SNAPDEAL BOBCARD – A Co-branded card with Cashback

The features and benefits of SNAPDEAL BOB credit card are described below:

Welcome Benefit

• Snapdeal vouchers of up to Rs. 500 on using the credit card within 30 days of card issuance 

Cashback and Reward Benefits

The cardholders can earn reward points on every Rs. 100 they spend using this Bank of Baroda card as per the spending categories described as follows:

Spending Category	Reward Points per Rs. 100 spent
Snapdeal Website & App	20 reward points (i.e. 5% cashback)
Online Shopping, Departmental Stores & Grocery	10 reward points (up to 2,000 points per statement)
Other Categories	4 reward points

• 1 BOB reward point = Rs. 0.25
• The earned reward points are going to be credited as cashback to the next month’s statement automatically

Other Features and Benefits

• Fuel Surcharge Waiver: 1% fuel surcharge waiver of up to Rs. 250 per month on all fuel transactions between Rs. 400 and Rs. 5,000

• Add-on Cards: 3 free add-on cards for family members who are above the age of 18 years

Suggested Read: Best Co-branded Credit Cards in India

This Bank of Baroda credit card offers up to 5% cashback which is one of the best cashback rates in the market. However, this rate is only limited to the purchases made through Snapdeal. Apart from this, you also get 10 reward points on every Rs. 100 spent on online shopping, departmental stores and groceries which converts into 2.5% cashback. Similarly, you can earn 1% cashback on all your other spends. These reward points are automatically credited as cashback to your statement which eliminates the hassle of utilising reward points to purchase items from the rewards catalogue.

Apart from the cashback benefit, this card only provides a few basic benefits, like a welcome voucher, free add-on cards and fuel surcharge waiver. You do not get any other travel, dining or lifestyle benefit on SNAPDEAL BOB card. So, you can opt for this card for its co-branded benefits and if you shop frequently on Snapdeal or other online platforms. This option can also be considered if you prefer to get rewards in the form of cashback on your spends.

Suggested Read: Best Travel Credit Cards in India

Fee Type	Details
Joining Fee	Rs. 249
Annual Fee	Rs. 249 (from 2nd year onwards)
Supplementary Card Fee	Nil
Finance Charges	3.49% per month i.e. 41.88% per annum
Late Payment Fee	For the amount due: Less than Rs. 100- Nil Between Rs. 100 to Rs. 500- Rs. 100 Between Rs. 501 to Rs. 1,000- Rs. 400 Between Rs. 1,001 to Rs. 10,000- Rs. 750 Between Rs. 10,001 to Rs. 25,000- Rs. 950 Between Rs. 25,001 to Rs. 50,000- Rs. 1,100 More than Rs. 50,000- Rs. 1,300

Click here to check associated charges, along with other terms and conditions.

Criteria	Details
Age	For Primary card: 21 to 65 years For Add-on card: Above 18 years
Occupation	Salaried or Self-employed
Minimum Income	For Salaried: 3.6 lakh For Self-employed: 8 lakh
Documents Required	PAN card Income proofs, like the latest 3 months salary credit as bank statement and ITR Current residence proof Recent passport-size photograph

Here are some credit cards which offer reward and cashback benefits similar to the SNAPDEAL BOB credit card:

Credit Card	Annual Fee	Key Feature
American Express SmartEarn™ Credit Card	Rs. 495	10X membership rewards points per Rs. 50 spent on Flipkart, Amazon & Uber
HDFC Moneyback+ Credit Card	Rs. 500	10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
Flipkart Axis Bank Credit Card	Rs. 500	5% cashback on Flipkart and Myntra
IDFC FIRST Select Credit Card	Nil	Up to 10X reward points on your birthday and select spends

Q. Can I make EMI payments using my SNAPDEAL BOB credit card?
A. Yes, you can convert all your transactions above Rs. 2,500 into smart EMIs of 6 to 36 months tenure using the BOB SNAPDEAL credit card.

Q. What is the cash value of BOB reward points earned through the SNAPDEAL credit card?
A. Each Bank of Baroda reward point earned by using the BOB SNAPDEAL credit card is equal to Rs. 0.25.

Q. What is the forex mark-up applicable on SNAPDEAL BOB credit card?
A. A foreign currency transaction fee of 3.5% is applicable on your SNAPDEAL Bank of Baroda card.