M16S / Bank of Baroda / Bank of Baroda Snapdeal BOBCARD
entry · shopping, cobrand, cashback
Bank of Baroda Snapdeal BOBCARD
The Bank of Baroda Snapdeal BOBCARD costs Rs 249 a year. Its base return is 1% (4 RP per Rs 100). The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 249+ GST
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on bobcard.co.inOpens the bank’s own page.
Fees
| Joining fee | Rs 249 |
|---|---|
| Annual fee | Rs 249 |
| Fee notes | Joining and annual fee Rs 249; no spend-based waiver. |
Rewards
| Welcome benefit | Snapdeal vouchers worth up to Rs 500 on card use within 30 days; 500 bonus RP on Rs 5,000+ spend within 60 days (UPI spends do not qualify) |
|---|---|
| Reward currency | BOBCARD Reward Points |
| Base earn | 4 RP per Rs 100 |
| Base return | 1% |
| Point value | 1 Reward Point = Rs 0.25 as cashback |
| Accelerated earn | 5% unlimited cashback (20 RP per Rs 100) on Snapdeal site and app; 10 RP per Rs 100 on online shopping and departmental stores |
| Caps | 10 RP tier capped at 2,000 RP per statement; UPI spends max 500 RP per statement cycle |
| Spends that earn nothing | Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points. |
| Points expiry | No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC) |
| Reward notes | base_return_pct = 4 RP x Rs 0.25 / Rs 100 = 1.0%. Points are auto-credited as cashback in the next statement. |
Travel and perks
| Forex markup | 3.5% |
|---|---|
| Fuel surcharge waiver | 1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per month |
| Other freebies | No complimentary insurance (MITC) |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher |
| Eligibility | Indian resident, age 21-65. Non-BOB customers: salaried Rs 3.6 lakh, self-employed Rs 4.8 lakh annual income. BOB customers: Rs 2.4 lakh. |
| Fine-print notes | MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. |
Questions
- What is the annual fee of the Bank of Baroda Snapdeal BOBCARD?
- Rs 249 a year, before GST.
- What is the forex markup on the Bank of Baroda Snapdeal BOBCARD?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Bank of Baroda Snapdeal BOBCARD?
- Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.