BOBCARD Cashback Credit Card
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BOBCARD

BOBCARD Cashback Credit Card

Mastercard
Regular

Your rating

Community rating

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

Joining Fee

₹499

Annual Fee

₹499

Reward Rate

1% – 5%

Forex Markup

3.52%

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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 charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹499
Annual fee₹499
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

Tips & reviews

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

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BOBCARD Cashback Credit Card Eligibility

Age21+ yrs – 65
Min. income₹25,000/month
CIBIL score753+

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

View on bank website

Data last updated 17 Jun 2026

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