BOBCARD Cashback Credit Card
Turn every purchase into a rewarding experience with high online cashback.
Overview
The BOBCARD Cashback Credit Card is a value-driven card designed for modern shoppers. It simplifies savings by offering high-tier cashback on digital spends and a base rate on everything else, with the added convenience of an auto-credit system that removes the need for manual reward redemption.
Features & Benefits
Joining & Renewal Benefits
Milestone-based welcome offers may apply (e.g., fee reversal on spending ₹5,000 in the first 30 days).
Reversal of the ₹499 annual fee on achieving the ₹50,000 annual spend milestone.
Cashback & Rewards
- • 5% Online Cashback: Capped at ₹1,500 per month.
- • 1% Offline Cashback: No upper limit.
- • Minimum 4 transactions required per statement cycle to earn cashback.
Auto-Credit System. All earned cashback is automatically credited to the card account in the next billing cycle.
Lifestyle Benefits
- • Smart EMI: Convert purchases of ₹2,500+ into EMIs ranging from 6 to 48 months.
- • Zero Lost Card Liability: Coverage against fraudulent transactions upon immediate reporting of loss.
1% waiver on transactions between ₹400 and ₹5,000 (Max ₹250/month).
3.5% on international transactions.
Fees & Charges
- • Highly competitive 5% rate for online shopping.
- • No hassle of points; money goes straight back to the card.
- • Low spend requirement for fee waiver.
- • The "4 transactions per month" rule can be easy to miss.
- • Monthly cap of ₹1,500 limits benefits for very heavy spenders.
- • No Airport Lounge access.
- • Transactions below ₹100
- • Fuel purchases
- • Cash withdrawals
- • Wallet loads
- • Rent payments
- • Government services
- • Education fees (via 3rd party apps)
Up to 3 free add-on cards for family members (spouse, parents, siblings, or children above 18).
- • Age: 21–65 years
- • Indian Resident
Effective 2026, rent payments and education fees through third-party apps no longer earn cashback and may attract a processing fee.