BOBCARD Cashback Credit Card on Swiggy Instamart

How it works

5% on any domestic online spend (1% plus 4% extra), with the extra 4% capped at ₹1,500 a cycle; 1% after that and on other spends. Needs at least 4 transactions in the cycle. It's a Mastercard, so it can't be used for UPI. Electricity paid online counts as online spend (5%). Grocery apps earn nothing (BOBCARD excludes supermarket MCCs).

Caps & rules

• Domestic e-commerce: 1% plus 4% accelerated cashback, the accelerated part capped at ₹1,500 per statement.
• POS and international: 1%, uncapped.
• Minimum 4 transactions per cycle for the accelerated cashback.
• Cashback credited to the next statement.

Reward limits

• Extra 4% on online spends: max ₹1,500 per statement cycle

No rewards on

Transactions under ₹100, fuel, cash withdrawals, quasi-cash and the MCCs in BOBCARD's annexure