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Bank of Baroda
BOBCARD Cashback
Cashback
Online Shopping
1st Year Fee: ₹499* Plus Applicable Taxes
Online Shopping
Up to 5% savings on online purchases
Cashback
Unlimited 1% cashback on offline spends
Fuel Benefits
1% surcharge waiver on fuel spends
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About BOBCARD Cashback
BOBCARD Cashback comes with up to 5% cashback benefits on card spends. It offers accelerated cashback earnings on online purchases, making it a good option for frequent online shoppers. Though these savings on online spends are limited to Rs. 1,500 for every month, i.e. up to Rs. 30,000 monthly online spends, a low to average spender would still be able to maximise the benefits without much restriction. On the other hand, offline spends come with unlimited 1% cashback. The earned cashback is credited to the account automatically which makes the value-back process simpler for the card user. Read on to know in detail about the features, benefits and fee structure of BOBCARD Cashback.
Cashback Benefits
This BoB Credit Card offers cashback on spends which is auto-credited to the account on statement date as follows:
- 5% Cashback: On select domestic online spends
- 1% Cashback: On all other card spends1 (Unlimited)
- Capping: 5% cashback is capped at Rs. 1,500 per month
Here, accelerated cashback of 5% is only applicable if the cardholder has made a minimum of 4 card transactions in that statement cycle.
Other Features and Benefits
- Fuel Benefits: 1% fuel surcharge waiver, up to Rs. 250 per month, on fuel spends of Rs. 400 to Rs. 5,000 at all fuel stations across India
- Zero Lost Card Liability: No liability on any fraudulent transactions on reporting loss of card immediately
- Free Add-on Cards: Up to 3 free add-on cards can be issued for the cardholder’s spouse, parents, siblings or kids above 18 years of age
- Smart EMI Option: Convert purchases worth Rs. 2,500 or more into Smart EMIs of 6 to 48 months tenure
BoB Cashback Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Monthly fee of Rs. 49 OR Joining fee of Rs. 499 (plus applicable taxes) | ||||||||||||||||
| Annual Fee | Monthly fee of Rs. 49 OR Annual fee of Rs. 499 (plus applicable taxes) | ||||||||||||||||
| Finance Charges | 3.75% per month i.e. 45% per annum | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You prefer online mode of shopping over making offline purchases
You are looking for a low annual fee credit card with cashback earnings
You wish to avoid the hassle of reward redemption and prefer to get direct cashback on your spends
Eligibility Criteria:
Indian resident
Age (for salaried): 21 to 60 years
Age (for self-employed): 24 to 65 years
Net Annual Income: Rs. 3 lakh and above
Paisabazaar Review
What do we like about this card?
BOBCARD Cashback offers value-back in the form of cashback and favours online shoppers with accelerated savings of 5% on online purchases. Despite the capping of Rs. 1,500 cashback per month on 5% cashback earnings, any average spender would still be able to maximise their savings. The base cashback rate comes without any such limitation and all cashback earnings are auto-credited to account, thus eliminating the added step of rewards redemption. The low annual fee further lets the card users to maximise their savings with minimum cost.
Pros
- Up to 5% cashback on online spends
- Unlimited base cashback rate on other spends
- Effortless savings experience with auto-credited cashback
- Low annual fee with the flexibility to opt for annual or monthly payment plan
Cons
- Capping on accelerated cashback rate
- No option to waive off the card’s annual fee
Frequently Asked Questions
Everything you need to know about this credit card
BOBCARD Cashback comes with an annual fee of Rs. 499. However, cardholders can also choose the monthly fee plan of Rs. 49 per month.
Yes, BOBCARD allows you to change the fee plan between annual and monthly fee payments once during the Cashback credit card’s lifecycle.
5% cashback is offered on select domestic online spends only if you have made at least 4 card transactions in that month. Moreover, this accelerated cashback is also capped at cashback of up to Rs. 1,500 for every month. You will also not earn any cashback on excluded spending categories, as mentioned on this page.
To be eligible for BOBCARD Cashback, the salaried applicant must have a minimum net annual salary of Rs. 3 lakh and a self-employed applicant must have a min. net annual income of Rs. 3.5 lakh.
To get BOBCARD Cashback, salaried individuals must be 21 to 60 years old and self-employed must be 24 to 65 years old. However, add-on cardholders can be 18 years and above.
Footnotes
- Exclusions: Spends made on fuel, insurance, transactions below Rs. 100, govt., education, ATM cashback withdrawal, rent, quasi cash, agriculture, contractor, transportation, telecom, cleaning and maintenance, laundry, select personal services, hospital, wallet, charity, supermarket and convenience store, variety/retail stores, and fast food restaurants.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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