BOBCARD Cashback Credit Card
Fees
Joining ₹499 + Taxes (or ₹49 a month plan)
Annual ₹499 + Taxes a year, or ₹49 a month
Reward Rate
5% cashback on domestic online spends (1% plus 4% extra, the extra capped at ₹1,500 a cycle); 1% on all other spends, uncapped
Welcome Bonus
Lounge
No Lounge Access
Our Expert Take
BOBCARD Cashback is one of the simpler online cashback cards: 5% on any domestic online spend, credited straight to your statement, and 1% everywhere else. The extra 4% tops out at ₹1,500 a cycle, which still covers about ₹37,500 of online shopping, so it's a strong pick for most online spenders at ₹499 a year.
Reward limits
Checked 18 Oct 2026 · Bank terms
-
Extra 4% on online spends
Max ₹1,500 per statement cycle
Reached after about ₹37,500 of spend
No rewards on: Transactions under ₹100, fuel, cash withdrawals, quasi-cash and the MCCs in BOBCARD's annexure
Where this card earns most
Paying directly in the app or site · 1% on other spends
Top 3 in our rankings for
Pros & Cons
Key Advantages
- 5% cashback on any domestic online spend, not just partner brands
- Cashback credited to the statement automatically, no points to redeem
- Unlimited 1% on other spends
- Low fee, with a ₹49 monthly option
Limitations
- Extra 4% stops at ₹1,500 a cycle (about ₹37,500 of online spend)
- Needs at least 4 transactions in the cycle for the 5%
- No cashback on fuel, rent or other excluded categories
- No spend-based fee waiver and no lounge access
Key Perks & Spending Milestones
1% fuel surcharge waiver on ₹400 to ₹5,000 (max ₹250 a cycle)
Up to 3 lifetime-free add-on cards
Smart EMI on purchases above ₹2,500
Works with Google Pay tap-to-pay (Mastercard)
Fees & Charges
Joining fee
₹499 + Taxes (or ₹49 a month plan)
Annual fee
₹499 + Taxes a year, or ₹49 a month
No spend-based waiver. Choose either ₹499 a year or ₹49 a month; you can switch plans once.
Interest rate
3.75% per month (45% per annum)
Late payment fee
- Up to ₹500
- ₹100 (₹100 to ₹500); nil below ₹100
- ₹501 to ₹1,000
- ₹400
- ₹1,001 to ₹5,000
- ₹750
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹950
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
lost card liability
Zero liability once the loss is reported
Eligibility Criteria
salaried minimum income
Net annual income of ₹3 Lakh or more
self employed ITR
Net annual income of ₹3.6 Lakh or more
age
25 to 55 years
Credit score & income
Good (750+)
Frequently Asked Questions
How much cashback does the BOBCARD Cashback card give?
Are there conditions for the 5%?
What is the BOBCARD Cashback fee?
Compare BOBCARD Cashback Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| BOBCARD Cashback Credit Card This Card | ₹499 + Taxes a year, or ₹49 a month | 5% cashback on domestic online spends (1% plus 4% extra, the extra... | No Lounge Access | 4.1/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| IDFC FIRST Quantum+ Credit Card | Lifetime Free | 1% cashback on online spends up to ₹10,000 a cycle, 2% on online... | No Lounge Access | 4.7/5 |