correct. Call BOBCARD customer care at 1800 103 1006 to update your mobile number if needed. If the portal shows zero reward points and you have been spending on the card, wait until after your next statement date - points are credited to the account within a few days of statement generation.

Step-by-Step: Redeeming Points on BOBCARD Select and Easy

Select and Easy cards use the same portal.bobcard.co.in process. The only difference is the RP value - 1 RP = ₹0.20 on these cards versus ₹0.25 on Eterna and Tiara.

For Select and Easy, also check the reward points expiry terms at bobcard.co.in. Unlike Eterna and Tiara where points are evergreen, Select and Easy may carry different expiry conditions. Redeem before any expiry deadline to avoid losing accumulated points.

Redemption Option 1: Statement Credit

Statement credit is the recommended default redemption for most cardholders. Points are applied as a credit to your outstanding card balance - reducing the amount you owe on your next bill.

Source: BOBCARD MITC Ver 19 | bobcard.co.in | Last verified: May 2026

Statement credit is the most transparent option because the value is fixed and predictable. There is no product selection complexity, no waiting for delivery, and no risk of redeeming at a lower-than-expected rate.

Redemption Option 2: Product Catalogue

The BOBCARD rewards portal lists physical products, gift vouchers, and merchandise that can be purchased using reward points. The range includes electronics, home goods, lifestyle products, and vouchers from partner brands.

How to evaluate a product redemption: check the RP cost of the item on the portal. Multiply by ₹0.25 (Eterna/Tiara) or ₹0.20 (Select/Easy) to get the rupee equivalent. Then check the same product's market price online. If the portal RP cost converts to less rupees than the market price, the product redemption is better than statement credit. If it converts to more, statement credit wins.

Example: a product in the catalogue costs 4,000 RP on Eterna. 4,000 × ₹0.25 = ₹1,000. If the product retails at ₹1,200, the catalogue gives you ₹200 extra value. If it retails at ₹900, statement credit is better.

Gift vouchers - particularly for brands like Amazon, Flipkart, or Nykaa - often provide better value than merchandise redemptions because they are liquid and can be applied to future purchases you were already planning to make.

Redemption Option 3: Travel via SmartDeal

BOBCARD SmartDeal is the bank's travel booking portal where flights and hotels can be booked using reward points (in full or in combination with card payment). The applicable redemption rate for travel bookings should be verified on the SmartDeal portal at the time of booking - rates may differ from the standard statement credit rate.

When SmartDeal makes sense: if the portal offers a reward point to rupee conversion that equals or exceeds ₹0.25 per RP on Eterna/Tiara, and you were already planning a travel booking, SmartDeal can be efficient. If the conversion rate is lower than statement credit, redeem for statement credit and book your travel on the platform of your choice.

SmartDeal also offers cash + points combinations - you partially pay by card and use points for the remainder. This flexibility can help if you want to redeem a specific number of points without waiting for a full-points travel booking.

How Etihad Miles Redemption Works (Etihad Cards)

BOBCARD Etihad Guest (Standard and Premium) cards earn Etihad Guest Miles - not BOBCARD reward points. These miles are credited to your Etihad Guest loyalty account and are redeemed through the Etihad platform, not the BOBCARD portal.

Source: etihad.com/etihadguest | Last verified: May 2026. Miles costs are indicative - verify actual costs at etihad.com before booking.

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Earn 6 Miles per ₹100 on Etihad Airways with Etihad Guest Premium

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Etihad Guest Miles expire 18 months after being earned if there is no qualifying activity in the account. Any eligible card transaction resets the expiry clock. Log in to etihad.com/etihadguest to check your current balance and activity deadline.

What to Avoid When Redeeming

• Redeeming below the minimum: always accumulate at least 1,000 RP before attempting a statement credit redemption. If your balance is below 1,000 RP, the portal will not process the redemption.

• Redeeming at a worse-than-statement-credit rate: some catalogue products and travel bookings offer a lower effective rate than ₹0.25 per RP. Always calculate before confirming.

• Carrying a balance while accumulating points: interest at 3.25%–3.75% per month significantly outweighs reward earn. Pay the full outstanding every month.

• Not checking expiry on Select and Easy: verify whether your reward points have an expiry date at bobcard.co.in. If they do, set a reminder to redeem before the deadline.

• Assuming Cashback works like other cards: BOBCARD Cashback requires no redemption action. If you have a Cashback card and are looking for a redemption portal, you do not need one - the cashback has already been credited to your statement.