BOBCARD Cashback Credit Card
BOBCARD (Bank of Baroda)
BOBCARD Cashback Credit Card
BOBCARD (Bank of Baroda)
Annual Fee
FREE
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About BOBCARD Cashback Credit Card
BOB Financial cashback card with unlimited cashback on all categories. No capping on cashback.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleLifetime free — no annual fee ever
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 3% | 300 pts≈ ₹300 |
| All other spends | 1.5% | 150 pts≈ ₹150 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Domestic Airport Lounge
1 complimentary domestic lounge visit per quarter
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at fuel stations
~₹2,500/yr value
Fraud Protection
Zero liability on lost card fraud
~₹1,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,00,000 (ANNUAL)
Annual Fee Waiver – ₹1L Spend: Annual fee of ₹999 waived on achieving annual net spends of ₹1,00,000 in the preceding card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the BOBCARD (Bank of Baroda) website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about BOBCARD Cashback Credit Card.
Ready to apply for BOBCARD Cashback Credit Card?
Apply directly on the BOBCARD (Bank of Baroda) website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.