BOBCARD Cashback Credit Card Review
The BOBCARD Cashback, launched in November 2025, pays 5% cashback on eligible domestic online spends and 1% on everything else, credited automatically to your statement.
Its fee can be paid monthly (₹49) or yearly (₹499), but there is no spend-based waiver.
- 5% cashback on eligible domestic online spends
- 1% uncapped on other spends
- Cashback credited automatically to the statement
- Choice of monthly or annual fee
- Up to 3 free add-on cards
- No spend-based fee waiver
- Total cashback capped at ₹1,500 a month
- Needs at least 4 transactions in the cycle
- No cashback on fuel, wallet loads or transactions under ₹100
- No lounge access
Fees and charges
| Item | Detail |
|---|---|
| Fee | ₹49 a month or ₹499 a year (switch once); no spend waiver |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹250 a cycle |
| Forex markup | About 3.5% |
Rewards: how the card earns
| Spend | Cashback |
|---|---|
| Eligible domestic online | 5% |
| Other spends | 1% (no cap) |
| Total monthly cap | ₹1,500 (minimum 4 transactions in the cycle) |
What earns nothing
Fuel, cash, quasi-cash, wallet loads and transactions under ₹100 earn no cashback.
Other benefits
| Benefit | Detail |
|---|---|
| Add-on cards | Up to 3 free |
| EMI | Smart EMI on purchases of ₹2,500+ (6–48 months) |
| Fuel | 1% surcharge waiver, up to ₹250 a cycle |
| Lounge access | None |
Eligibility
Issuer
BOBCARD (Bank of Baroda)
Income
About ₹25,000 a month
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: online shoppers spending ₹10,000–₹30,000 a month online who want automatic cashback.
- Skip if: you mostly shop offline or spend more than ₹30,000 online a month.
Alternatives worth comparing
Final verdict
One of the more generous cashback cards for moderate online spenders, with simple auto-credited cashback. The lack of a fee waiver is the trade-off.
Frequently asked questions
How much cashback does the BOBCARD Cashback give?
5% on eligible domestic online spends and 1% on other spends, with total cashback capped at ₹1,500 a month.
What is the fee?
₹49 a month or ₹499 a year; there is no spend-based waiver.
Is there a minimum transaction requirement?
Yes, at least 4 transactions in the statement cycle for the 5% rate.
What earns no cashback?
Fuel, cash, quasi-cash, wallet loads and transactions under ₹100.
Does it have lounge access?
No.
Last verified: October 2026, against BOBCARD’s Cashback card page and launch coverage (Nov 2025). Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.