BOB Cashback Credit Card

₹499 plus GST, with no published spend-based waiver.

The strongest published rate is 5% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

No — airport lounge access is not offered on this card.

UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.

Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions. No cashback on fuel, insurance, government payments, education, ATM cash withdrawal/quasi-cash, rent, agriculture, contractor payments, transportation, telecom, cleaning and maintenance, laundry, select personal services, hospital, wallet loads, charity, supermarket/convenience stores, variety/retail stores, fast food restaurants, and transactions below ₹100

Bank of Baroda publishes about ₹25,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.

No redemption catalogue — cashback is auto-credited as a statement credit on the statement date, with no points-based redemption process

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

A pure cashback credit card from BOBCARD (Bank of Baroda) offering 5% cashback on eligible online spends and unlimited 1% cashback on other spends, with cashback auto-credited to the statement.

₹499 plus GST per year, or ₹49 plus GST per month. There is no spend-based waiver, but you can switch between the monthly and annual plan once during the card's lifecycle.

5% cashback (4% accelerated + 1% base) on eligible domestic online spends, provided you make at least 4 card transactions in the statement cycle. The accelerated 4% portion is capped at ₹1,500 per month.

An unlimited 1% cashback on all other eligible spends, with no monthly cap, excluding fuel, rent, wallet loads, government payments and other excluded categories.

No, this card does not provide any complimentary domestic or international airport lounge access.

Salaried applicants need a minimum net annual income of ₹3,00,000 (age 21–60); self-employed applicants need a minimum net annual income of ₹3,60,000 (age 24–65).

There is no manual redemption — eligible cashback is calculated and auto-credited directly to your card account/statement on the statement date each month.

Fuel, insurance, government payments, education, ATM cash withdrawal, rent, quasi-cash, agriculture, telecom, utilities-adjacent services, wallet loads, hospital, supermarkets/convenience stores and transactions below ₹100, among other excluded MCCs.

Yes, up to 3 free lifetime add-on cards can be issued for your spouse, parents, siblings or children above 18 years of age.

BOB Cashback offers a straightforward 5%/1% cashback split with a low fee, but lacks a spend-based fee waiver found on many rival cashback cards. Compare against alternatives on CredSpy to find the best fit for your spend pattern.