There is no verified evidence in the available BOBCARD terms of a 2026 Navratri offer bundle covering Swiggy, AJIO, jewellery and groceries. The specific Navratri-labelled campaign found was a Croma promotion that ran in 2025. Separate BOBCARD pages document past 2026 Swiggy and AJIO offers, while a grocery page lists a Swiggy Instamart discount through 27 December 2026 but does not expose enough terms to confirm the full deal. Check the live offer and checkout conditions before relying on any discount.
Are these BOBCARD discounts available this Navratri?
Not as a verified bundle. The official material available establishes historical offers and one current-looking grocery listing, but does not confirm that BOBCARD is running a 2026 Navratri campaign spanning all four categories in the title. In particular, a past discount for a merchant should not be treated as valid for a new campaign or shopping date.
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The clearest explicitly Navratri-labelled campaign was Croma’s “Phase 1 – Navratri & Dusshera,” dated 22 September–2 October 2025 in the BOBCARD/Croma offer terms. It applied to Croma transactions under its own conditions; it does not establish offers for food delivery, fashion, jewellery or groceries in 2026.
What the published merchant offers say
| Merchant or category | Published offer | Validity and key conditions | Status as of 9 October 2026 |
|---|---|---|---|
| Swiggy food orders | 20% off, up to ₹120, on a minimum ₹499 cart | BOBCARD code BOBCARD120; Friday–Sunday, 24 April–28 June 2026. One restaurant bill; taxes, packing or handling, delivery and surge fees excluded. | Expired |
| AJIO | 10% instant discount, up to ₹1,000, on a minimum ₹3,000 order | Pay with BOBCARD; 10–28 June 2026. Eligibility and return or cancellation conditions apply. | Expired |
| Swiggy Instamart groceries | Flat ₹75 off | BOBCARD’s grocery page lists Friday–Sunday through 27 December 2026; the listing does not establish the minimum cart, usage frequency or complete checkout terms. | Listed through 27 December; confirm live terms and eligibility |
| JioMart groceries | 10% instant discount, up to ₹150, on a minimum ₹650 order | Saturdays and Sundays, 25 April–30 June 2026; once per card per month and one transaction. | Expired |
Swiggy: distinguish food delivery from Instamart
Restaurant orders
The BOBCARD Swiggy food offer page specifies 20% off up to ₹120 on a minimum cart value of ₹499, using code BOBCARD120 from Friday through Sunday during 24 April–28 June 2026. Its stated exclusions mean the percentage applies to the qualifying restaurant bill rather than every amount charged at checkout. The offer period is over and does not verify a Navratri deal.
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Instamart
The BOBCARD festive grocery page lists flat ₹75 off Swiggy Instamart on Fridays, Saturdays and Sundays through 27 December 2026. The listing surfaced without full terms, including a minimum spend and frequency limit. Confirm that the offer is still shown for your card and order, and that the discount appears at checkout, before placing the order.
AJIO: the published discount has ended
BOBCARD’s AJIO offer page states a 10% instant discount capped at ₹1,000 on a minimum ₹3,000 order, valid 10–28 June 2026. That date range has passed. These terms are not evidence of a current fashion offer, and they say nothing about jewellery discounts.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Groceries: JioMart’s terms are historical
The separate BOBCARD/JioMart grocery terms describe 10% off, capped at ₹150, on a minimum ₹650 order, on Saturdays and Sundays from 25 April through 30 June 2026. The terms limit the discount to once per card per month and one transaction. Because the validity ended, it should not be used to estimate savings on a current JioMart order.
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JioUtsav in 2025
In an article published 18 October 2025, BOBCARD described three JioUtsav sale windows: 17–28 September, 2–9 October and 12–18 October 2025. Its examples included 10% off up to ₹500 on spends of ₹2,000 or more in “Other Categories.” The article also described a separate 6.5% offer above ₹30,000 with different caps for full payment and EMI. These were campaign-specific examples with past dates, not a standing Navratri discount. See BOBCARD’s JioMart JioUtsav article for that historical context.
Croma in 2025
The Croma terms describe offline-store and EMI discounts with their own transaction thresholds, category caps and campaign limits for the 22 September–2 October 2025 Navratri/Dussehra phase. Those Croma-specific conditions cannot be applied to other merchants or a later festive season.
How to check whether a BOBCARD offer will actually save you money
- Open the live offer listing. Start with BOBCARD’s credit-card offers page and the specific merchant offer page; confirm the dates include your purchase day.
- Match the payment and order requirements. Check the eligible BOBCARD product, whether the offer requires full payment or EMI, minimum cart or transaction value, online or offline channel, and any code or eligible days.
- Read exclusions and limits. Look for a discount cap, usage frequency, excluded items, extra fees, and return or cancellation rules. A headline percentage does not tell you the value of the discount on your full checkout total.
- Verify at checkout before paying. Confirm the card is eligible and the expected discount appears in the order total. If it does not, do not assume it will be applied later.
BOBCARD’s published terms show why each check matters: the Swiggy food offer required a code and excluded certain fees; JioMart’s expired offer had a monthly frequency limit; and the Instamart listing does not disclose all checkout conditions.
Quick Recap
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