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Snapdeal BOBCARD Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of Baroda RuPay Entry

Join / Annual

₹0/₹249

Base Rate

4.0%

Reward Type

Points

Overview

The Snapdeal BOBCARD Credit Card is a Entry credit card issued by Bank of Baroda on the RuPay network. It offers a base reward rate of 4.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹249
Eligibility: Min. annual income of ₹3.60 lakh (salaried) or ₹4.80 lakh (self-employed).

Reward Rates & Cashback Rules

  • MERCHANT – Snapdeal: 20.0% cashback | via Snapdeal website and mobile app
  • CATEGORY – Online Shopping: 10.0% cashback | monthly cap ₹500.0 ⚠️ Cap of 2000 Reward Points per month across Online, Grocery & Departmental stores. Spends beyond this earn base rate.
  • CATEGORY – Grocery: 10.0% cashback | monthly cap ₹500.0 ⚠️ Cap of 2000 Reward Points per month across Online, Grocery & Departmental stores. Spends beyond this earn base rate.
  • CATEGORY – Departmental Stores: 10.0% cashback | monthly cap ₹500.0 ⚠️ Cap of 2000 Reward Points per month across Online, Grocery & Departmental stores. Spends beyond this earn base rate.
  • CATEGORY – Utilities: 4.0% cashback
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points are earned on fuel transactions.

Key Features & Benefits

  • Welcome Benefit 🎁: Receive Snapdeal vouchers worth up to ₹500 upon card usage within the first 30 days of issuance.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
  • Activation Bonus ✨: Get 500 bonus reward points on spending ₹5,000 or more within 60 days of card issuance.
  • Add-on Cards 👨‍👩‍👧‍👦: Up to three lifetime free add-on cards for family members over 18 years of age.

Eligibility Criteria

Min. annual income of ₹3.60 lakh (salaried) or ₹4.80 lakh (self-employed).

Features & Benefits

🎁

Welcome Benefit

Receive Snapdeal vouchers worth up to ₹500 upon card usage within the first 30 days of issuance.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

✨

Activation Bonus

Get 500 bonus reward points on spending ₹5,000 or more within 60 days of card issuance.

👨‍👩‍👧‍👦

Add-on Cards

Up to three lifetime free add-on cards for family members over 18 years of age.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Snapdeal Via Snapdeal website and mobile app
Reward: 20.0% Min Spend: ₹100.0
20%
Online Shopping
Reward: 10.0% Monthly Cap: ₹500.0 Min Spend: ₹100.0
⚠️ Exceptions: Cap of 2000 Reward Points per month across Online, Grocery & Departmental stores. Spends beyond this earn base rate.
10%
Grocery
Reward: 10.0% Monthly Cap: ₹500.0 Min Spend: ₹100.0
⚠️ Exceptions: Cap of 2000 Reward Points per month across Online, Grocery & Departmental stores. Spends beyond this earn base rate.
10%
Departmental Stores
Reward: 10.0% Monthly Cap: ₹500.0 Min Spend: ₹100.0
⚠️ Exceptions: Cap of 2000 Reward Points per month across Online, Grocery & Departmental stores. Spends beyond this earn base rate.
10%
Utilities
Reward: 4.0% Min Spend: ₹100.0
4%
Fuel Exclusion
⚠️ Exceptions: No reward points are earned on fuel transactions.

Value Chart

Assuming basic spends for Snapdeal BOBCARD Credit Card

Category Snapdeal BOBCARD Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹249 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		4.0% 1.0% 1.0% 1.5%
★
Known Rules 		6 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + Snapdeal — 20.0% Points
  • + Online Shopping — 10.0% Points (cap ₹500.0)
  • + Grocery — 10.0% Points (cap ₹500.0)
  • + Departmental Stores — 10.0% Points (cap ₹500.0)
  • + Utilities — 4.0% Points
  • + Welcome Benefit
  • + Fuel Surcharge Waiver
  • + Activation Bonus
  • + Add-on Cards
✗

Cons

  • − No reward on Fuel — No reward points are earned on fuel transactions.
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹12000

Annual Fee

₹249

Net Value

+₹11751

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

Each reward point is valued at ₹0.25. You can redeem them against your statement balance once you accumulate a minimum of 1,000 points.

The card has a joining and annual fee of ₹249 + GST. The annual fee is waived if you spend ₹35,000 or more in the preceding year.

You earn 20 Reward Points for every ₹100 spent on the Snapdeal app or website, which is equivalent to a 5% reward rate. There is no monthly cap on earnings from Snapdeal.

Yes, you will not earn reward points on fuel purchases, cash withdrawals, or any transaction with a value below ₹100.

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