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BOBCARD Cashback Credit Card
75/100 · ₹499/yr
Apply
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
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Bank of Baroda
BOBCARD Cashback Credit Card
Mastercard
Cashback MASTERCARD

BOBCARD Cashback Credit Card

by Bank of Baroda · Data verified 4 days ago

Everyday cashback credit card with 5% monthly cashback on online spends and unlimited 1% on other spends, auto-credited to statement.

75
Score
Based on rewards, fees, benefits & eligibility
₹499
Fee
Waiver available on spending
5
Reward Pts
Base earn rate (per transaction slab)
5.00%
Cashback
On eligible transactions
5 RP Earn
base reward rate
No Lounges
complimentary
₹499/yr
waiver available
75/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Cashback
5.00% on spends
₹
Annual Fee
Card membership
-₹499
Net Annual Value

You save per year!

What's Great

  • 5% flat cashback up to ₹1,500/month on online shopping and subscriptions
  • Cashback auto-credited to card statement with zero redemption fee
  • Flexible ₹49/month fee option
  • Accessible ₹3 Lakh income eligibility threshold

Things to Consider

  • Requires minimum 4 transactions per cycle to qualify for 5% cashback
  • No complimentary airport lounge access
  • Standard 3.5% foreign transaction fee

Perfect For

Online Shopping Food Delivery Everyday Cashback Subscriptions

About This Card

BOBCARD Cashback Credit Card offers simple, transparent savings with 5% cashback on domestic online spends up to ₹1,500/month and unlimited 1% cashback on other spends, auto-credited directly to monthly statement with zero redemption hassle.
Annual Fee
₹499
Waiver
Option to choose monthly fee of ₹49 + GST or annual fee of ₹499 + GST
Joining Fee
₹499

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
3.49% - 3.49%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹250) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹500
Nil
₹501-₹5,000
₹500
₹5,001-₹10,000
₹750
₹10,001-₹25,000
₹1,000
>₹25,000
₹1,200
Monthly Cashback Cap
Maximum cashback you can earn per month
₹1,500/mo
5
Reward Pts
₹1.00
Point Value
5.00%
Cashback

Reward Earning by Category

Category Reward Rate Details
Point Value: 1 point = ₹1.00

Fuel Savings

₹250/mo

Special Offers & Features

  • •5% cashback on eligible domestic online spends auto-credited to statement
  • •1% unlimited cashback on all other eligible retail transactions
  • •Option to choose monthly fee of ₹49 + GST or annual fee of ₹499 + GST

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
75 out of 100

CardSahayak Score

"Apply Now" takes you to Bank of Baroda's official website.

Eligibility

Salaried ₹300,000/mo
Self-Employed ₹360,000/mo
Age 25-55 yrs
CIBIL 720+
Employment Salaried, Self-Employed
Card Variant Standard

Scores

Rewards 49/100
Fees 90/100
Benefits 10/100
Access 57/100

⚡ Quick Compare

Compare with other cards to find the best fit.

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2 Active Offers

Deals & Offers

Exclusive offers available on BOBCARD Cashback Credit Card

Swiggy

Swiggy

Get 15% instant discount up to ₹100 on food delivery orders on Swiggy using BOBCARD with promo code BOBCARD100.

15%
Till 31 Dec 2026 BOBCARD100 dining
Discount
15% up to ₹100
Min Spend
₹499
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Add food items of ₹499+ on Swiggy app.
Step 2: Enter promo code BOBCARD100 on payment page.
Step 3: Pay using BOBCARD (Bank of Baroda Credit Card).
Terms & Conditions

Valid on minimum spend of ₹499. Maximum discount ₹100 per transaction. Valid twice per month per cardholder.

Use Code: BOBCARD100
Visit Offer
Croma

Croma

Enjoy instant savings up to ₹3,000 on consumer electronics, smart TVs, and laptops at Croma using BOBCARD credit cards.

₹3,000
Till 31 Dec 2026 shopping
Discount
Up to ₹3,000 Off
Min Spend
₹15,000
Max Savings
₹3,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop for electronics at Croma stores or croma.com.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Settle payment using BOBCARD credit card.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹3,000. Valid on eligible credit cards.

Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about BOBCARD Cashback Credit Card

To be eligible, you need:
  • • Min age: 25 years
  • • Salaried: ₹300,000/month min
  • • Self-employed: ₹360,000/month min
  • • CIBIL: 720+ recommended
The annual fee is ₹499. The fee can be waived by Option to choose monthly fee of ₹49 + GST or annual fee of ₹499 + GST.
You earn 5 reward points per eligible transaction. Each point is worth approximately ₹1.00. Redeem for flights, hotels, vouchers via Bank of Baroda rewards portal.
No complimentary lounge access. Consider a premium card for this benefit.
  • • Instant: Pre-approved Bank of Baroda customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for BOBCARD Cashback Credit Card today and unlock amazing rewards and premium experiences.

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