Bank of Baroda Snapdeal BOBCARD Credit Card: Fees, Rewards & Benefits
Rewards card
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A budget co-branded card whose standout is an uncapped 5x (~5%) earn on Snapdeal plus a healthy ~1% base, all for a Rs.249 fee waived at Rs.35,000 spend. The lack of lounges and Snapdeal-centric value keep it a niche pick for that platform's shoppers.
Rewards card
The Bottom Line
The Bank of Baroda Snapdeal BOBCARD is built for snapdeal shopper and budget online shopper. With a ₹249 annual fee that is waived on ₹35,000 yearly spend, it offers 5% rewards on snapdeal (online shopping) and 500 bonus points. It makes the most sense if your spending matches snapdeal shopper and budget online shopper.
It earns a base reward rate of 1% and stacks best when your spending lines up with Snapdeal shopper, Budget online shopper. The renewal fee gets easier to justify once you can hit ₹35,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealRegular Snapdeal buyers who benefit from the uncapped 5x (~5%) earn with no monthly limit at a tiny Rs.249 fee.
Low-income users (Rs.3.6 lakh+) wanting a cheap card with a healthy ~1% base earn and easy Rs.35,000 fee waiver.
Probably not for
SkipNo lounge access and a 3.5% forex markup make this unsuitable for travel or overseas spending.
Without Snapdeal spends, the headline 5x benefit goes unused, leaving only the base and capped online rates.
Is It Worth It For You?
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Reward Rates
Bank of Baroda Snapdeal BOBCARD offers 1% basic reward rate.
Quick Calculator
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Welcome Offer
500 bonus Reward Points on spends of Rs. 5,000 or more within the first 30 days of card issuance. Separately, Snapdeal vouchers worth up to Rs. 500 on card usage within the first 30 days of issuance.
Fees & Charges
Eligibility
- Min Income: ₹4.8 Lakhs
- Min Credit Score: 700
- Age 21-60 salaried; min annual income ₹3.6L salaried, ₹4.8L SE; RuPay; waiver on ₹35,000 annual spend.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Withdrawals
- Cash advances do not earn Reward Points.
Transactions below Rs. 100
- Transactions below Rs. 100 do not earn Reward Points.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹249 annual fee. Apply on the Bank of Baroda website.
Apply on Bank of Baroda →We may earn a commission if you apply through this link. It never affects our ratings.
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