Is the Snapdeal BOBCARD Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Shopping card
- Needs ₹30,000 a month income
- ₹294 fee a year (with GST)
- 1% base, up to 2.5% on online shopping; 5% only at partner merchants
- Pays in reward points
- online shopping only at Snapdeal website and Snapdeal mobile app only: 5% back
- online shopping: 2.5% back, up to ₹500 a month
- you spend less than ₹2,500 a month: below that the ₹294 fee costs more than the rewards
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you rarely spend on Snapdeal website and Snapdeal mobile app only: the 5% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 4 reward points per ₹100 (~1% at ₹0.25/point) on other categories, including UPI spends, a strong base rate for an entry-level card
Also earns nothing on: Supermarkets / convenience stores / general retail (MCC 5261/5331/5411/5499), Transportation / toll / bus, Fast food restaurants.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate | - |
| Online shopping | 2.5% | ₹500 | Anywhere else in the categoryTerms: 10 RP per ₹100 (~2.5%) on other online shopping and at departmental stores, capped at 2,000 reward points per statement (~₹20,000 of monthly spend) | - |
| Online shopping, only at listed merchants | 5% | No cap | Only at: Snapdeal website and Snapdeal mobile app onlyTerms: 20 RP per ₹100 (~5% at ₹0.25/point) on Snapdeal purchases, marketed as unlimited with no stated statement cap | - |
| Dining and food delivery | 1% | No cap | The card's normal rate | - |
| Groceries | 1% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 1% | No cap | The card's normal rate | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | Earns nothing | - | earns nothing on this card | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate | - |
| Everything else | 1% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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