Cardholder Agreement

On application for Bobcard an applicant agrees to abide by the following :

He does declare and confirm that he has personally read and understood and interpreted aim vernacular, in full, before execution of all terms & conditions that have been received by him, it is his responsibility to obtain the terms and conditions applying to the Bobcards International credit card separately and read the same.

He will bound by the terms and conditions as may be in force from time to time. He agrees to be charged the joining fee in my first statement, if applicable. In case of application for add-on(s), he will be billed for such add-on cards in the monthly statement.

He undertakes that the usage of the credit card shall be strictly as per the exchange control regulations of the regulatory authorities as applicable from time to time which he undertakes to keep himself updated with and in any event of any failure to do so, shall be liable for action under the Foreign Exchange Management Act 1999, or its statutory modification or re-enactment thereof.

Credit limit on his card account may be reviewed as per the Bobcards Limited / Bank policies specified from time to time and the bank will entitled to cancel his application/cards/after the credit / cash limit / product upgrade at any time without assigning any reasons.

He authorizes the Bobcard Limited / Bank of Baroda to provide information about the applicant and/or the card account to any office or branch of any company associated with the Bank, any Bank, financial credit bureau and to third parties engaged with Bobcards Limited.

He confirms that the attached photograph is present true identity of him and that of his additional card application, which authorizes him to apply to our credit cards and for which he accepts full responsibility and agrees to make payment against claims raised by BOBCARDS Ltd, in respect thereto. And that this condition applies in addition to the terms of the card member Agreement which governs the use of his card. He also confirms that he is not a defaulter of any Credit Institution / Bank and his repayments are regular.

By signing this application, he understands that all the transactions effected through his card account, he including his successor, legal heirs, assignees shall be lawfully responsible for making payments of the same, as per the payment schedule in force time to time.

He further understand that mere disputing the transaction shall not absolve his prime liability to defer/delay, the payment of his credit card dues and he along with his successor, legal heirs, assignees will be responsible for making payments of the same as per the payments schedule in force from time to time.

He understands that Bobcard Ltd / Bank of Baroda will provide the credit card as per Bank internal guidelines and he gives his consent for issuance of different card in case he is not applicable to the product applied for.

He agrees to abide by the terms and conditions as may be amended by the Bobcards Ltd/ bank from time to time without giving notice to him.

The most important terms and conditions as available on the website https://bobcards.com/most-important-tc.htm have been read by him and he agrees to abide by them.

He understood that bank/company reserves rights to introduce withdraw any of the existing features/conditions including personal Accident cover, nomination details obtained stand null & void in such a case, if arise.

He further understands that in event of settlement of claims by the insurance agency against Personal death accident cover, Bobcards dues, if any shall be appropriated first and balance shall be paid to the nominee.

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