16/04/2024 17 Mar, 2024 To 16 Apr, 2024

Tax Invoice to:

TANMOY MONDAL
VILL 1 NO DIGHIR PAR SUSAMA PALLY SOUTH
24 PARAGANAS SOUTH 743329 356132********0486 15,000.00

Card : RUPAY RUPAY EASY CREDIT CARD

State : WEST BENGAL
05/05/2024
Place of Supply :
.00 .00 DR
GST No:

15,000.00 15,000.00 4,500.00 4,500.00

8,999.58 9,689.58 690.00 .00

0007933211005177969

201 3 0 204

TANMOY MONDAL(PRIMARY CARD-0486)

23/03/2024 BBPS-PAYMENT INR 310.00 310.00 CR
24/03/2024 BBPS-PAYMENT INR 449.98 449.98 CR
24/03/2024 BBPS-PAYMENT INR 225.00 225.00 CR
24/03/2024 F8431Z UPI-DEBJANI KAIBARTA GHO INR 35.00 35.00 DR
24/03/2024 BBPS-PAYMENT INR 50.00 50.00 CR
29/03/2024 F6310Z UPI-DEBJANI KAIBARTA GHO INR 44.00 44.00 DR
30/03/2024 BBPS-PAYMENT INR 500.00 500.00 CR
30/03/2024 BBPS-PAYMENT INR 503.60 503.60 CR
31/03/2024 F8446Z UPI-DEBJANI KAIBARTA GHO INR 32.00 32.00 DR
31/03/2024 F2166Z UPI-MOHAMMAD SADDAM 1 INR 100.00 100.00 DR
31/03/2024 R6355Z UPI-SASVIKA FOODS INR 48.00 48.00 DR
31/03/2024 R5637Z UPI-ARINDAM DAS INR 80.00 80.00 DR
01/04/2024 BILLDESK PAYMENT-MOBILE APP INR 1,300.00 1,300.00 CR
01/04/2024 BBPS-PAYMENT INR 4,000.00 4,000.00 CR

Please register your Mobile No. and Email ID via the BOBCARD mobile app or portal for regular alerts. Alternatively,
for registration or any amendment in the contact details, Please mail us at [email protected] from your registered email ID

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Transaction Details

रवॉड
तारीख संदभ। सं या िववरण ोत मु ा ोत रकम रकम
पॉइंट
Date Ref. No. Particulars Source Source Amt. Amount
Reward
Currency
Points

03/04/2024 BBPS-PAYMENT INR 2,000.00 2,000.00 CR

05/04/2024 R5242Z UPI-GADADHAR DAS INR 20.00 20.00 DR
06/04/2024 F5671Z UPI-RAMSHANKAR SHAW 2 INR 240.00 240.00 DR
14/04/2024 BBPS-PAYMENT INR 351.00 351.00 CR
14/04/2024 F5154Z UPI-DEBJANI KAIBARTA GHO INR 91.00 91.00 DR

Please register your Mobile No. and Email ID via the BOBCARD mobile app or portal for regular alerts. Alternatively,
for registration or any amendment in the contact details, Please mail us at [email protected] from your registered email ID

Chetan Goswamy
(Credit Card Operations)

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Page
 - - -
XXXX0486 Primary 201 3 0 0 204 0 0 0

GO DIGITAL to SELF-SERVICE your card seamlessly. Login Now to your online account

Set Domestic/International
Card Blocking Reset your Card PIN Easy Payment Modes
Card Limit

Activate Auto-Debit for

Raise a Query Redeem Reward Points Request an Add-on Card
Card Payment

Don't have an online account yet?

Register in 2 simple steps: Sign up
Step 1: visit www.bobcard.co.in
Step 2: Provide your details as per screen instructions, verify OTP & click on Submit
Use your generated Username' and Password' to access your credit card account online.

