Bank of Baroda
SNAPDEAL BOBCARD Credit Card
Annual Fee
₹294₹249 + GSTBase Reward
5% points
Foreign Markup
3.5% of the total transaction amount
Welcome Benefits
500 Bonus Reward Points on Spends of ₹5,000 or More
Product Highlights
- 500 Reward Points as a welcome benefit
- 5% cashback on Snapdeal
- 1% fuel surcharge waiver
- Zero liability protection against a lost/stolen card
Category Rewards
Specialty
10X on online & departmental stores
10X
Specialty
10X on online & departmental stores
10X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Snapdeal
5% unlimited cashback on Snapdeal
Reward Calculator
Earns ₹3,900/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
15.6K
BOBCARD Reward Points
₹3.9K
via standard · ₹0.25/pt
Effective rate
2.03%
Annual fee
FREE
Year 1 net
+₹3,900
Year 2+ net
+₹3,900
ongoing
Adjust your spend by reward bucket
3 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, rent, wallet, emi, cash advance, 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 Snapdeal, 10 Reward Points on every ₹100 spent on groceries, online spends & departmental stores, and 4 Reward Points on every ₹100 spent elsewhere.
- 1 Reward Point = ₹0.25 against statement
Benefits & Features
1% fuel surcharge waiver on all fuel purchases between ₹400 and ₹5,000.
Pros & Cons
Pros
- Affordable annual fee of ₹249
- High reward rate on Snapdeal spends
- Good rewards on groceries and online spends
Cons
- Limited benefits outside shopping category
- No lounge access offered
Additional Info
The card is not lifetime free.
The maximum benefit under the fuel surcharge waiver is capped at ₹250 per month.
Capped at 2,000 points per month for grocery, departmental stores, and online spends.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹3.6L+
Self-Emp
₹4.8L+
Networks