BOBCARD Cashback
Bank of Baroda · Mastercard
BOBCARD Cashback card delivers unlimited flat cashback on online spends across all merchants without merchant restrictions.
Annual Fee
₹999
Waived at ₹1.0L spend
Joining Fee
₹999
Base Reward Rate
5X
₹1/pt
Min CIBIL
700
₹3L+ income
Key Features
Welcome Benefits
₹500 Cashback on First Online Spend
Earn ₹500 cashback on first online transaction of ₹500+ within 60 days of activation
Zero Annual Fee for First Year
No annual fee in the first membership year
Reward Rates by Category
Dining
3X
Travel
2X
Online
5X
Shopping
3X
Grocery
3X
Fuel
2X
Utilities
1X
Other
2X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| All Online Merchants | Online Shopping | 5X |
| All Offline Merchants | Offline | 1X |
Milestone Benefits
Annual Fee Waiver
Spend ₹1.5 lakhs to waive the annual fee for the following year
Annual
Airport Lounge Access
Domestic
0 visits/year
International
0 visits/year
Insurance & Protection
Personal Accident Cover
Accidental death cover for primary cardholder
Zero Liability
Report loss promptly
Pros
- Flat 5% cashback on online spends
- No merchant restrictions
- Annual fee waived on spend
- Cashback posted monthly
- Simple rewards structure
Cons
- No cashback on offline/POS spends
- No lounge access
- Monthly cashback cap
Frequently Asked Questions
How much cashback online?+
What offline?+
Is cashback auto-credited?+
Annual fee?+
Any monthly cashback cap?+
Ready to apply?
Apply on the Bank of Baroda website. Usually takes 10 minutes.
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BOBCARD Cashback
₹999/yr · 5X rewards
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