Snapdeal BOBCARD Credit Card
The Snapdeal BOBCARD Credit Card is a entry co-branded credit card from Bank of Baroda and Snapdeal, with a joining fee of ₹249 + GST.
It earns up to 20 pts per ₹100 (≈3.6% value) on Snapdeal spends in the form of reward points (points).
Welcome benefit: Snapdeal vouchers worth up to ₹500 (activation benefit).
- Joining Fee₹249
- Annual Fee₹249
- Best Suited ForOnline shopping
- Reward TypeReward Points (points)
- 20 pts per ₹100 on snapdeal (cap 2000 points / statement)
- 10 pts per ₹100 on online departmental (cap 2000 points / statement)
- Base 0.72% on other spends
- Snapdeal vouchers worth up to ₹500 (activation benefit)
- 500 bonus reward points
Rewards and 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₹270/mo
You spend ₹15,000 · earns 1.8% = ₹270 uncapped
- Capped at ₹360/mo
- Valued at realized redemption value
- Groceries₹112/mo
You spend ₹8,000 · earns 1.8% = ₹144 uncapped → cap ₹360 clamps it, ₹54 lost to the cap · ₹22 earned at base beyond it
- Cap ₹360/mo reached — extra spend earns base
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Dining & food delivery₹8,000 · 0.7% = ₹58/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.7% = ₹72/mo
- Utilities & bills₹5,000 · 0.7% = ₹36/mo
₹6,566 rewards − ₹249 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded entry card by Bank of Baroda and Snapdeal.
- Joining / annual fee of ₹249 + GST.
- Available on the RuPay network.
Pros & Cons
- Accelerated earn worth ≈3.6% on snapdeal.
- 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.
₹500 welcome benefit
- Snapdeal vouchers worth up to ₹500 (activation benefit)Card usage within first 30 days of issuanceWindow: 30 days from issuance.
- 500 bonus reward pointsSpend ₹5,000 or more within 60 days of issuanceWindow: 60 days from issuance.
Accelerated rewards
- 20 pts per ₹100 on snapdeal (cap 2000 points / statement)5% unlimited cashback (20 RP per ₹100) on Snapdeal website & app. Accelerated RP on Snapdeal ecom/dept-store capped at 2,000 RP/statement cycle (shared with online-departmental) per BOBCARD central Features & T&C 01-Apr-2026; core 4 RP/₹100 continues after.
- 10 pts per ₹100 on online departmental (cap 2000 points / statement)10 RP per ₹100 on online shopping & departmental stores, capped 2,000 RP/statement.
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 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.
Salaried 21–60 yrs; self-employed 24–65 yrs.