In-depth review
BOBCARD Cashback Credit Card
BOBCARD Cashback is Bank of Baroda's flat-cashback card — 5% back on eligible domestic online spends capped at ₹1,500 a month (minimum 4 transactions in the cycle), unlimited 1% on everything else, auto-credited to the statement every month. The fee is ₹49/month or ₹499/year with no spend-based waiver, and fuel, wallet loads, ATM cash and sub-₹100 transactions earn nothing.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
5% on Online Shopping
5% cashback on eligible domestic online spends, capped ₹1,500/month; requires a minimum of 4 transactions in the statement cycle
1% on Other
Unlimited 1% cashback on all other eligible spends, auto-credited monthly
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
online shopping cashback
1.0%
Base rate (all other spends)
₹1,500
Monthly cap (accelerated)
- 5.0% cashback on online shopping
- 1.0% on all other spends — no restrictions
- Accelerated cashback capped at ₹1,500/month
For online-first everyday spenders who want cashback credited automatically without minimum redemption thresholds or reward-point maths. The ₹1,500/month 5% cap suits roughly ₹30,000 of monthly online spend; beyond that the 1% base takes over.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 5% | ₹1,500 |
| Other | cashback | 1% | — |
Online Shopping: 5% cashback on eligible domestic online spends, capped ₹1,500/month; requires a minimum of 4 transactions in the statement cycle
Other: Unlimited 1% cashback on all other eligible spends, auto-credited monthly
Earns nothing on: Fuel · Cash Advances · Transactions below ₹100 · Wallet Loads · Select MCCs per Feature T&C Annexure 1
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Estimated annual value beyond rewards — ~₹300/yr in total.
1% fuel-surcharge waiver on transactions of ₹400–₹5,000 (max ₹250 a statement cycle)
Should you get it?
- Best for: Online-first everyday spenders, People who want automatic monthly cashback with no redemption, First-time cashback-card holders
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Online Shopping (5% back).
Pros & cons
✓ Pros
- 5% cashback on domestic online spends (up to ₹1,500/month)
- Unlimited 1% cashback on all other spends
- Cashback auto-credited to the statement every month — no points to redeem
- Flexible fee — ₹49/month or ₹499/year, switchable once
✕ Cons
- 5% online cashback capped at ₹1,500 a month
- Fuel, ATM cash, quasi-cash and sub-₹100 transactions earn no cashback
- No airport lounge access
- Cashback is limited to eligible categories — select MCCs are excluded
Eligibility & documents
This is the figure for salaried applicants. Where BOBCARD sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Automatic: cashback is credited to the card statement every month — no redemption needed
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The 5% online cashback is capped at ₹1,500 a month, and fuel, ATM cash, quasi-cash and sub-₹100 transactions earn nothing — so the headline rate applies to a fairly narrow slice of spend.
Frequently asked questions
What cashback does the BOBCARD Cashback earn?
What is the annual fee?
Which spends do not earn cashback?
Does it have lounge access?
Is there a fuel-surcharge waiver?
How has the BOBCARD Cashback Credit Card changed over time?
Has the BOBCARD Cashback Credit Card been devalued recently?
When did the BOBCARD Cashback Credit Card's fees last change?
The bottom line
The BOBCARD Cashback does the job an entry cashback card should — 5% on online spends up to ₹1,500 a month and a clean unlimited 1% everywhere else, credited to the statement with no redemption hassle. The ₹1,500 monthly cap and the sub-₹100 / fuel / cash exclusions keep it honest rather than generous, and there is no lounge access, so it is a companion for online shopping rather than a flagship. Heavier online spenders who want a higher cap should compare the [SBI Cashback](/cards/sbi-cashback).
