BOBCARD Cashback
Designed as an economical cashback solution, the BOBCARD Cashback Credit Card provides a 5% direct statement return on online transactions across almost all e-commerce merchants. At a low annual fee of ₹499, it automatically credits savings against monthly card dues without points redemption catalogs or conversion delays.
Why We Recommend The BOBCARD Cashback
BOBCARD’s value-conscious alternative to the SBI Cashback card, ideal for moderate online spenders up to ₹30,000 a month.
Everyday online shoppers wanting direct statement credit on a modest annual fee.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BOBCARD Cashback?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹1.00 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BOBCARD Cashback
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Cashback
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BOBCARD Cashback Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
5% direct statement cashback on online spends without point redemption hurdles.
Low annual fee waiver target of ₹1,00,000.
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.
Pros & Cons of the BOBCARD Cashback
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Pure cashback mechanism directly credited against monthly statement dues.
- Low annual fee of ₹499 compared to rival ₹999 cards in the market.
- No specific merchant lock-in for e-commerce purchases.
Things to Consider (Cons)
- Requires a minimum of 4 transactions per statement cycle to unlock the 5% tier.
- Monthly online cashback cap is limited to ₹1,500.
- Zero airport lounge access included.
Who Can Apply for the BOBCARD Cashback?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
710+ Score Recommended
Applicants with a credit score of 710 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Cashback
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from BOB Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
BOBCARD CMA One
Completing BOBCARD’s institutional accounting suite, the CMA One card is dedicated to members of the Institute of Cost Accountants of India (ICMAI). Issued Lifetime Free, it pairs domestic airport lounge access with quarterly milestone bonuses up to 4,000 points and a reduced 2.00% forex markup.
BOBCARD Corporate
An institutional corporate card created for mid-to-large corporate organizations to govern employee travel, lodging, and client entertainment expenses. It features centralized billing ledgers, individual executive credit controls, and domestic airport lounge visits for traveling staff.
BOBCARD Easy (RuPay)
The standard entry card across Bank of Baroda branches, BOBCARD Easy on the RuPay network is built for daily household procurement. It features 5X points on groceries and department stores, links to mobile UPI apps for merchant QR code scanning, and carries an accessible renewal fee waiver threshold of just ₹35,000.
Ready to Apply for the BOBCARD Cashback?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.