BOBCARD Cashback Credit Card Review
The BOBCARD Cashback is a straightforward online-shopping card: 5% cashback on select domestic online spends and unlimited 1% on everything else. With a low fee (and an unusual monthly-fee option), it’s an easy second card for online buyers. Here is the verified review.
- 5% cashback on select online spends
- Unlimited 1% cashback on all other spends
- Low ₹499/year fee (or ₹49/month option)
- 1% fuel surcharge waiver (up to ₹250/month)
- Up to 3 free add-on cards
- 4% accelerated cashback capped ₹1,500/month
- Needs ≥4 transactions/cycle to earn the 4%
- Offline spends earn only 1%
- “Select” online merchants — check eligible list
- No lounge access
Fees & cashback
| Item | Detail |
|---|---|
| Fee | ₹499 joining/annual, or ₹49/month |
| Online spends | 5% (4% accelerated + 1% base); 4% capped ₹1,500/month |
| All other spends | Unlimited 1% cashback |
| Condition | Min 4 transactions in the cycle for accelerated cashback |
| Fuel surcharge waiver | 1% (₹400–₹5,000, up to ₹250/month) |
Eligibility & documents
Age (salaried)
21 to 60 years
Age (self-employed)
24 to 65 years
Recommended CIBIL
~720+
Network
Visa / RuPay
Best for
Frequent online shoppers
Documents
PAN, Aadhaar, income & address proof
Cashback — the real math
The 4% accelerated cashback caps at ₹1,500/month, which corresponds to roughly ₹37,500 of qualifying online spend a month — generous for most users. Hit the simple 4-transaction condition and online buyers will comfortably bank the maximum, while the unlimited 1% on everything else gives a sensible floor. The ₹49/month fee option is handy if you want to try the card without committing to an annual charge.
Who this card is for
- Best fit: regular online shoppers who want simple, capped 5% cashback plus a 1% floor.
- Skip if: most of your spend is offline, or you want lounge/travel perks.
How to apply & how to cancel
Apply: via bobcard.co.in. Cancel: call BOBCARD customer care after clearing dues.
Final verdict
The BOBCARD Cashback is a clean, low-fee online-cashback card — 5% on select online spends and unlimited 1% elsewhere, with a flexible monthly-fee option. Respect the ₹1,500 monthly cap and the 4-transaction rule and it’s an easy win for online shoppers; offline-heavy spenders will get less from it.
Frequently asked questions
How much cashback on online spends?
5% on select domestic online spends (4% accelerated + 1% base), with the 4% capped at ₹1,500/month.
What’s the fee?
₹499 joining/annual, or a ₹49/month option.
Any conditions for the accelerated cashback?
Yes — you need a minimum of 4 transactions in the statement cycle to earn the 4% accelerated cashback.
Is there a base cashback?
Yes — unlimited 1% cashback on all other (non-accelerated) spends.
Data current as of June 2026, cross-checked against BOBCARD and . Confirm current terms on bobcard.co.in before applying.