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Snapdeal BOBCARD Credit Card
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Card DetailBOB · RUPAY · Entry tier

Snapdeal BOBCARD Credit Card

The Snapdeal BOBCARD is a single-merchant co-brand on a ₹249 fee. On the Snapdeal website and app it earns 20 reward points per ₹100 — about 5% at ₹0.25/point — and BOBCARD markets this tier as unlimited, with no stated statement cap. Online shopping and departmental stores earn 10 RP per ₹100 (~2.5%), capped at 2,000 reward points a statement, and everything else earns 4 RP per ₹100 (~1%), which is a genuinely strong base rate for an entry card. It is issued only on RuPay, so it links to UPI apps, though UPI spends earn only the core rate and are excluded from the activation benefit and bonus points. The welcome offer is Snapdeal vouchers worth up to ₹500 on card usage within 30 days plus 500 bonus reward points on ₹5,000 of spend in 60 days. The catch is the fee: ₹249 joining and ₹249 annual with no waiver and no reversal at any spend level, so this card never becomes free. Fuel earns no reward points at all.

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Snapdeal BOBCARD Credit Card
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Snapdeal BOBCARD Credit Card

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★ 3.3 / 5 · CardAdvisor rating•Issued by Bank of Baroda•Updated
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3.3
out of 5
Entry tier
A cheap, narrow co-brand that is better than it looks on general spend — 4 RP/₹100 (~1%) base is above what most ₹249 cards pay, and the ~5% Snapdeal tier is uncapped. But the fee has no waiver at any spend, fuel earns nothing, and supermarkets are excluded, so the card only makes sense if Snapdeal is genuinely part of your routine.
Annual fee₹294 incl. GST
Top rate~1%–5%
Best forRegular Snapdeal shopper
~₹125
Welcome benefit
₹3.6 lakh
Min income / year (salaried)
3.5%
Forex markup
~₹1,200
Total perk value / yr

In-depth review

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.

Read the full review →

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹125 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days

⭐

20 points/₹100 on Online Shopping (~5% value)

20 RP per ₹100 (~5% at ₹0.25/point) on Snapdeal purchases, marketed as unlimited with no stated statement cap

⭐

2.5% on Online Shopping

10 RP per ₹100 (~2.5%) on other online shopping and at departmental stores, capped at 2,000 reward points per statement (~₹20,000 of monthly spend)

⛽

Fuel Surcharge Waiver

1% waiver on fuel transactions, capped at ₹250/month

📱

UPI Linked

Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.

Who is this for?

Regular Snapdeal shoppers who will clear the ₹249 annual fee in rewards, and anyone who wants a cheap RuPay/UPI card with a 1% base rate. If you do not shop on Snapdeal, the base rate alone has to justify a fee that never waives.

Full reward structure

What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →

CategoryTypeRateMonthly cap
Online Shoppingonly at Snapdeal website and Snapdeal mobile app onlyreward points5%20 pts/₹100 × ₹0.25—
Online Shoppingreward points2.5%10 pts/₹100 × ₹0.25₹500
Otherreward points1%4 pts/₹100 × ₹0.25—

Online Shopping: 20 RP per ₹100 (~5% at ₹0.25/point) on Snapdeal purchases, marketed as unlimited with no stated statement cap · Snapdeal website and Snapdeal mobile app only

Online Shopping: 10 RP per ₹100 (~2.5%) on other online shopping and at departmental stores, capped at 2,000 reward points per statement (~₹20,000 of monthly spend)

Other: 4 reward points per ₹100 (~1% at ₹0.25/point) on other categories, including UPI spends — a strong base rate for an entry-level card

Earns nothing on: Fuel · Supermarkets / convenience stores / general retail (MCC 5261/5331/5411/5499) · Rent · Wallet Loads · Government & Tax · Education · Insurance · Hospitals · Transportation / toll / bus · Charity · Fast food restaurants

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.

Real annual cost: ₹249 + 18% GST = ₹294 all-in. Joining fee ₹249 + 18% GST = ₹294 all-in. Issuers quote fees before tax — the all-in figure is what you actually pay.
ChargeAmount
Annual fee (incl. 18% GST)₹294
Joining fee (incl. 18% GST)₹294
Finance charge (APR)3.75% p.m.
Forex markup3.5%
Fuel surcharge waiver1%, cap ₹250

Perks & benefits

Estimated annual value beyond rewards — ~₹1,200/yr in total.

