India’s first giant collaboration on credit cards, ensuring the privileges of world-class healthcare

Explore a world of benefits with our
Co-branded Credit Cards!

The new world order demands that your credit card empowers your health along with your money. As we move toward cashless transactions, India as a country has shown significant leaps and emerging as one of the fastest-growing economies. Digital spending in India has increased and the pandemic was a pivotal period when Indian consumers experienced the power of credit cards significantly. Now, as the economic activity in India continues to actively improve so will the consumer confidence in using alternative and digital modes of payment. Especially credit cards that explore and open a world of opportunities for you. Having said that, health along with money are top priorities and what more could you demand when there is a credit card that gives you the benefit of both enabled by India’s most extensive service platform. Keeping the future in mind three giants – Foreign OPD®, India’s leading health-tech ecosystem enabler; IRCTC, India’s leading travel services partner and Bank Of Baroda, India’s premium banking service have come together to empower you with a credit card that rewards you both with the privileges that money can buy, most importantly – health!

Foreign OPD Card’s Health benefits v/s other Non- Specific Health Cards in India- A Comparison

Sr No. Corporate Smart Health Card Features IRCTC + FOPD+ BOB Credit Card Card from a healthcare aggregator platform Card from a leading brand of Hospitals
1 Direct access to our International doctors from US & UK for your Second Medical Opinion needs.
2 Concierge Service in Foreign OPD affiliated hospitals and clinics.
3 Priority-lab™ check-in privilege in our affiliate labs & diagnostic centers.
4 Priority-delivery™ (within two hours flat!) of medicines through India’s largest network of Foreign OPD affiliate pharmacies.
5 All India Network of Pharmacies, Labs & Diagnostic Centers over 1,000 to choose from
6 Widest network of globally renowned medical experts from India
7 Benefits in various premium health & wellness centers, spas, yoga, farm stays (Discounts on health supplements and other heath & lifestyle products
8 Upgradation to premium admission in hospitals under our exclusive IPD Assistance Program
9 24x7 Platinum Assist Program: Enjoy a Concierge Service exclusively designed for your corporate health needs – inspired by the need of your business, lifestyle and your health goals.
10 Best reward point: Enjoy complimentary enrolment to the Membership Rewards Program and earn Reward Points for every transaction
11 Instant card activation for the customer for quick and easy use of the card and Foreign OPD services.

Welcome Offer

  • Get 500 Reward Points worth Rs. 500 on payment of the joining fee.
  • Complimentary One year Platinum Assist Program

Attractive discounts on IRCTC booking

  • Avail of massive discounts on IRCTC ticketing – railways, flights, buses or cruises
  • Priority rewards when you avail of IRCTC Hotels and Railway Lounges
  • Attractive offers on holiday packages
  • Attractive offers on special tours

Contactless Advantage

  • Daily purchases now made easy with the IRCTC+FOPD+BOB card. Simply wave your card at a secure reader to transact
  • Fast & convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases
  • Security: The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is waved multiple times at the reader, the unique security key feature of MasterCard Contactless will ensure that only one transaction goes through, thus making it more secure
  • Please click here to download FAQs
  • Please click here to download the list of Merchants enabled for transactions. Use your card to make payments at any outlet that accepts Visa or MasterCard.

Worldwide Acceptance

  • Your IRCTC+FOPD+BOB is an international credit card and can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India
  • Use your card to make payments at any outlet that accepts MasterCard.

Add-on Cards

  • With your IRCTC+FOPD+BOB, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18 years.

Utility Bill Payment

  • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your IRCTC+FOPD+BOB

Balance Transfer on EMI

  • Save money while paying your credit card dues.
  • Transfer the outstanding balance of other banks’ credit cards to your IRCTC+FOPD+BOB, and avail a lower rate of interest and pay back in EMIs.
  • Log on to bobcards.com with your user ID and password to benefit from this service.
  • Click here to know more about Balance Transfer on EMI.

Flexipay

  • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your IRCTC+FOPD+BOB, and log in with your username and password to bobcards.com within 30 days of purchase to convert it into Flexipay.
  • Click here to learn how to book Flexipay.

Easy Money Facility

  • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep.
  • Log in with your username and password to bobcards.com to book Easy Money.

WELCOME BENEFITS

Total Card Value worth Rs. 20,000.

