All cards / Bank of Baroda
Snapdeal BOBCARD Credit Card
A RuPay co-branded card with Snapdeal aimed at online shoppers — strong cashback on the Snapdeal platform itself, with a modest points rate elsewhere.
Annual fee
₹249
Joining fee
₹249
Reward type
points
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 points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- 🛍️ Shopping
2.5% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 30%–42% p.a.
- 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- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher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
- Snapdeal vouchers worth up to ₹500 on usage within 30 days (if joining fee paid) plus 500 reward points on ₹5,000 spend within 60 days
- 5% unlimited cashback (20 points per ₹100) on Snapdeal app and website; 10 points per ₹100 on online shopping and departmental stores (max 2,000 points per statement); 4 points per ₹100 elsewhere
- Up to 3 lifetime-free add-on cards
Pros
- + Up to 5% cashback on Snapdeal purchases
- + ₹500 welcome voucher
- + Low, symmetric joining/annual fee
Cons
- − Best rewards are Snapdeal-app-specific, not general online shopping
- − No lounge access
- − No stated annual-fee waiver on spend