⛽
fuel waiver~₹1,200/yr

1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle. Fuel spends themselves earn no reward points

Domestic

Should you get it?

  • Best for: Regular Snapdeal shopper, Someone wanting a cheap RuPay/UPI card with a 1% base rate, First-time card user with modest online spend
  • Entry tier — great for first-time and lower-spend users.
  • Strongest value if you spend heavily on Online Shopping (2.5% back; 5% only at Snapdeal website and Snapdeal mobile app only).

Pros & cons

✓ Pros

  • ~5% back on Snapdeal, with no stated cap on that tier
  • 4 RP/₹100 (~1%) base rate — strong for a ₹249 card
  • UPI-linked RuPay — pay by scanning QR codes
  • Snapdeal vouchers worth up to ₹500 as an activation benefit
  • Up to 3 lifetime-free add-on cards

✕ Cons

  • The ₹249 annual fee has no waiver or reversal at any spend level — it is unavoidable every year
  • Fuel transactions earn no reward points at all
  • The ~5% rate is limited to Snapdeal; the 2.5% online tier caps at 2,000 RP a statement
  • Supermarkets, rent, government and education MCCs earn nothing
  • 3.5% forex markup — not for international transactions

Eligibility & documents

AgeSalaried 21–60 · Self-employed 24–65 years
Min. income (salaried)₹3.6 lakh a year (₹30,000/mo)

This is the figure for salaried applicants. Where BOBCARD sets a separate one for the self-employed, its own eligibility page gives it.

EmploymentSalaried · Self-employed

Documents required

  • 📄PAN card
  • 📄Aadhaar / valid address proof
  • 📄Latest 2 months bank statement reflecting salary credit (salaried) or ITR (self-employed)
  • 📄Recent passport-size photograph

How to redeem rewards

Ways to convert what you earn into real value.

  • 🎁Statement credit / cashback adjustment (₹0.25/point)
  • 🎁Online rewards catalogue (vouchers, merchandise)
  • 🎁Earn reward points on UPI transactions via linked apps

What your BOB Reward Points are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Statement creditBEST

Standard redemption

₹0.25/pt
Gift voucher catalogueBEST

Brand & e-gift vouchers

₹0.25/pt
Compare what every reward currency is worth →
The concern

The ₹249 annual fee has no waiver or reversal criteria at any spend level — unlike almost every other BOBCARD — so you pay it every year regardless. Fuel earns no points, and the 2.5% online tier is capped at 2,000 RP a statement.

Frequently asked questions

What do I earn on Snapdeal?
20 reward points per ₹100 on the Snapdeal website and app — about 5% at ₹0.25 a point. BOBCARD markets this tier as unlimited cashback and publishes no statement cap on it, unlike the 10 RP tier which is capped at 2,000 reward points. In effective-return terms this card's best everyday earn is 2.5% on online shopping (rewards capped at ₹500 a month in that category), against 1% on other spends — percentages here are the real return after converting points at their card-specific value, not the headline points-per-₹100. It reaches 5% at Snapdeal website and Snapdeal mobile app only, and only there. Figures as of October 2026.
Can the annual fee be waived?
No. Unlike most BOBCARDs, the Snapdeal card publishes no fee waiver or reversal criteria — the ₹249 joining fee and ₹249 annual fee apply regardless of how much you spend. Factor that into whether the rewards clear the cost. The renewal fee is ₹249 plus 18% GST — ₹294 all-in, which is the figure that actually hits the statement. Figures as of October 2026.
Which network is it issued on?
RuPay only — there is no Visa or Mastercard version. That lets you link it to PhonePe, Google Pay or Paytm, though UPI spends earn only the core 4 RP per ₹100 and are excluded from the activation benefit and bonus reward points.
What is the welcome benefit?
Snapdeal vouchers worth up to ₹500 on card usage within the first 30 days of issuance, plus 500 bonus reward points on ₹5,000 or more of spend within 60 days. The voucher applies only where the joining fee has been paid, and UPI spends do not qualify. The welcome benefit is currently valued at about ₹125 against a joining fee of ₹294 all-in (incl. GST) — a first-year net of roughly ₹169 against you before any spend-based rewards. Figures as of October 2026.
Does it earn on fuel?
No. Fuel is excluded from the reward programme entirely. You still get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 a statement cycle. This card waives the 1% fuel surcharge, capped at ₹250 — the waiver offsets the surcharge itself, separate from any rewards the fuel spend earns. Figures as of October 2026.
How has the Snapdeal BOBCARD Credit Card changed over time?
Our dated Value Timeline for the Snapdeal BOBCARD Credit Card (on this page) records 10 changes since 2022: 7 devaluations, 2 improvements, and the rest neutral changes such as launches or restructures. The most recent entry: Processing fees added on toll/bus, high-value rail and third-party education spends (1 April 2026). Each event carries its source, so any figure here can be checked against the issuer's own documents.
Has the Snapdeal BOBCARD Credit Card been devalued recently?
Yes — our record shows 6 devaluations to the Snapdeal BOBCARD Credit Card in the last 24 months. The most recent: Processing fees added on toll/bus, high-value rail and third-party education spends, effective 1 April 2026 — from None to 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000). The full dated list, with what changed and its source, is in the Value Timeline on this page.
When did the Snapdeal BOBCARD Credit Card's fees last change?
1 April 2026: Processing fees added on toll/bus, high-value rail and third-party education spends — from None to 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000). The current fee schedule is in the fees table on this page; the Value Timeline lists every earlier fee change we have on record.
How did the Snapdeal BOBCARD Credit Card change in 2025?
Our record shows 7 changes to the Snapdeal BOBCARD Credit Card in 2025 (5 cuts and 2 improvements): UPI reward-point cap removed (1 January 2025); Reward points removed on wallet-load spends (1 January 2025); Processing fees added on wallet-load, high-value utility and fuel spends (1 January 2025), and 4 more. The biggest single change: before 1 July 2025 it was 3.25% per month (39% p.a.); from then on, 3.75% per month (45% p.a.). Every event, dated and sourced, is in the Value Timeline on this page.