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 YOUR CONVENIENCE IS OUR PRIORITY. Pay Safely & Easy using any of these methods.
AUTO DEBIT BOB WORLD MOBILE APP BOBCARD MOBILE APP INSTA PAY SELF SERVICE PORTAL
Bank of Baroda account holders can You can also make the payment through Download our Mobile App ‘bobcard’ Click Here to pay instantly via Register your card online at our website
use auto-debit facility. Follow the steps: ‘bob World’ mobile app of Bank of Baroda and make your card’s payment through available online modes. and clear your dues by logging anytime.
Complete “Annexure E for Auto Debit after adding your card details in the the available payment menu options. Click Here to Register Now
Registration” and send it to us at credit card section.
[email protected] from your registered
email id post verification from Bank of Baroda
branch. Click Here to Download Form.

Click Here to know on the alternative payment methods.

Important Points to Note

We recommend choosing InstaPay via Bill Desk/ Razorpay, Net Banking, or our Mobile Apps (bobcard and bob World). You'll receive instant notification on your registered mobile number upon successful payment
processing.
Avoid paying your BOBCARD bill through third-party payment methods. BOBCARD has no control over these third-party payment providers nor can trace your payment or assure timely processing. This may result in
delayed updates, leading to avoidable penalties/charges if the due date is exceeded.

Did you Know?

SMART EMIs: Alerts Offers

You can convert your unbilled transactions of ` 2500 or You can get regular alerts for Bill Statements, Card Your BOBCARD brings to you amazing deals &
more into Smart EMIs of 6 to 36 months. Log-in & convert Offers, etc. by registering your Mobile No. & E-mail ID. offers at https://bobfin.in/Offer. Visit regularly to enjoy latest
into EMI now! T&C apply. Write to us at [email protected] from your registered offers and Save Big!
E-mail ID to register now.

CIBIL Information: The company reserves the right to include your name in the list of defaulters in case at least the minimum amount due Be Vigilant. Be Safe.
is not paid fully by the due date as specified in the statement and share the conduct of your credit card account with other Bank/financial
institutions, Credit Information Companies and Statutory bodies in accordance with the Credit Information Companies(Regulation) Act,
> Always use your card on secured website/
and rules made there under 2005 as amended from time to time.
portals. Never click on any suspicious link
Billing Dispute Resolution: a. All contents of the statement will be deemed to be correct and accepted by the Cardholder unless
discrepancy/ irregulations if any is brought to the notice of BOBCARD LIMITED within 15 days from the date of the generation > Keep your Email ID & Mobile No. updated with us.
of statement date or within 45 days from the date of transaction. Inform us immediately in case card is lost or stolen.
b. The necessary action which may include rectification, if any will be done on the basis of merits of individual cases and after due > Never leave your card unattended
investigation to the full and satisfaction of BOBCARD. Investigations conducted by BOBCARD LIMITED shall be final and binding on the
Cardholder. > Change PIN regularly. never share PIN with
anyone.
c.Disputes raised after the period as aforesaid, shall be accepted at the sole discretion of BOBCARD LIMITED.
d.Liability to clear outstanding dues shall not be affected merely by existence of a pending claim or a dispute between the Cardholder and > Check your monthly E- bill statements carefully.
BOBCARD LIMITED

