All cards / Bank of Baroda
BOBCARD Cashback Credit Card
BOBCARD's answer to SBI's Cashback Card — a pure cashback product with no points to track or redeem. It pays 5% back on eligible online spending and 1% on everything else, with cashback applied straight to the statement each cycle.
Annual fee
₹499
Joining fee
₹499
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. It's worth the annual fee mainly if your cashback value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- 🛍️ Shopping
5% reward rate (capped ₹1,500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- 5% cashback on eligible online spends and 1% cashback on all other spends, credited automatically to the statement.
Pros
- + Low fee: either ₹49 a month or ₹499 a year (no hidden charges)
- + Simple automatic cashback — no redemption hassle
- + 5% back on online spends
Cons
- − Monthly cap on the 5% online cashback tier
- − Only 1% back on offline spends
- − No lounge access or travel perks