Bank of Baroda
Snapdeal BOBCARD Credit Card
Data last verified: 11 October 2026
- Joining fee₹249 + GST
- Annual fee₹249 + GST
- Reward rate1% base, up to 2.5% on online shopping; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹249 + GST
- Annual fee₹249 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹250 a month
01Snapdeal BOBCARD Credit Card Rewards and Benefits
02Snapdeal BOBCARD Credit Card Annual Fee and Charges
- Joining fee
- ₹249 + GST
- Annual fee
- ₹249 + 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 2.5%₹125
- ₹15,000 on everything else, earning 1%₹150
- Back each month, ₹3,300 a year₹275
- Annual fee with 18% GST−₹294
- In your pocket each year₹3,006
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 only at Snapdeal website and Snapdeal mobile app only: 5% back
- Online shopping: 2.5% back, up to ₹500 a month
Skip it if…
- 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
04How Snapdeal BOBCARD Credit Card earns Rewards
1% base, up to 2.5% on online shopping; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05Snapdeal BOBCARD 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 fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle. Fuel spends themselves earn no reward points
06Snapdeal BOBCARD Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹30,000
Documents. PAN card Aadhaar / valid address proof Latest 2 months bank statement reflecting salary credit (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent 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) |
| 1 Jul 2025 | Reduced: Auto-redemption of reward points discontinuedSource: Bank of Baroda | Automatic redemption | Manual redemption via BOBCARD portal/app |
| 1 Jul 2025 | Reduced: Finance charge raised to 3.75% per monthSource: Bank of Baroda | 3.25% per month (39% p.a.) | 3.75% per month (45% p.a.) |
| 1 Jul 2025 | Reduced: Minimum redemption raised to 1,000 pointsSource: Bank of Baroda | Lower / no fixed minimum | 1,000 points minimum |
| 1 Jul 2025 | Changed: Utility bill payments earn reward points againSource: Bank of Baroda | No reward points on utility bills | Core reward points restored on utility bills |
See this card's change history → · All card changes in April 2026 →
08Cards Similar to Snapdeal BOBCARD Credit Card
Snapdeal BOBCARD 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 | Snapdeal BOBCARD Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹249 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹249 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 1% base, up to 2.5% on online shopping; 5% only at partner merchants | 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 |
09Explore 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.
Never Miss Your Snapdeal BOBCARD Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the Snapdeal BOBCARD Credit Card?
The joining fee is ₹249 + 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 Snapdeal BOBCARD Credit Card?
The annual fee is ₹249 + 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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