SCHEDULE OF CHARGES
Finance Charges:
l Eterna, Prime, Varunah Plus, Varunah Premium, Yoddha, The Sentinel, Vikram, Rakshamah and Empower Business Credit Cards: 3.25% per month i.e. 39.00% per annum.
l Premier, Corporate, Signature, Assure, and PayTM Credit Cards: 3.49% (41.88%)
l All other Credit Cards: 3.6 per month i.e 43.2% per annum
Example: Card Statement Date: 1st Aug, Transactions Done between 1st Jul and 31st July. Retail Purchase of Rs.1,000 on July 25th, Assuming no previous balance carried
forward from 1st July, the cardholder will receive a statement on 1st August showing outstanding balance of Rs.1,000 with due date of 20th August.
1) If full payment is made within the due date, no finance charges shall be levied.
2) if there is no credit in the account or the credit is less than minimum due, company will charge @ 3.25% finance charge from date of transaction + Rs. 400 late payment charges.
So the dues will be Rs. 1000 + Rs. 40.60 (finance charges @ 3.25% on 1000 from Jul 25th for 38 days) + Rs. 400 + Rs. 39.65 + Rs. 39.65 (SGST @9%+CGST 9%=total 18% GST
will be applicable) =1519.91 for which he will receive the bill dated 1st Sep.
3) If Minimum Payment of Rs. 200/- (minimum payment amount is 5% of total dues or Rs. 200/- whichever is more) is made on 11th August (within the due date), the dues will be
Rs. 1000 – Rs. 200 = Rs. 800 + Rs. 36.12 (Finance charges @ 3.25% on Rs. 1000 for 17 days from Jul 25 – Aug 10 and Finance Charges@ 3.25% on Rs. 800 for 21 days from
Aug 11 – 31) + Rs. 3.25 + Rs. 3.25 (SGST @9%+CGST 9%=total 18% GST will be applicable) = Rs. 842.62 for which he will receive the bill dated 1st Sep.
Late Payment Charges (Charges in case of default) : Will be applicable if the minimum amount due is not paid by the payment due date. Clear funds need to be credited in the card
account on or before the due date. (Details under “TARIFF OF CHARGES' section).
Computation of Exceeding Limit Charges The outstanding on the card account must not exceed the credit limit at any time, failing which cardholder will be charged additional 2.5%
over and above the sanctioned credit limit subject to minimum of Rs.600
Insurance : Insurance benefit Is activated after issuance of Card & for continuation of insurance benefit the card should not be in NPA or Write-Off category at the time of claim.
Insurance benefit not available for Unnati, IRCTC, HPCL & Snapdeal Cobrand Credit Cards.
Interest Free Period : 20 to 50 days in case there is no previous outstanding.
Minimum Amount Due: 5% of outstanding balance or Rs.200 whichever is higher (in case of regular cards). Minimum amount due may vary in case of irregular payments.
Avail Cash Withdrawal Charges: 2.50% of the withdrawn amount or Rs. 500 whichever is higher
Duplicate Bill Charges: Rs.25/-per statement. No charges for E-Statement
Surcharge on usage at Petrol outlets: 1% of fuel transaction amount Surcharge Waived for fuel transactions between Rs. 400 to Rs. 5000 (subject to maximum of Rs. 250 per
statement)
For HPCL: 1% of fuel transaction amount Surcharge Waived for fuel transactions between Rs. 400 to Rs. 5000 (subject to maximum of Rs. 100 per statement)
For IRCTC: 1% of fuel transaction amount Surcharge Waived for fuel transactions between Rs. 500 to Rs. 3000 (subject to maximum of Rs. 100 per statement)
For Snapdeal: 1% of fuel transaction amount Surcharge Waived for fuel transactions between Rs. 400 to Rs. 5000 (subject to maximum of Rs. 250 per statement)
The GST component is not reversed. Fuel transactions eligible for surcharge waiver do not earn Reward Points. Please note that the rate of fuel surcharge may vary depending on the
fuel station and their acquiring bank/network partner. The surcharge is levied by the acquiring bank providing the terminal to the merchant or network. Please also note that 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/network after the transaction.
Cheque Return Charges: 2% of the payment amount subject to a minimum of Rs. 500
Goods and Services Tax (GST): 18% (applicable on all fees, interest & other charges, as per prevailing government guidelines)
Exceeding Limit Surcharges: 2.5% of the amount over & above the sanctioned credit limit or Rs. 600, whichever is higher
Card Replacement Charges: Rs. 100 per card
Charge Slip Retrieval Charges: Rs.250/- per charge slip
Mark Up Fees (Currency Conversion Charges): Eterna/ Varunah Premium/ICAI/ICSI/ CMA: 2% of transaction amount | Rakshamah/ The Sentinel / Yoddha: 3% of transaction
amount | Varunah Plus: 2.5% of transaction amount | Unnati: Not applicable as card cannot be used for international transactions | All other products: 3.5% of transaction amount
Cash Payment Processing Fee: A fee of Rs. 250 will be levied for every credit card repayment done in cash
Cheque Payment Processing Fee: A fee of Rs. 100 will be levied for every credit card payment done using a cheque.
Auto Debit/SI Bounce Fee: 2% of the payment amount subject to a minimum of Rs.500
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 Avail Authorization: If minimum payment is not received on / by due date request for transaction authorization may be declined & it may also lead to cancellation of card.
No Fine Prints : No Hidden Charges
Late Payment Charges

