BOBCARD Cashback
A cashback card: 5% on domestic online spends (up to ₹1,500 a month, with at least four transactions in the cycle), 1% on other spends including international ones, credited to the statement automatically; ₹499 a year or ₹49 a month, and a 3.5% forex markup. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹499 plus GST MITC |
|---|---|
| Annual fee | ₹499 plus GST MITC |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| The cardholder chooses either ₹499 a year or ₹49 a month (₹588 a year) and may switch plans only once; neither fee is waived on spend. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Domestic online spends (5%, up to ₹1,500 a month; needs at least 4 transactions in the cycle) | 5% cashback Product page | up to ₹1,500 a month Product page |
| Other eligible spends in shops and abroad (1%) | 1% cashback Product page | no cap on record |
Cashback is credited to the card statement automatically every month; there is nothing to redeem.
The 5% is 1% cashback plus 4% accelerated cashback on transactions the merchant acquirer flags as domestic online, and only in a statement cycle with at least four transactions. BOBCARD's MITC caps the 4% accelerated part at ₹1,500 a statement while the product page caps the 5% at ₹1,500 a month; the calculator uses the page's cap on the whole 5%, then 1%. Transactions under ₹100 earn nothing. Online grocery and food delivery are left unrated because supermarket (5411) and fast-food (5814) merchant codes earn nothing.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Product page
Also on this card
Quoted from BOBCARD; not counted in the net value.
- Cashback is credited to the statement automatically every month, with nothing to redeem Product page
- Pay a ₹49 monthly fee instead of ₹499 a year if you prefer Product page
Eligibility
- Indian resident Product page
- Age 25 or above Product page
- Age 55 or below Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by BOBCARD in the documents read
- a RuPay variant for UPI
Where BOBCARD’s documents differ, and what is used
- Cashback cap: the product page caps the 5% online cashback at ₹1,500 a month; BOBCARD's MITC caps only the 4% accelerated part at ₹1,500 a statement, leaving the 1% uncapped. The page's lower reading is used.
The quotes behind the figures
22 figures, each copied from an official BOBCARD document.
Show every quote and source
“Cashback Monthly fee of just ₹49* Or Joining fee of ₹499*. Fee Reversal Criteria is Not Applicable.”
“Cashback Monthly fee of just ₹49* Or Annual fee of ₹499*.”
“Goods & Services Tax 18%”
“All other credit cards: 3.5% of transaction amount”
“Get 5% Cashback* (up to ₹1500/month) on all your eligible domestic online spends.”
“Domestic POS Transaction 1% - 1% - International Transaction 1% - 1% - Domestic Ecom transactions 1% 4%* 5% Max. Rs. 1,500 per”
“Cardholder will be eligible for accelerated cashback benefit provided that cardholder has done Minimum 4 transactions in that statement cycle.”
“Enjoy 1% Cashback* on every other spend.”
“Note: Cashback is not applicable on Fuel Transactions”
“Following type of transactions won't be eligible for Cashback benefit a) Transactions below Rs. 100 b) Transactions on select Merchant Category Codes (MCCs) as listed in Annexure 1. c) Fuel transactions d) Cash withdrawals at ATM e) Quasi Cash transactions”
“Table 2: Select list of MCC (Merchant Category Code) where Cardholder will not earn any Reward points/ Loyalty benefits.”
“Transportation (Passenger Transportation, Passenger Railways, Bus services, Toll and road and Bridge Fees and Transportation Services - Not Elsewhere Classified) Rent Cleaning and Maintenance, laundry, Personal services (Beauty parlour, barber, Legal and CIVIC services etc) Government Education Hospital Wallet”
“Supermarket and convenience store, Variety Stores, Retail Store Insurance Charity Fast food restaurants”
“**Fee plan change will be allowed only once during the entire lifecycle.”
“Existing BOBCARD variants cannot be upgraded to BOBCARD Cashback, nor can BOBCARD Cashback be upgraded to any other BOBCARD variant.”
“1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).”
“All your accumulated cashback gets auto-credited to your card account statement every month - no reward redemption, no tracking points, no hassles.”
“Joining & Annual Fee**: Cardholder can select either monthly fee of ₹49 or Joining & annual fee of ₹499 per Year.”
“1.Indian Resident”
“2.Age: Minimum 25 years and Maximum 55 years*”
“Turn every purchase into everyday savings. Whether it's shopping, dining or travel, the BOBCARD Cashback Card ensures your everyday spends always bring you Happy Returns. Apply Now”
“Add your Mastercard BOBCARD Cashback Credit Card to Google Pay for seamless contactless payments.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology