SNAPDEAL BOBCARD Credit Card
Bank of Baroda
Annual Fee
₹249
Joining Fee
₹249 + GST
Base Reward
5% points
Foreign Markup
3.5% of the total transaction amount
Interest Rate
3.6% per month
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
Rewards
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.
Redemption
1 Reward Point = ₹0.25 against statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 5%(5% cashback on Snapdeal) | No cap |
grocery | 10%(10 Reward Points on every ₹100 spent) | No cap |
other | 4%(4 Reward Points on every ₹100 spent elsewhere) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Snapdeal | 5% cashback | online |
Benefits & Features
1% fuel surcharge waiver on all fuel purchases between ₹400 and ₹5,000.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Min Income (Salaried)
₹3,60,000
Min Income (Self-Employed)
₹4,80,000
Available Networks
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.