Statement Balance Less than ₹100 ₹100 to ₹500 ₹501 to ₹1000 ₹1,001 to ₹10,000 ₹10,001 to ₹25,000 ₹25,001 to ₹50,000 More than ₹50,000

Charges NIL ₹100 ₹400 ₹750 ₹950 ₹1,100 ₹1,300

Spends criteria Spends criteria

First Year Fees First Year Fees
for reversal Spends criteria for reversal Spends criteria
(levied in the Product (levied in the
Product of first year fees for waiver of first year fees for waiver
first Statement) first Statement)
(spends in of annual fees (spends in of annual fees
/Annual fees /Annual fees
first 60 days) first 60 days)

Swavlamban ₹250 ₹2,500 ₹12,000 Snapdeal ₹249 NA NA

Easy ₹500 ₹6,000 ₹35,000 ICAI Exclusive NIL NA NA

Select ₹750 ₹7,500 ₹70,000 ICSI Diamond NIL NA NA

Premier ₹1,000 ₹10,000 ₹1,20,000 CMA ONE ₹1 NA NA

Eterna ₹2,499 ₹25,000 ₹2,50,000 Unnati NIL NA NA
Prime NIL NA NA IRCTC BoB ₹500/₹350 NA NA
Varunah, The HPCL Energie ₹499 NA ₹50,000
Sentinel, Yoddha, NIL NA NA
Rakshamah ConQR NIL NA NA
Varunah Premium ₹2,499 ₹25,000(180 Days) ₹1,50,000 Corporate NA/ ₹1,000 NA ₹1,00,000
Varunah Plus ₹1,499 ₹15,000(180 Days) ₹1,50,000 Business Empower NA/ ₹500 NA ₹50,000
Nainital Bank
NIL/₹250 NA ₹2,500
Renaissance

IMPORTANT
1. For Fee/Charges/Method of calculation of charges/Billing Disputes & other applicable T&C, kindly visit our website Complaint Redressal Procedure Through Email:-
www.bobcard.co.in to refer Most Important T&C.From 1st February 2023, all rent payment transactions done using your
BOBCARD will attract a fee of 1% on the total transaction amount.
2. Making only the minimum payment every month would result in the repayment stretching over months/years with Credit Card Business Response Time
consequent interest payment on your outstanding balance
Level1 [email protected] 5 Working days*
3. Payment of any amount lesser than the Total Amount Due in any month results in Interest accrual on the balance
outstanding amount including any new purchases and cash advances.
4.BOBCARD is currently being issued for the billing cycles of 1st,7th,16th,18th or 25th of the month as per discretion of
*If your complaint is still unresolved, you can write to:
BOBCARD LIMITED. The cardholder has an one-time option to change the existing billing cycle as available. Cardholder
may write to [email protected] for a change in billing cycle. Mr. Ravi Ranjan Kumar, Grievance Redressal Officer
BOBCARD LIMITED (formerly know as
5. BOBCARD LIMITED follows the pattern of monthly billing cycle & sends statements thru Email/SMS/Hard copy (on
BOB Financial Solutions Limited)
request)once in a month comprising details of transactions and/or payments made during that cycle. Billing Statement can
also be downloaded by the Cardholder on registering the card at https://online.bobcards.com. Any omissions in the 15th Floor, 1502/03/04 DLH Park
statement shall be adjusted in future statements. SV Road, Goregaon (W)
6. Non-receipt or discrepancy in monthly statement needs to be informed by the due date at [email protected] from the Mumbai – 400104
registered email ID. You can also call on Toll Free 24*7 Helpline Nos. 1800-103-1006 or 1800-266-5100/7100 (from Email id- [email protected]
MTNL\BSNL Lines). In case the cardholder does not notify of any such event, the statements shall be deemed to Phone - 022 – 41683700 (Ext. – 433)
have delivered & conclusive.
7. Usage of internationally valid cards outside India must be in accordance with the Exchange Control Regulations of RBI. In
the event of any failure to do so, the cardholder is liable for Penal action under the Foreign Exchange Management Act,
1999. The onus of ensuring compliance with the regulations is entirely on the cardholder.

