BOBCARD Cashback Credit Card
Issuer Regulated by RBI
BOBCARD
BOBCARD logoBOBCARD

BOBCARD Cashback Credit Card

Earn rewards and benefits with BOBCARD Cashback Credit Card.

Mastercard
Regular
72
Overall CardCheck ScoreVery Good

Cashback Fit Score

95/100

Best for: online shopping, everyday cashback, low-maintenance rewards

Joining Fee

₹499

Annual Fee

₹499

Reward Rate (%)

1 – 5

Forex Markup

3.52%

Community
(0)
Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Reward Power

34/35

Fee Value & ROI

22/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Cashback Spends
95/100
RuPay UPI Payments
88/100
Zero Fee & Starter
85/100
Online Shopping
84/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

BOBCARD Cashback Credit Card Benefits

5% cashback on eligible domestic online spends
Accelerated cashback capped at ₹1,500 per month
Unlimited 1% cashback on all other eligible spends
Cashback auto-credited every month
No reward points tracking or redemption required
Fuel surcharge waiver of 1% on ₹400–₹5,000 transactions
Choice of annual fee or monthly fee model
Cashback valid across most online merchants
Contactless Mastercard benefits included
Up to 3 free add-on cards

BOBCARD Cashback Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

1% – 5%

Earn rate

₹1,500

Monthly cap

BOBCARD Cashback Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining fee₹499
Annual fee₹499
Interest rate (APR)42%
Cash advance fee2.5% (min ₹5)
Over-limit fee600%
Forex markup3.52%
Fuel surcharge waiverYes (₹400–₹5000)

Things to Keep in Mind

  • transactions below ₹100
  • fuel transactions
  • cash withdrawals at ATMs
  • quasi-cash transactions
  • select MCCs

Card Features

Metal Card
Contactless
UPI Linked

Annual Fee: ₹499

This card carries a fixed annual fee of ₹499. At ~1% estimated return, spending approximately ₹4,158/mo earns enough rewards to fully offset the annual fee.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

Checking sign-in…

BOBCARD Cashback Credit Card Eligibility

Age21+ yrs – 65
Min. income₹25,000/month
CIBIL score
753+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Flat 5% cashback on online spends
  • No merchant-specific restrictions
  • Unlimited 1% cashback on other spends
  • Cashback auto-credited monthly
  • Low annual fee
  • No reward redemption hassles
  • Free add-on cards
  • Good entry-level cashback card
Cons
  • No domestic lounge access
  • No international lounge access
  • No fee waiver option
  • ₹1,500 monthly cap on 5% cashback
  • Forex markup of 3.5% is high
  • No welcome bonus
  • No milestone rewards
  • Online cashback restricted to eligible domestic transactions only

Quick Links

Data last updated 6 Aug 2026

All BOBCARD credit cards →Best Cashback CardsBest Fuel Cards
Free Rewards Math Simulator

Calculate your exact earnings with BOBCARD Cashback Credit Card

Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.

Launch Rewards Calculator

See CardCheck in your Google Search & AI results

Add as a preferred source to get our credit card updates first.

Add to Preferred Sources