The bottom line

A cheap, narrow co-brand that is better than it looks on general spend — 4 RP/₹100 (~1%) base is above what most ₹249 cards pay, and the ~5% Snapdeal tier is uncapped. But the fee has no waiver at any spend, fuel earns nothing, and supermarkets are excluded, so the card only makes sense if Snapdeal is genuinely part of your routine.

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How this page was built

Counted from this card’s own record: 3 earn rules, 1 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 1 recorded perk.

Last updated 11 Oct 2026.

Sources & verification

Fees, reward rates, and benefits for the Snapdeal BOBCARD 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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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.

→

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 2022 · last change Apr 2026

▲ Revaluation▼ Devaluation◆ Neutral / reversed

2026

  1. ▼ 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: 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), and on education-fee payments made through third-party apps such as CRED, Paytm, PhonePe and MobiKwik (capped ₹5,000).

    Verification: BOBCARD ↗ · Confidence: High

2025

  1. ▼ RedemptionEffective 1 Jul 2025

    Auto-redemption of reward points discontinued

    Automatic redemption→Manual redemption via BOBCARD portal/app

    From 1 July 2025 automatic redemption of reward points was discontinued on the Snapdeal BOBCARD; cardholders must now initiate redemption manually through the BOBCARD portal or mobile app.

    Verification: BOBCARD ↗ · Confidence: High

  2. ▼ FeeEffective 1 Jul 2025

    Finance charge raised to 3.75% per month

    3.25% per month (39% p.a.)→3.75% per month (45% p.a.)

    Effective 1 July 2025 BOBCARD revised the monthly finance charge on carried balances and cash advances to 3.75% (45% a year) for all card variants except Eterna, Eterna FD and Tiara. This is the change behind the card's current 3.75%/month rate — it only applies if you revolve a balance or take a cash advance.

    Verification: BOBCARD ↗ · Confidence: High

  3. ▼ RedemptionEffective 1 Jul 2025

    Minimum redemption raised to 1,000 points

    Lower / no fixed minimum→1,000 points minimum

    Effective 1 July 2025 redeeming reward points against the statement balance requires a minimum of 1,000 points, applied across all BOBCARD credit-card variants — a small delay to when points become usable.

    Verification: BOBCARD ↗ · Confidence: High

  4. ▲ RewardEffective 1 Jul 2025

    Utility bill payments earn reward points again

    No reward points on utility bills→Core reward points restored on utility bills

    From 1 July 2025 BOBCARD restored core reward points on utility bill payments (MCC 4900 — electricity, gas, water) across all variants, partly reversing the July 2024 special-category cull that had zeroed them out. Earning is at the card's core base rate, not an accelerated rate.

    Verification: BOBCARD ↗ · Confidence: High

2024

2022

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-snapdeal#value-timeline">Snapdeal BOBCARD Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).

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