BOBCARD Cashback Credit Card
Updated 3 Jul 2026Source-linked
The BOBCARD Cashback Credit Card is a entry credit card from Bank of Baroda, with a joining fee of ₹499 + GST.
It earns up to 5% on online spends in the form of cashback.
BOBCARD Cashback Credit Card
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 5% on online (cap 1500 cashback inr / monthly)
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
BoBplatinumentryRewards and Benefits
Rewards Rate
5% on online (cap 1500 cashback inr / monthly)
Base 1.00% on other spends.
Reward Redemption
BOBCARD Cashback: Cashback auto-credited to the card statement every month; no redemption needed.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Online shopping₹750/mo
You spend ₹15,000 · earns 5.0% = ₹750 uncapped
- Capped at ₹1,500/mo
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
- Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹12,221/yr₹12,720 rewards − ₹499 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by Bank of Baroda.
- Joining / annual fee of ₹499 + GST.
- Available on the Mastercard network.
Pros & Cons
Pros
- Accelerated earn worth ≈5.0% on online.
Cons
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 5% on online (cap 1500 cashback inr / monthly)5% cashback on eligible domestic online spends, up to ₹1,500/month.
Capping rules
- Transactions below ₹100 and select MCCs are not eligible for cashback.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Other benefits
- Add-on cards. Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 25–55
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.