How this page was built
Counted from this card’s own record: 2 earn rules, 1 of them capped, the spends listed as earning nothing and 1 recorded perk.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the BOBCARD Cashback Credit Card are taken from BOBCARD's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
BOBCARD Cashback Credit Card
BOBCARD Cashback is Bank of Baroda's flat-cashback card — 5% back on eligible domestic online spends capped at ₹1,500 a month (minimum 4 transactions in the cycle), unlimited 1% on everything else, auto-credited to the statement every month. The fee is ₹49/month or ₹499/year with no spend-based waiver, and fuel, wallet loads, ATM cash and sub-₹100 transactions earn nothing.
Snapdeal BOBCARD Credit Card
The Snapdeal BOBCARD earns 20 reward points per ₹100 (~5% at ₹0.25/point) on Snapdeal with no stated cap, 10 RP per ₹100 (~2.5%) on other online shopping and departmental stores, and an unusually strong 4 RP per ₹100 (~1%) base rate — all on a ₹249 fee. The catch is that the fee has no waiver or reversal at any spend level, and fuel earns nothing.
BOBCARD Select Credit Card
BOBCARD Select is the BOBCARD Easy's engine with dining and online swapped in as the 5X categories, for ₹250 more a year — 5 reward points per ₹100 (~1% at Bank of Baroda's official ₹0.20/point) on those two, capped at 1,000 points per statement cycle SHARED across both, and 1 RP per ₹100 elsewhere, which is the same base rate the cheaper Easy already gives. No lounge access, and it cannot be linked to UPI. Judge it on whether dining and online are genuinely your two biggest categories — that pairing is the only thing the extra ₹250 buys.
BOBCARD Prime Credit Card
BOBCARD Prime is a secured card issued against a fixed deposit of ₹30,000 or more, with guaranteed issuance and no income proof required. It has zero joining and zero annual fees, links to UPI on a RuPay rail, and accepts applicants from 18 to 85. The rewards are token — 2 RP per ₹100 at ₹0.20 a point is about 0.4%, and fuel earns nothing — so judge it on access and cost, not returns.
HPCL ENERGIE BOBCARD Credit Card
The HPCL ENERGIE BOBCARD earns 24 reward points per ₹150 (~4% at ₹0.25/point) at eligible HPCL outlets plus a 1% HPCL fuel surcharge waiver, with quarterly domestic lounge access on a ₹499 fee that waives at ₹50,000. Both fuel benefits are gated to HPCL's eligible-outlet list and capped at 1,000 points a statement, and the base rate is a weak 2 RP per ₹150 — so it earns its keep only if you are genuinely loyal to HPCL.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · last change Apr 2026
2026
- ▼ FeeEffective 1 Apr 2026
Processing fees added on toll/bus, high-value rail and third-party education spends
None→1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
From 1 April 2026 BOBCARD applied a 1% processing fee across almost all its cards, including the Cashback card: on toll and bus (MCC 4784) spends of ₹5,000 or more, on railway bookings (MCC 4112) of ₹30,000 or more (capped ₹5,000, except the IRCTC card), and on education-fee payments made through third-party apps such as CRED, Paytm, PhonePe and MobiKwik (capped ₹5,000). Only BOBCARD One, Uni and Scapia were exempt. The reward-point changes in the same notice do not touch this pure-cashback card.
Verification: BOBCARD ↗ · Confidence: High
2025
- ◆ LaunchEffective Nov 2025
BOBCARD Cashback Credit Card launched
Bank of Baroda's BOBCARD arm launched its dedicated flat-cashback card in November 2025 (applications opened around 21 November). It earns 5% back on domestic online spends — 1% base plus 4% accelerated, capped at ₹1,500 a month and requiring at least four transactions in the billing cycle — and an unlimited 1% on all other eligible spends, auto-credited to the statement with no points to redeem. Fee is ₹49 a month or ₹499 a year (switchable once); Mastercard network; fuel, ATM cash, quasi-cash, sub-₹100 and select-MCC spends are excluded, and there is no lounge access or complimentary insurance.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/bob-cashback#value-timeline">BOBCARD Cashback Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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