  • Foreign OPD Smart Health Card worth Rs. 2500. (Includes Full body Health checkup)
  • Concierge Care Clinic Access worth Rs. 5000
  • International Doctor SMO - $ 100 (Rs. 7500)
  • Doctor consultation: Rs.2400
  • FOPD 24x7 Platinum Assist Program worth Rs.2000

Key Highlights

Joining fee Joining Fee (one-time): Rs. 750 + Taxes
Renewal Fee (per annum): Rs. 750 + Taxes
Exclusive Access to Foreign OPD® Concierge Care clinics worth Rs. 5000
  • Zero waiting Hour
  • Priority Lab Check -in
  • Priority Delivery of medicine
  • Foreign OPD Lounge Access
  • OLA Club Class travel
Doctor Consultation worth Rs.2400
  • 12 Doctors Consultation With Max Rs. 200 off per consultation
  • 24*7 Doctor Consultation facility for the whole family.
Full Body Health Check-up
  • Complimentary annual preventive Health Check-up (125 parameters)
  • Complimentary annual Eye, Dental & General Physician Consultation
    • (for more details please refer Annexure-1)
Foreign OPD® 24 X 7 Platinum Assist Program worth Rs.2000 Enjoy Concierge Service exclusively designed for your corporate health needs inspired by the need of your business, lifestyle and your health goals. Call your very own Platinum Health Concierge 022 4939 2222
(for more details please refer Annexure-2)
Emergency Second Medical Opinion Emergency Second Medical Opinion in Over 45+ Specialties
(for more details please refer Annexure-3)
E-Health Record Maintain your Personal Health record for Free.
Technologically enabled The card can be availed of through Foreign OPD® mobile app downloadable both on Android and iOS systems

BENEFITS AND FEATURES

Reward Benefits for Foreign OPD Credit Card Holders
  • 10% Cashback on OPD Consultations
  • 10% Cashback on Lab & Diagnostics
  • 10% Discount on Pharmacy
  • 15% Cashback on Second Medical OpinionInternational Doctors
    *Not applicable when International Second Medical Opinion consultation voucher is used ($100)
  • 15% Cashback on Second Medical Opinion- Indian Doctors
  • 10% Cashback on Concierge Care Clinic
  • 10% Cashback on Hospital Admission
Reward Point 1 Reward Point = Rs. 0.25/-
Reward Points (Base) 2X i.e. 4 reward points on every Rs. 100 spent on:
  • Grocery
  • Departmental stores (Max. 1000 RP per month)
Reward Points (Accelerated on FOPD Healthcare Services bookings) Not Applicable
(Since FOPD is offering cash back there will be no accelerated reward points.)
Exclusive Dashboard Access To understand the progress and keep records while execution of ease of navigation through our mobile application.
FOPD Reward Points 1 Reward Point = Rs. 1.
Wallet Recharge Get an additional 20% on FOPD Wallet Recharge
Non-resident and globe trotter Indians Assistance and consultation through our widest network of International doctors and medical fraternity
Access to our International doctors Direct access to our International doctors from US & UK for your Second Medical Opinion needs in India or abroad across 45+ subspecialties
Point Life Cycle Following is the life cycle of loyalty points through the Loyalty program
  • Accrual- Reward Points will be accrued on booking of consultation through Foreign OPD for Doctor Consultation, Labs and Diagnostics, Second Medical Opinion for International Doctors or Indian Doctors and Hospital Admission by the Card as per procedure mutually agreed
  • Redemption- Reward points only to be availed on booking of consultation through Foreign OPD for Doctor Consultation, Labs and Diagnostics, Second Medical Opinion for International Doctors or Indian Doctors and Hospital Admission.
    1. If the reward points are not sufficient, Bank of Baroda (BOB) will evaluate the options of additional points purchase or points plus card.
    2. For the period when FOPD- IRCTC and Bank of Baroda (BOB) system integration is completed, the Reward Points may be redeemed as cash back against the outstanding amount on cobranded credit card. This facility will be withdrawn as soon as the system integration is completed to allow seamless redemption of reward points on the IRCTC platforms.
    3. 1 Reward Point will be worth Rs. 0.25/- on redemption.
Expiry- Unused points will expire after 2 years.
Points Liability will be with the Bank of Baroda (BoB).

