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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaBOBCARD Cashback Credit Card
Bank of Baroda

BOBCARD Cashback Credit Card

Cashback Mastercard Entry Level
4.0/5.0CardwiseHQ Review
1st Year Fee: ₹499(Cardholder can select either monthly fee of ₹49 or Joining & annual fee of ₹499 per Year)
Primary Reward
5% cashback on eligible domestic online spends
1st Year Fee
₹499
Fee Waiver
Cardholder can select either monthly fee of ₹49 or Joining & annual fee of ₹499 per Year
4.0/5
Very Good
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Earn Real Cashback on Every Spend

Fees & Charges

BOBCARD Cashback Credit Card · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 499
Annual / Renewal Fee₹ 499
Fee Waiver ConditionCardholder can select either monthly fee of ₹49 or Joining & annual fee of ₹499 per Year

Rewards & Cashback

BOBCARD Cashback Credit Card · Detailed rewards & cashback

ParticularsDetails
Reward TypeCashback
Primary Reward Rate5% cashback on eligible domestic online spends
Secondary Reward Rate1% cashback on all other spends
Max Cashback / Rewards (Monthly)₹1500 per month on 5% online spends
Reward ExclusionsTransactions below ₹100, select Merchant Category Codes (MCCs), fuel transactions, cash withdrawals at ATM, quasi cash transactions

Features & Benefits

BOBCARD Cashback Credit Card · Detailed features & benefits

ParticularsDetails
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle)
Insurance CoverageZero Liability on lost card
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

BOBCARD Cashback Credit Card · Detailed eligibility

ParticularsDetails
Minimum Age25
Maximum Age55
Card NetworkMastercard
Card VariantEntry Level
Best ForEveryday Spends, Online Shoppers, Cashback Seekers

Pros & Cons

Advantages
  • 5% cashback on online spends (up to ₹1500/month)
  • Unlimited 1% cashback on all other spends
  • Automatic cashback credited to statement monthly
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
  • Option to convert purchases over ₹2,500 into Smart EMIs
  • Lifetime free add-on cards available
  • Zero liability protection on lost card
Disadvantages
  • Cashback not applicable on transactions below ₹100, fuel, cash withdrawals, and select MCCs
  • Minimum 4 transactions required per statement cycle for accelerated cashback benefit
  • Eligibility age range is somewhat restrictive (25-55 years)

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.0/5
Very Good
Overall Editor Rating
Best For: Everyday Spends, Online Shoppers, Cashback Seekers

BOBCARD Cashback Credit Card by Bank of Baroda is rated 4.0/5 by our editorial team. Earn Real Cashback on Every Spend.

About BOBCARD Cashback Credit Card

The BOBCARD Cashback Credit Card offers "Happy Returns" on your everyday spending. It provides a straightforward cashback program with 5% cashback on eligible domestic online spends and an unlimited 1% cashback on all other transactions. This card is designed for individuals looking for easy, automatic savings. All accumulated cashback is automatically credited to your card account statement every month, eliminating the need for reward redemptions or point tracking. It's a perfect companion for digital payments, easily integrating with Google Pay for seamless contactless payments and cashback on QR scans. Beyond direct cashback, cardholders can also avail additional offers and partner discounts.

Quick Facts

Joining Fee₹499
Annual Fee₹499
Card NetworkMastercard
Card VariantEntry Level
Lounge Access✕ No
Fuel Waiver✓ Yes
Contactless✓ Yes