BOBCARD Cashback Credit Card vs CASHBACK SBI Card
BOBCARD · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
BOBCARDScoreGood
Annual Fee₹499
Max Reward5%
SBI CardScoreVery Good
Annual Fee₹999
Max Reward5%
CASHBACK SBI Card leads overall with a CardCheck Score of 70/100 (+2 pts over BOBCARD Cashback Credit Card).
4-Pillar Head-to-Head Breakdown
BOBCARD vs CASHBACKReward Power
35%BOBCARD34/35
CASHBACK34/35
Tie (34/35)
Fee Value & ROI
25%BOBCARD22/25
CASHBACK20/25
BOBCARD Wins
Lounge & Travel
20%BOBCARD4/20
CASHBACK4/20
Tie (4/20)
Forex & Access
20%BOBCARD8/20
CASHBACK12/20
CASHBACK Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 68
- 70Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 22/25
- 20/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- BOBCARD
- SBI Card
- Network
- Mastercard
- Visa
- Card type
- Regular
- Regular
- Best for
- online shopping, everyday cashback, low-maintenance rewards
- Online cashback
03—Fees
- Joining fee
- ₹499Best
- ₹999
- Annual fee
- ₹499Best
- ₹999
- Fee waiver
- —
- ₹2,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- —
- 42%
- APR (max)
- —
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- cashback
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 5%
- 5%
- Monthly cap
- ₹1,500
- —
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 0
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- —
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 25
- 21
- Min income / month
- —
- ₹25,000
- Min CIBIL
- —
- 700
- Invite only
Rows won
02of 03
01of 03
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 68 | 70Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 22/25 | 20/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | BOBCARD | SBI Card |
| Network | Mastercard | Visa |
| Card type | Regular | Regular |
| Best for | online shopping, everyday cashback, low-maintenance rewards | Online cashback |
03—Fees Differences highlighted | ||
| Joining fee | ₹499Best | ₹999 |
| Annual fee | ₹499Best | ₹999 |
| Fee waiver | — | ₹2,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | — | 42% |
| APR (max) | — | 42% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | cashback |
| Min rate | 1% | 1% |
| Max rate | 5% | 5% |
| Monthly cap | ₹1,500 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 0 |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | — | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 25 | 21 |
| Min income / month | — | ₹25,000 |
| Min CIBIL | — | 700 |
| Invite only | ||
| Rows won | 02of 03 | 01of 03 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | BOBCARD Cashback Credit Card | CASHBACK SBI Card |
|---|---|---|
| CardCheck Score | 68/100Good | 70/100Very Good |
| Annual Fee | ₹499 | ₹999 |
| Fee Waiver Spend | No waiver | ₹2L/yr |
| Max Reward Potential | 5% | 5% |
| Domestic Lounge Access | Check terms | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose BOBCARD Cashback Credit Card if:
Your spending centers around online shopping, everyday cashback, low-maintenance rewards and you want direct partner rewards with BOBCARD.
Choose CASHBACK SBI Card if:
Your spending aligns with online cashback and you prioritize SBI Card's redemption benefits.
Frequently asked questions: BOBCARD Cashback Credit Card vs CASHBACK SBI Card
- Which is better: BOBCARD Cashback Credit Card or CASHBACK SBI Card?
- CASHBACK SBI Card holds a higher overall rating with a CardCheck Score of 70/100 (Very Good) compared to 68/100 (Good) for BOBCARD Cashback Credit Card (a lead of +2 points). CASHBACK SBI Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- BOBCARD Cashback Credit Card charges an annual fee of ₹499 with no official annual spend waiver milestone for renewal fee waiver. In comparison, CASHBACK SBI Card charges an annual fee of ₹999 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between BOBCARD Cashback Credit Card and CASHBACK SBI Card?
- BOBCARD Cashback Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, CASHBACK SBI Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: BOBCARD Cashback Credit Card or CASHBACK SBI Card?
- BOBCARD Cashback Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, CASHBACK SBI Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- BOBCARD Cashback Credit Card levies a foreign currency markup fee of 3.50%, while CASHBACK SBI Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).