ANNEXURE- 1

PLATINUM MEDICAL PACKAGE- FULL BODY HEALTH CHECKUP

  • CBC
  • SGOT
  • SGPT
  • TOTAL BILURUBIN
  • BUN
  • CREATTININE
  • ELECTROLYTES
  • LDL
  • TOTAL CHOLESTEROL
  • CALCIUM
  • RBS
  • CHEST X-RAY
  • URINE EXAMINATION
  • STOOL EXAMINATION


MEDICAL EXAMINATION

  • DOCTOR CONSULTATION
  • DENTAL CONSULTATION
  • EYE EXAMINATION


ANNEXURE- 2

FOPD- 24x7 Platinum Assist Program

  • 24 X 7 access to the platinum care team, including your personal physician
  • Same-day or next day – zero waiting hour’s appointment.
  • Customized wellness plan covering nutrition, relaxation and stress management regime with exercise & lifestyle management programs.
  • Diagnosis and management of on-going medical conditions.
  • Personalized referrals to recommended specialists
  • Assistance with hospital admission and scheduling doctor’s appointment.
  • In-house immunizations.
  • Travel consultation medicine.


ANNEXURE- 3

OUR AREA OF SPECIALTIES

  • CARDIO VASCULAR THORACIC SURGERY
  • GENERAL SURGERY
  • ONCOLOGY
  • PRIMARY CARE PHYSICIAN
  • CARDIOLOGY
  • GENOMIC MEDICINE .
  • OPHTHALMOLOGY
  • PROCTOLOGY
  • CRITICAL CARE
  • HEMATOLOGY
  • ORTHOPEDIC
  • PSYCHIATRY
  • DENTISTRY
  • IMMUNOLOGY
  • PEDIATRICS
  • PULMONOLOGY
  • DERMATOLOGY
  • INFECTIOUS DISEASES
  • PEDIATRIC NEUROLOGY
  • RADIOLOGY
  • DIABETOLOGY
  • LAPAROSCOPIC SURGERIES
  • PEDIATRIC ENDOCRINOLOGY
  • RHEUMATOLOGY
  • EMERGENCY MEDICINE
  • MEDICAL ONCOLOGY
  • PEDIATRIC SURGERY
  • ROBOTIC AND BARIATRIC SURGERY
  • ENDOCRINOLOGY
  • NEPHROLOGY
  • PEDIATRIC GASTROENTEROLOGY
  • SPORTS MEDICINE
  • ENT
  • NEUROLOGY
  • PEDIATRIC ORTHOPEDIC
  • TRANSPLANT SURGEON
  • GASTROENTEROLOGY
  • NEUROSURGERY
  • PHYSICAL MEDICINE AND REHABILITATION
  • TRAUMA
  • GASTROENTEROLOGY SURGICAL
  • OBSTETRICIAN GYNECOLOGY
  • PLASTIC SURGERY
  • UROLOGY
  • ENDOCRINE SURGERY


ANNEXURE- 4

TERMS & CONDITIONS

  • Concierge Care Clinics Clinic Visit will depend upon the availability of the doctors. Discounts shall be applicable. Concierge Care Clinics will be available in select city only.
  • Annual Medical Checkup - It can be availed after taking a doctor consultation on FOPD website (offline only). Prior appointment required for health Checkup services. Medical package is only available for 1 person. For health checkup, FOPD doctor consultation is mandatory. Call 48 hrs. prior to our patient care executive on 022-49392222. Valid only for offline booking
  • Lab & Diagnostics: Includes both NABL and Non-NABL Labs. Trusted labs: Every test booked via Foreign OPD® is conducted by an ISO or NABL certified lab that is 100% verified and trustworthy. At Foreign OPD®, you save at every step! On diagnostic tests, get up to 80% OFF on various tests and test packages.
  • Pharmacy: 20% - 80% discount applicable only for Generic medicines.
  • Free home delivery – Free home delivery of medicine depending upon the availability of the medicine.
  • All the Smart health card offers will be accepted at select Foreign OPD Clinics/ Hospitals/ Labs Diagnostic centers and Pharmacy only.
  • Free home visit– Sample collections will be done at a minimum billing of INR 1,000 and above
  • Card offer can be redeemed an all days except Sunday
  • Reports (Timely & accurate): Once collected, samples will be sent to labs for processing
  • No movement of card variants within a year of purchase.
  • Card validity will be similar to validity mentioned on IRCTC-BOB-FOPD Co-Branded Credit Card.
  • No two offers can be consumed together. Multiple discount and benefits cannot be clubbed in a single transaction.
  • Cash Back: Is credited in the FOPD Wallet after the successful booking and completion of Doctor Consultation, Labs and Diagnostics, Pharmacy, Second Medical Opinion for International Doctors or Indian Doctors. Will be credited 60 days after hospital discharge
  • FOPD indicates for Foreign OPD
022 4939 2222