BOBCARD Cashback Credit Card
Comprehensive review of BOBCARD Cashback Credit Card by Bank of Baroda — fees, reward earning rates, airport lounge access, and key benefits.
Card overview
- Joining fee
₹499 + GST
- Annual fee
₹499 + GST
- Best suited for
Shopping
- Reward type
Cashback
Rewards & cashback
- Rewards rate
5% Cashback on Online Spending Up to ₹1,500/Month and Unlimited 1% Cashback on Everything Else
- Reward redemption
Cashback will be Automatically Added to Cardholders ’ Next Month’s Statement
Fees & charges
- Interest rates
Monthly – 3.75% | Yearly – 45%
- Fuel surcharge waiver
1% Waiver on Transactions Between ₹400 and ₹5,000
- Cash advance charges
2.5% or ₹500, Whichever is Higher
Product highlights
- BOBCARD Cashback Credit Card offers 5% cashback on eligible online spends.
- Cardholders shall also be eligible for 1% cashback on all other spends.
- 1% Fuel surcharge waiver across India.
Pros & cons
Pros
- This card offers a simple-to-understand reward structure, which is great for those starting out on their credit journey.
Cons
- There is no complimentary airport lounge access with the BOBCARD Cashback Credit Card.
Frequently asked questions
How to use the cash back earned through the credit card?
You will automatically receive your Cashback on your next month’s statement.
What is the annual fee of the BOBCARD Cashback Credit Card?
The annual fee for the card is ₹499, but you can also pay ₹49 monthly.