Table of Contents
- 1. Key Takeaways
- 2. The Complete Salary-to-Card Map
- 3. Income Tier 1: Rs. 25,000-30,000/Month - The Easy Card Entry
- 4. Income Tier 2: Rs. 40,000-55,000/Month - Select Card Territory
- 5. Income Tier 3: Rs. 60,000-90,000/Month - Premier and Tiara Cards
- 6. Income Tier 4: Rs. 1 Lakh/Month and Above - Eterna
- 7. What If Your Income Is Below the Threshold?
- 8. CIBIL Score: The Other Variable That Determines Your Credit Limit
- 9. Frequently Asked Questions
Key Takeaways
- BOBCARD has five income tiers - starting from Rs. 3 lakh/year (Easy Card for BOB customers) up to Rs. 12 lakh/year (Eterna).
- Whether you are a BOB customer or not changes your eligibility threshold - BOB account holders get access at lower income levels.
- Self-employed income requirements match or slightly exceed salaried thresholds - and require ITR acknowledgement, not salary slips.
- At Rs. 25,000/month gross (Rs. 3 lakh/year): Easy Card (BOB salary account holders) is achievable.
- At Rs. 40,000/month gross (Rs. 4.8 lakh/year): Easy Card (all applicants) and Select Card become accessible.
- At Rs. 60,000/month gross (Rs. 7.2 lakh/year): Premier and Tiara Cards are within reach.
- At Rs. 1 lakh/month or more (Rs. 12 lakh/year): Eterna - BOBCARD most premium consumer offering - is available, currently with a lifetime-free window.
- The Prime card (FD-secured) has no income requirement - right choice when income is below thresholds or documentation is unavailable.
The Complete Salary-to-Card Map
| Card | Annual Income Required | Monthly Gross (Approx.) | Key Benefit |
|---|---|---|---|
| Easy Card (BOB Salaried) | Rs. 3 lakh/year | Rs. 25,000/month | Entry point for BOB salary account holders |
| Easy Card (Non-BOB Salaried / BOB SE) | Rs. 3.6 lakh/year | Rs. 30,000/month | Entry point for non-BOB salaried and BOB self-employed |
| Easy Card (SE Non-BOB) | Rs. 4.8 lakh/year | Rs. 40,000/month | Self-employed applicants without BOB account |
| Select Card | Rs. 4.8 lakh/year | Rs. 40,000/month | Accelerated rewards on dining and online spends |
| Premier Card | Rs. 7.2 lakh/year | Rs. 60,000/month | Travel rewards, domestic lounge access, higher limit |
| Tiara Card | Rs. 7.2 lakh/year | Rs. 60,000/month | Lifestyle-focused; premium retail and dining benefits |
| Eterna Card | Rs. 12 lakh/year | Rs. 1,00,000/month | Flagship - unlimited lounge, 15 RP/Rs.100, LTF offer |
| Prime Card | No income required | Any | Secured against FD Rs. 30,000+ - guaranteed issuance |
Source: bobcard.co.in. Annual income figures are minimum thresholds. Verify current thresholds at bobcard.co.in before applying, as these may be updated.
Income Tier 1: Rs. 25,000-30,000/Month - The Easy Card Entry
At a gross monthly salary of Rs. 25,000-30,000 (Rs. 3-3.6 lakh/year), your primary BOBCARD option is the Easy Card - specifically if you hold an existing Bank of Baroda salary account (Rs. 3 lakh threshold) or are a salaried non-BOB customer (Rs. 3.6 lakh threshold).
Best card at this income: BOB Easy Card.
How to strengthen your application: Have your salary credited to a Bank of Baroda account. This drops the income threshold to Rs. 3 lakh and signals banking relationship stability. A CIBIL score above 750 significantly improves your odds at this income level.
What to expect: Credit limit is likely to be modest - Rs. 30,000-75,000 depending on your full financial profile. The Easy Card offers standard reward points and basic benefits - it is a credit-building card, not a premium lifestyle card.
Income Tier 2: Rs. 40,000-55,000/Month - Select Card Territory
At Rs. 40,000-55,000/month gross (Rs. 4.8-6.6 lakh/year), you qualify for both the Easy Card and the Select Card. The Select Card is the better choice at this income level - it offers accelerated rewards on travel, dining, and online purchases.
