BOBCARD launches Cashback Credit Card, Check Details

BOBCARD, a wholly-owned subsidiary of Bank of Baroda, has launched its new Cashback Credit Card, designed to offer everyday users a transparent, value-driven, and rewarding payment experience. With a monthly fee of just ₹49 and an annual fee of ₹499, this card aims to make cashback benefits accessible to a wide base of customers without hidden terms or complex reward structures.

Benefits of BOBCARD Cashback Credit Card

The highlight of the BOBCARD Cashback Credit Card is its simple rewards structure:

• 5% cashback on eligible online transactions
• 1% cashback on all other purchases

From daily essentials to lifestyle spending, every transaction brings something back to the user. The brand positions this benefit as “Happy Returns” which means that users earn rewards naturally through the things they buy every day.

Additional Benefits: 

Beyond cashback, the card offers some added benefits such as:

1% Fuel Surcharge Waiver: Save more every time you refuel at any fuel station across India.

Smart EMI Facility: Turn big purchases into manageable monthly instalments with flexible tenures ranging from 6 to 48 months.

Simple Digital Management: Once activated, customers can manage their card entirely through the BOBCARD mobile app or website, enabling transaction monitoring, statement downloads, bill payments and service requests

Where Do You Earn Cashback?

The cashback covers a wide spectrum of spends, including:

• Online marketplaces
• Supermarkets & kirana stores
• Restaurants & food delivery
• Fuel stations
• Cab rides, metro, and bus payments
• Utilities & bill payments
• Pharmacies
• OTT subscriptions
• Education fees
• Retail shopping

This makes the card a practical choice for individuals looking to maximise rewards across routine monthly expenses.

How to Activate the BOBCARD Cashback Credit Card

Cardholders must activate their card within 30 days of issuance. Activation can be done instantly through:

• BOBCARD Mobile App
• Other official digital channels

The process is quick, paperless, and convenient for first-time card users as well.

Eligibility Criteria

The BOBCARD Cashback Credit Card is available to Indian residents who meet the following income and age criteria:

• Salaried Individuals between the ages of 21 to 60 years and with minimum annual net income of ₹3,00,000
• Self-Employed Individuals between the age of 24 to 65 years and with minimum annual net income: ₹3,60,000

How to Apply for BOBCARD Cashback Credit Card

Customers can apply via BOBCARD’s fully digital DIY platform, which requires:

• No physical documentation
• No in-person verification

This ensures a seamless onboarding experience from application to activation.

About BOBCARD

Previously known as BOB Financial Solutions, BOBCARD is a non-banking financial company (NBFC) incorporated in 1994. It specialises in credit card products across multiple categories such as shopping, travel, professional segments, premium cards and co-branded offerings The new Cashback Credit Card fits into BOBCARD’s mission of delivering simple, secure, and rewarding credit solutions to Indian consumers.

Conclusion

The BOBCARD Cashback Credit Card stands out as a practical, everyday credit card for users seeking transparent rewards and maximum value on routine spends. With 5% cashback on online transactions, 1% on all other purchases, fuel surcharge waiver, flexible EMI options, and seamless digital management, it offers an all-around rewarding experience. Backed by BOBCARD’s trusted financial expertise, this card makes cashback simple with every transaction adding to your “Happy Returns.”