Bank of Baroda
BOBCARD Cashback Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
1% cashback
Welcome Benefits
N/A
Product Highlights
- 5% cashback on eligible online spends
- 1% cashback on all other spends
- 1% fuel surcharge waiver across India
Category Rewards
Specialty
5% online cashback
5%
Reward Calculator
Earns ₹2,411/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹3K
direct cashback
₹3K
via direct credit
Effective rate
1.92%
Annual fee
₹589
Year 1 net
+₹2,411
Year 2+ net
+₹2,411
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, cash advance, wallet, emi, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5% Cashback on Online Spending Up to ₹1,500/Month and Unlimited 1% Cashback on Everything Else
Redemption
Cashback will be Automatically Added to Cardholders’ Next Month’s Statement
Benefits & Features
N/A
Pros & Cons
Pros
- Simple-to-understand reward structure
- 5% cashback on online purchases
Cons
- No complimentary airport lounge access
Additional Info
Cashback capped at ₹1,500 per month for online purchases
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks