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Bank of Baroda
5% back on Snapdeal with no cap, and 2.5% on other online shopping, for Rs. 249 a year
One-time
Per year
Uncapped rewards
Score 700+
Applying takes you to Bank of Baroda. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from Bank of Baroda’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromOnline shopping
No published ceiling on this tier
Groceries
Pays up to ₹500 a billing cycle — reached at about ₹20,000 of spend
Everything else
No published ceiling on this tier
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Online shopping — Snapdeal website and app — 20 Reward Points per Rs. 100 at Rs. 0.25 a point, uncapped., with no stated cap.
Biggest limitation
The 10-point rate on online shopping and departmental stores is capped at 2,000 Reward Points a statement — Rs. 500 of value a month.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5%
uncappedOnline shopping
Snapdeal website and app — 20 Reward Points per Rs. 100 at Rs. 0.25 a point, uncapped.
2.5%
cappedGroceries
Pays up to ₹500 per billing cycle — reached at about ₹20,000 of spend.
Departmental stores. 10 Reward Points per Rs. 100, capped at 2,000 points a statement.
1%
uncappedEverything else
4 Reward Points per Rs. 100 at Rs. 0.25 a point.
We do not have redemption details recorded for this card. Check the issuer's page before relying on it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹249 | — |
| Annual / renewal fee | ₹249 | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹249 a year
charged with no published way to avoid it
We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
Linkable to UPI.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Bank of BarodaBOBCARD SELECT Credit Card₹885
Bank of BarodaBOBCARD EASY Credit Card₹590ICICI Bank Parakram Credit CardICICI BankICICI Bank Parakram Credit CardLifetime freeSBI Card UnnatiSTATE BANKSBI Card Unnati₹589IndianOil RBL Bank Credit CardRBL BankIndianOil RBL Bank Credit Card₹590| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Snapdeal BOBCARD Credit Card · this card | ₹249 | 5% online shopping | Not recorded |
| IRCTC BOBCARD Credit Card | ₹350 | Up to 10% cashback | No |
| BOBCARD SELECT Credit Card | ₹885 | Up to 1% cashback | No |
| BOBCARD EASY Credit Card | ₹590 | Up to 0.2% cashback | No |
| ICICI Bank Parakram Credit Card | Lifetime free | Up to 1.25% rewards | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹249 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.
We do not have lounge details recorded for this card. Check the issuer’s page.
Yes.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
We do not have redemption details recorded.
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.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Snapdeal BOBCARD Credit Card — 5% on online shopping. ₹249 a year.