8.Taxes Applicable: 1) Place of Supply: Maharashtra then CGST 9% & SGST 9% 2) Place of Supply: Other than Maharashtra then IGST 18%
9. Declaration: a) We hereby declare that tax in relation to this statement is not payable under reverse charge mechanism.b) BOBCARD LIMITED hereby declare that though our aggregate turnover
in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified under sub-rule (4) of rule 48, we are not required to prepare an e-invoice in terms of the provisions
of the said sub-rule.
10. For urgent blocking card, please call on Toll Free 24*7 helpline nos. 1800 103 1006 or SMS 'BLOCK' <last 4 digits of your credit card number> at '9223172141' from your registered mobile
number OR block the card online by logging to your customer portal account( Click online.bobcards.com to register if not already registered).
11. Your card insurance details:
Insurance Nominee:BOBCARD LIMITED offers complimentary Air Accident / Personal Accident Insurance Cover on certain cards. To update the nominee details, please fill in complete details in the
nominee section of the application form or mail the nominee Name and Relationship with the Nominee details to [email protected] from your registered Email ID.The said insurance is provided by
a third-party insurance company, who is also responsible for any claim settlement in this regard. BOBCARD LIMITED shall not be responsible for any dispute arising due to the claim settlement. The
insurance issuer can be changed by BOBCARD LIMITED without any prior notice.
Insurance Process: Customer can update claim request at [email protected] and follow details for online submission or send post to Credit Card Insurance, BOBCARD LIMITED, 15th Floor,
1502/1503/1504, DLH Park, S.V.Road, Goregaon West, Mumbai - 400404
Current Insurance Company : National Insurance Company Ltd, Mumbai Office Address, Divisional Office XII (260500), 6th floor, Sterling Cinema Building, Fort, Mumbai - 400001
Telephone IP Phone Number : 260500001
12. Please see below illustrative example of Special Mention Account (SMA)/ Non Performing Asset (NPA) classification methodology. Illustrative example – If due date of a credit card account is
July 20, 2022, and full dues are not received before BOBCARD runs the day-end process for this date, the date of overdue shall be July 20, 2022. If it continues to remain overdue, then this card
account shall get tagged as SMA-1 upon running day-end process on August 19, 2022 i.e. upon completion of 30 days of being continuously overdue. Accordingly, the date of SMA-1 classification
for that card account shall be August 19, 2022.
Similarly, if the card account continues to remain overdue, it shall get tagged as SMA-2 upon running day-end process on September 18, 2022 and if continues to remain overdue further,it shall get
classified as NPA upon running day-end process on October 18, 2022.
Due Date: July 20, 2022

Overdue Days NA 1 31 61 91
Date of
July 19, 2022 July 21, 2022 August 19, 2022 September 18, 2022 October 18, 2022
Classification
Classification
Standard SMA 0 SMA 1 SMA 2 NPA
Status*
*Classification status tracking will depend on the type of facility being extended, for e.g. SMA 0 classification is not applicable for revolving facilities, and will be tracked for SMA 1
onwards.

BOBCARD LIMITED (formerly know as BOB Financial Solutions Ltd.) GST No.: 27AAACB1989L1ZA, SAC/HSN No.: 997119
CIN No.: U65990MH1994GOI081616
1502/1503/1504, DLH Park, S.V Road, Goregaon (W),
Mumbai - 400 104, Maharashtra (27)

www.bobcard.co.in [email protected] 1800-103-1006 or 1800-266-5100/7100 (Toll free)

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