What is the annual fee for BOBCARD Cashback Credit Card?

The annual fee is ₹499, which is charged upon issuance as a joining fee as well. You'll need to factor this into your spending calculations to determine if the 1% cashback justifies the fee.

How to apply for BOBCARD Cashback Credit Card?

You can apply directly through Bank of Baroda's website or visit a nearby branch. Eligibility criteria and required documents will be confirmed during the application process.

What rewards does BOBCARD Cashback Credit Card offer?

The card provides a flat 1% cashback on all purchases with no category-specific bonuses or spending thresholds. Cashback is credited directly to your account.

What are the eligibility criteria for BOBCARD Cashback Credit Card?

Specific eligibility criteria are not detailed in the card information. Bank of Baroda typically requires a minimum income and good credit score — visit their website or contact your nearest branch for exact requirements.

Does BOBCARD Cashback Credit Card offer airport lounge access?

No airport lounge access is mentioned for this card. It's a basic cashback card focused on reward earnings rather than premium travel benefits.

Is BOBCARD Cashback Credit Card worth it?

It works best if you spend ₹50,000+ annually to offset the ₹499 fee through cashback. The card suits those wanting straightforward rewards without managing multiple spending categories or higher annual costs.

Credit Cards

CashbackEntryMastercard

BOBCARD Cashback Credit Card

Straightforward cashback for everyday purchases

Annual fee₹499

Rewards1%Cashback

Forex markup3.5%

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Bank of Baroda. Full disclaimer

Rewards

Base earn rate

0 pts per ₹100

Fees & charges

Joining fee: ₹499 per Year or monthly fee of ₹49
Annual / renewal fee: ₹499 per Year or monthly fee of ₹49
Annual fee waiver: Fee plan change will be allowed only once during the entire lifecycle
Add-on card fee: Lifetime free up to 3 add-on cards
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: 3.50%
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

View official MITC →

Insurance covers

Fraud liability

₹0

Zero liability on lost card - Report loss of card immediately to ensure zero liability on any fraudulent transactions

Lost card liability

₹0

Eligibility

Income (salaried): Salaried: Minimum Net Annual Income is ₹3 Lakh and above, Self-Employed: Minimum Net Annual Income is ₹3.6 Lakh
Income (self-employed): ₹3.6L/year
Age: 25–55 years

Employment types

SalariedSelf-Employed

Required documents

PAN (Mandatory)
Recent Passport size photograph
Aadhaar Card (both side) or Voter ID Card or Passport or Driving Licence or Job Card issued by NREGA or Letter issued by the National Population Register
Salaried: Bank Statement reflecting salary credit for last 2 months
Self-Employed: Bank Statement reflecting business transactions for last 3 months

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage

Additional features

Google Pay integration for QR code payments
Automatic monthly cashback credit
No reward point tracking required

No rewards on

Transactions Below Rs. 100 · Transactions On Select Merchant Category Codes (MCCs) · Fuel Transactions · Cash Withdrawals At ATM · Quasi Cash Transactions