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BOBCARD Cashback Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
BOBCARD Limited Visa Entry

Join / Annual

₹0/₹499

Base Rate

1.0%

Reward Type

Cashback

Overview

The BOBCARD Cashback Credit Card is a Entry credit card issued by BOBCARD Limited on the Visa network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Cashback.

Annual Fee: ₹499
Eligibility: Min. annual income of ₹3 Lakh for salaried or ₹3.6 Lakh for self-employed.

Reward Rates & Cashback Rules

  • ALL_ONLINE: 5.0% cashback | monthly cap ₹1500.0 ⚠️ Requires a minimum of 4 transactions in the statement cycle to be eligible. The 5% rate is a combination of 1% base + 4% accelerated; the ₹1500 cap applies to the accelerated portion only. Spends above the cap earn 1%.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
  • Free Add-on Cards 👨‍👩‍👧‍👦: Up to 3 lifetime-free add-on cards for family members (spouse, parents, siblings, or children above 18 years).
  • Smart EMI 🛍️: Convert purchases over ₹2,500 into EMIs of 6 to 48 months.
  • Zero Lost Card Liability 🛡️: Protection against fraudulent transactions upon immediate reporting of card loss.

Eligibility Criteria

Min. annual income of ₹3 Lakh for salaried or ₹3.6 Lakh for self-employed.

Features & Benefits

⛽

Fuel Surcharge Waiver

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

👨‍👩‍👧‍👦

Free Add-on Cards

Up to 3 lifetime-free add-on cards for family members (spouse, parents, siblings, or children above 18 years).

🛍️

Smart EMI

Convert purchases over ₹2,500 into EMIs of 6 to 48 months.

🛡️

Zero Lost Card Liability

Protection against fraudulent transactions upon immediate reporting of card loss.

Cashback Engine Rules

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

All Online Spends
Reward: 5.0% Monthly Cap: ₹1500.0 Min Spend: ₹100.0
⚠️ Exceptions: Requires a minimum of 4 transactions in the statement cycle to be eligible. The 5% rate is a combination of 1% base + 4% accelerated; the ₹1500 cap applies to the accelerated portion only. Spends above the cap earn 1%.
5%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for BOBCARD Cashback Credit Card

Category BOBCARD Cashback 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 		₹499 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 1.0% 1.0% 1.5%
★
Known Rules 		5 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + All Spends — 5.0% Cashback (cap ₹1500.0)
  • + Fuel Surcharge Waiver
  • + Free Add-on Cards
  • + Smart EMI
  • + Zero Lost Card Liability
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet Load
  • − No reward on EMI
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

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

Est. Annual Rewards

₹3000

Annual Fee

₹499

Net Value

+₹2501

✅ 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

You earn 5% cashback on online spends. The accelerated 4% portion of this is capped at ₹1,500 per month, which is reached on spends of ₹37,500. Any online spending beyond this amount will earn the base rate of 1%.

Yes, you must complete a minimum of 4 transactions in a statement cycle to be eligible for the 5% accelerated cashback. Also, individual transactions must be ₹100 or more.

The card has an annual and joining fee of ₹499 + GST. There is no fee waiver option available.

Cashback is not provided on fuel, rent payments, wallet loading, EMI transactions, cash withdrawals, and certain other specified merchant categories.

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