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BOBCARD Cashback Credit Card

BOBCARD has introduced a card tailored for individuals who prefer to shop online. This credit card stands out for its generous cashback, making it highly attractive to frequent online shoppers. Cardholders can earn 5% cashback on all online purchases, capped at ₹1,500 per month, enabling substantial savings as they shop across various e-commerce platforms. The card rewards users with 1% cashback on all other eligible spending, ensuring that every transaction, whether online or offline, earns a reward.

The card is available with a flexible fee structure, giving users the option to pay a joining fee of ₹49 per month or an annual fee of ₹499, depending on their preference. Although there is no welcome benefit upon joining, the cashback offer makes the card especially appealing to those looking to maximize value from their purchases. Overall, the BOBCARD Cashback Credit Card aims to make the shopping experience more exciting and rewarding by offering direct cashback and flexible payment options, making it an excellent choice for modern consumers who appreciate both savings and convenience.

BOBCARD Cashback Credit Card

( 4.6 / 5 )
BOBCARD Cashback Credit Card
  • Joining Fee₹499 + GST
  • Annual Fee₹499 + GST
  • Best Suited ForShopping
  • Reward TypeCashback

Rewards Rate

5% Cashback on Online Spending Up to ₹1,500/Month and Unlimited 1% Cashback on Everything Else

Welcome Benefits

N/A

Movie & Dining

N/A

Rewards Rate

5% Cashback on Online Spending Up to ₹1,500/Month and Unlimited 1% Cashback on Everything Else

Reward Redemption

Cashback will be Automatically Added to Cardholders ’ Next Month’s Statement

Travel

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    N/A

    Interest Rates

    Monthly – 3.75% | Yearly – 45%

    Fuel Surcharge Waiver

    1% Waiver on Transactions Between ₹400 and ₹5,000

    Cash Advance Charges

    2.5% or ₹500, Whichever is Higher

    • BOBCARD Cashback Credit Card offers 5% cashback on eligible online spends.
    • Cardholders shall also be eligible for 1% cashback on all other spends.
    • 1% Fuel surcharge waiver across India.

    Pros

    • This card offers a simple-to-understand reward structure, which is great for those starting out on their credit journey.

    Cons

    • There is no complimentary airport lounge access with the BOBCARD Cashback Credit Card.

  • Earn Up to 5% Cashback

    The BOBCARD Cashback is designed for people who prefer to shop online. The card will turn every purchase into a rewarding experience.

    Transactions Total Cashback Cashback Capping
    Domestic POS and International Transactions 1% Unlimited
    Domestic E-Commerce  Transactions 5% ₹1,500 Per Statement Cycle
    • Cash back will not be available for transactions below ₹100.
    • The cashback will be directly added to your next month’s statement.
    • No cashback shall be awarded for fuel, government, rent, or insurance transactions.

    Note – The cardholder will be eligible for the accelerated cashback benefit if they have made at least four transactions in that statement cycle.

    Easy Linking to Google Pay

    Cardholders can easily add their BOBCARD Cashback Credit Card to their Google Pay and enjoy hassle-free contactless payments. Every time you can just easily scan to pay, you will not only get the convenience of a cashless transaction, but you will also receive cashback. This will make your transaction more convenient and rewarding.

    BOBCARD Cashback Credit Card Features

    Bottom Line

    The BOBCARD Cashback Credit Card stands out as a convenient option for individuals who want to earn rewards through online shopping. With its low joining fee, it becomes an accessible option for a wide range of users, including those new to credit cards. The card’s most attractive feature is the 5% cashback offered on every online purchase, allowing users to maximize their savings.

    Overall, the BOBCARD Cashback Credit Card is especially beneficial for first-time cardholders due to its straightforward transaction process and rewarding features.

    FAQs:

    You will automatically receive your Cashback on your next month’s statement.

    The annual fee for the card is ₹499, but you can also pay ₹49 monthly.

    2 comments

    • Sandeep

      7 months ago Reply

      Google pay upi compatability for Master variant? How to use it for upi?

      • Abhishek Chatterjee

        7 months ago Reply

        You can’t link Mastercard on UPI. I had commented about this in another article here but I don’t know where my comment disappeared.

        That information is wrong.

        In Google Pay, it’s talking about payment through Bharat QR, not UPI.

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