Best card at this income: BOB Select Card.
Why Select over Easy: The Select Card higher reward earning on relevant spend categories (dining, online, travel) typically provides better rupee value per transaction compared to the Easy Card flat reward structure.
Self-employed at this income: The Rs. 4.8 lakh threshold applies equally. Provide your latest ITR acknowledgement showing Rs. 4.8 lakh or more in declared income alongside 3 months bank statements.
Income Tier 3: Rs. 60,000-90,000/Month - Premier and Tiara Cards
At Rs. 7.2 lakh/year or more (Rs. 60,000/month gross), BOBCARD Premier and Tiara cards become accessible. This income tier unlocks domestic airport lounge access and significantly higher reward rates.
Premier Card: Best for applicants who travel domestically for work or leisure. Offers complimentary domestic lounge access (subject to quarterly spend requirements), accelerated rewards on travel and dining, and a higher credit limit than entry-level cards.
Tiara Card: Positioned as a lifestyle card with benefits focused on retail, dining, and entertainment. Both Premier and Tiara have the same Rs. 7.2 lakh income threshold. Review current benefits at bobcard.co.in before deciding.
What credit limit to expect: At Rs. 60,000-90,000/month income with a CIBIL score of 750+, credit limits in the Rs. 1.5-3 lakh range are typical.
Income Tier 4: Rs. 1 Lakh/Month and Above - Eterna
The BOBCARD Eterna is the flagship consumer credit card. At Rs. 12 lakh annual income (Rs. 1 lakh/month gross), you qualify.
Why the Eterna is a significant step up
| Feature | Premier / Tiara | Eterna |
|---|---|---|
| Reward Rate (standard) | Lower tier | 3 reward points per Rs. 100 |
| Reward Rate (accelerated) | Moderate | 15 RP/Rs. 100 on travel, dining, online, international |
| Domestic Lounge Access | Limited (quarterly) | Unlimited (with Rs. 40,000 quarterly spend requirement) |
| Annual Fee | Lower | Rs. 2,499 + GST (waived at Rs. 2.5 lakh annual spend) |
| LTF Offer (active June 2026) | Not available | Lifetime free for eligible applicants - currently active |
| Forex Markup | Standard | 2% - lower than most mid-tier cards |
The Lifetime Free opportunity: As of mid-2026, BOBCARD has been offering the Eterna card on a Lifetime Free basis for qualifying applicants - no joining fee, no annual fee. If you earn Rs. 12 lakh/year or more, the Eterna LTF offer makes it one of the most compelling credit cards in India right now. Apply at bobcard.co.in and check if the LTF offer appears during your application journey.
What If Your Income Is Below the Threshold?
If your income does not yet meet the minimum for the card you want, you have three practical options:
- Apply for the Prime card. No income requirement - secured against FD. Use it to build credit history and CIBIL score while you work toward higher income.
- Apply for the card you do qualify for. Start with Easy or Select. Once your income grows and you have 12+ months of on-time repayments, request an upgrade to Premier or Eterna by contacting BOBCARD.
- Apply as a BOB salary account holder. If you switch your salary account to Bank of Baroda, the income threshold for the Easy Card drops to Rs. 3 lakh/year - the lowest entry point in the BOBCARD range.
CIBIL Score: The Other Variable That Determines Your Credit Limit
Income determines which card you can apply for. But your CIBIL score is the primary driver of the actual credit limit you receive.
| CIBIL Score Range | Approval Likelihood | Impact on Credit Limit |
|---|---|---|
| 750 and above | High - standard approval path | Higher limit; typically 2-3x monthly take-home |
| 700-749 | Moderate - may require additional documentation | Lower limit; may be 1-1.5x monthly take-home |
| 650-699 | Low for standard cards; possible with BOB relationship | Very conservative limit if approved |
| Below 650 | Very low - standard card rejection likely | Prime card (FD-secured) is the recommended route |
Frequently Asked Questions
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Income thresholds, card features, and the Lifetime Free offer for the Eterna card are subject to change without notice. Always verify current eligibility criteria and card benefits at bobcard.co.in before applying. BOBCARD Limited (formerly BOB Financial Solutions Limited) is a 100% subsidiary of Bank of Baroda and an RBI-regulated NBFC. Card issuance is at BOBCARD Limited's sole discretion.
