Bank of Baroda
BOBCARD Cashback Credit Card
Data last verified: 11 October 2026
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Reward rate1% base, up to 5% on online shopping
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹250 a month
This is a straight cashback card. You get 5% back on eligible online spends, up to Rs 1,500 a month, and an unlimited 1% on all other eligible transactions. There are no points to track or redeem.
It costs ₹499 a year plus GST. No spend-based waiver is offered, but it hardly matters: Rs 10,000 of online shopping in a year returns Rs 500, which covers the fee.
It suits people who shop online every month and want simple, predictable returns. It also works well as a 1% card for everything else. The catch: the 5% stops once you hit Rs 1,500 in a month, there are no lounge benefits, and the forex fee is 3.5%.
Best for: Regular online shoppers, People who prefer cashback to points, Anyone wanting a simple everyday card.
01BOBCARD Cashback Credit Card Rewards and Benefits
02BOBCARD Cashback Credit Card Annual Fee and Charges
- Joining fee
- ₹499 + GST
- Annual fee
- ₹499 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹250 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on online shopping, earning 5%₹250
- ₹15,000 on everything else, earning 1%₹150
- Back each month, ₹4,800 a year₹400
- Annual fee with 18% GST−₹589
- In your pocket each year₹4,211
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping: 5% back, up to ₹1,500 a month
Skip it if…
- you spend less than ₹5,000 a month: below that the ₹589 fee costs more than the rewards
- most of your spending is fuel or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on online shopping: 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
04Product Details
- 5% cashback on eligible online spends
- Online cashback capped at ₹1,500 a month
- Unlimited 1% cashback on other spends
- ₹499 annual fee
- 3.5% forex fee
05Pros and Cons
Pros
- Simple cashback, nothing to redeem
- High 5% rate online
- 1% on everything else with no cap
Cons
- 5% capped at ₹1,500 a month
- No fee waiver on spend
- No lounge access
06How BOBCARD Cashback Credit Card earns Rewards
1% base, up to 5% on online shopping.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 5% | ₹1,500 | All merchants in the categoryTerms: 5% cashback on eligible domestic online spends, capped ₹1,500 a month; requires a minimum of 4 transactions in the statement cycle |
| 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 | 1% | No cap | The card's normal rate |
| Insurance premiums | 1% | No cap | The card's normal rate |
| School and college fees | 1% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| 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 |
Terms on the base rate. Unlimited 1% cashback on all other eligible spends, auto-credited monthly
07BOBCARD Cashback Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel-surcharge waiver on transactions of ₹400 to ₹5,000 (max ₹250 a statement cycle)
08BOBCARD Cashback Credit Card Eligibility and Documents
- Age
- 25 to 55 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹25,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Apr 2026 | Reduced: Processing fees added on toll/bus, high-value rail and third-party education spendsSource: Bank of Baroda | None | 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps, each max ₹5,000) |
| Nov 2025 | Changed: BOBCARD Cashback Credit Card launched | - | - |
See this card's change history → · All card changes in April 2026 →
10Cards Similar to BOBCARD Cashback Credit Card
BOBCARD Cashback Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | BOBCARD Cashback Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹499 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹499 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 1% base, up to 5% on online shopping | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
How much cashback can I earn online?
5% on eligible online spends, up to ₹1,500 a month.
Is the fee waived?
No spend-based waiver is offered. The ₹499 fee plus GST applies each year.
Who can apply?
Applicants aged 25 to 55 earning at least ₹25,000 a month, subject to the bank's checks.
What is the joining fee for the BOBCARD Cashback Credit Card?
The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the BOBCARD Cashback Credit Card?
The annual fee is ₹499 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
