The BOBCARD Cashback from Bank of Baroda offers rewards for both online and offline spending. Cardholders can enjoy up to 5% savings on online purchases, unlimited 1% cashback on offline transactions, and a 1% fuel surcharge waiver. The first-year fee is ₹499 plus applicable taxes. Rated 3.5/5.
BOBCARD Cashback provides up to 5% cashback on card transactions, with higher rewards on online purchases, making it ideal for frequent online shoppers. Online cashback is capped at Rs. 1,500 per month (for spends up to Rs. 30,000), while offline spends earn unlimited 1% cashback. Rewards are automatically credited, ensuring a hassle-free experience.
This credit card provides automatic cashback on your purchases, credited directly to your account on the statement date:
5% Cashback: On selected online purchases within the country
1% Cashback: On all other spending¹ (no limits)
Monthly Cap: Maximum cashback of Rs. 1,500 per month for 5% category
Eligibility: The enhanced 5% cashback applies only if at least 4 transactions are made on the card during the statement period
Fuel Savings: Enjoy a 1% waiver on fuel surcharge, capped at Rs. 250 per month, on fuel purchases between Rs. 400 and Rs. 5,000 at any fuel station in India.
Zero Liability Protection: Cardholders are not responsible for any fraudulent transactions if the card is reported lost immediately.
Complimentary Add-on Cards: Issue up to 3 add-on cards for family members, including spouse, parents, siblings, or children above 18 years.
Flexible EMI Option: Convert purchases of Rs. 2,500 and above into easy EMIs with tenures ranging from 6 to 48 months.
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Monthly fee of Rs. 49 OR Joining fee of Rs. 499 (plus applicable taxes) | ||||||||||||||||
| Annual Fee | Monthly fee of Rs. 49 OR Annual fee of Rs. 499 (plus applicable taxes) | ||||||||||||||||
| Finance Charges | 3.75% per month i.e. 45% per annum | ||||||||||||||||
| Late Payment Charges |
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Who Should Consider This Card:
You mainly shop online rather than offline.
You want a credit card with a low annual fee and cashback rewards.
You prefer direct cashback on your spending instead of dealing with reward redemption.
Eligibility Requirements:
Must be an Indian resident
Age: 21–60 years for salaried applicants; 24–65 years for self-employed applicants
Minimum Annual Income: Rs. 3 lakh or more
The card comes with an annual fee of Rs. 499. Alternatively, cardholders can opt for a monthly fee plan of Rs. 49 per month.
Yes, you can change your fee plan from annual to monthly or vice versa once during the card’s lifetime.
The 5% cashback applies only to select domestic online purchases and only if at least 4 transactions are made on the card in that month. Additionally, the cashback is capped at Rs. 1,500 per month and does not apply to certain excluded categories.
Salaried applicants: Minimum net annual income of Rs. 3 lakh
Self-employed applicants: Minimum net annual income of Rs. 3.5 lakh
Salaried individuals: 21–60 years
Self-employed individuals: 24–65 years
Add-on cardholders: 18 years and above
