Snapdeal BOBCARD
A co-branded shopping credit card built on the RuPay network for e-commerce and UPI users. At an ultra-low annual fee of ₹249, it delivers an uncapped 5% return (20 RPs per ₹100) on Snapdeal purchases, 2.5% (10 RPs per ₹100) across online shopping, grocery, and departmental stores, and a 1% base return (4 RPs per ₹100) on other eligible spends.
Why We Recommend The Snapdeal BOBCARD
A sleeper-hit budget card offering a 1% base rate and 2.5% on online and grocery spends for just ₹249 a year.
Budget-conscious online and grocery shoppers looking for a 1%–2.5% RuPay UPI card at just ₹249/year.
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
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the Snapdeal BOBCARD
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the Snapdeal BOBCARD
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the Snapdeal BOBCARD
Transparent assessment of travel and airport lounge conditions bundled with this card tier.
Not available
This card focuses rewards on retail, shopping, and everyday cashback rather than travel lounges. Paid access is available at standard airport counter rates.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes Snapdeal BOBCARD Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
High 1% base reward rate (4 RPs/₹100) and 2.5% return on general online, grocery, and department store spends.
RuPay enabled for direct UPI QR scan-and-pay across merchants.
Ultra-low ₹249 + GST joining and annual fee.
Honest Pros & Cons of the Snapdeal BOBCARD
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- One of BOBCARD's highest base reward rates (4 RPs per ₹100 = 1% return).
- 2.5% return on all online shopping and groceries even if you never shop on Snapdeal.
- ₹500 welcome voucher more than covers the ₹249 joining fee.
Things to Consider (Cons)
- Auto-redemption of points was discontinued; cardholders must redeem manually via the BOBCARD app/portal (min 1,000 RPs).
- 2.5% accelerated tier is capped at 2,000 RPs (₹500) per statement cycle.
- No airport lounge access.
Who Can Apply for the Snapdeal BOBCARD?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
700+ Score Recommended
Applicants with a score above 700 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About Snapdeal BOBCARD
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for Snapdeal BOBCARD is ₹249 + GST.
You can have this fee completely waived by meeting the annual spend milestone: Low fixed annual fee of ₹249 + GST (no published spend waiver). Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The Snapdeal BOBCARD features: 5% Unlimited Value Back (20 RPs per ₹100) on Snapdeal & 2.5% (10 RPs per ₹100) on Online, Grocery & Dept Stores.
Base reward: 4 Reward Points per ₹100 on standard eligible retail spends (1.00% return).
Accelerated reward: 20 RPs per ₹100 (5%) on Snapdeal website/app (uncapped); 10 RPs per ₹100 (2.5%) on other online shopping, grocery, and departmental stores (capped at 2,000 RPs / ₹500 per statement cycle).
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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Ready to Apply for the Snapdeal BOBCARD?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.