SNAPDEAL BOBCARD
A co-branded Snapdeal card: 20 points per ₹100 (5%) on Snapdeal, 10 per ₹100 on online shopping and department stores (up to 2,000 points a statement), 4 per ₹100 elsewhere, points worth ₹0.25; ₹249 a year 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 | ₹249 plus GST Product page |
|---|---|
| Annual fee | ₹249 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| Neither the ₹249 joining fee nor the ₹249 annual fee is waived on spend. | |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Online shopping and other online spends (10 points per ₹100, up to 2,000 points a statement) | 10 points per ₹100 Product page | up to 2,000 points a statement cycle Product page |
| Other eligible spends (4 points per ₹100) | 4 points per ₹100 Product page | no cap on record |
Snapdeal is not a calculator category, so its 20 points per ₹100 are shown as a highlight and Snapdeal purchases are counted with other online shopping. The 10 points follow the merchant acquirer's online flag (and department stores, MCC 5311); utility bills (MCC 4900) and UPI payments earn only the core 4 points. Online grocery and food delivery are left unrated because supermarket (5411) and fast-food (5814) merchant codes earn nothing. Points earn only on transactions of ₹100 or more and expire after two years.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a month Product page
- Welcome: 500 reward points on ₹5,000 of spend in the first 60 days Product page
- Welcome: Snapdeal vouchers worth up to ₹500 for using the card in the first 30 days Product page
Also on this card
Quoted from BOBCARD; not counted in the net value.
- 20 points per ₹100 (5%) on Snapdeal website and app purchases, with no cap stated Product page
- 10 points per ₹100 at department stores, sharing the 2,000-point statement cap Product page
- Extra 16 points per ₹100 on flights and 40 per ₹100 on hotels booked through BOBCARD SmartDeal MITC
Eligibility
- Indian resident Product page
- Salaried: age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 24 or above Product page
- Self-employed: age 65 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
- the card network
- a RuPay variant for UPI
The quotes behind the figures
29 figures, each copied from an official BOBCARD document.
Show every quote and source
“Just ₹249 joining & annual fee”
“Goods & Services Tax 18%”
“All other credit cards: 3.5% of transaction amount”
“1 reward point = Rs.0.25**”
“Get 10 reward points for every ₹100 spent on online shopping & departmental stores, and 4 reward points for every ₹100 spent on other categories*.”
“*Reward Points of 10 RP per ₹100 are capped at a maximum of 2000 Reward Points per statement.”
“Snapdeal BOBCARD Ecom: Online transaction flag provided by Merchant Acquirer Departmental store: 5311 2000 Reward points”
“further spends in that statement cycle on such spend categories/MCCs will earn Reward Points at the regular earn rate.”
“Snapdeal 4 RP per ₹100”
“Fuel transactions don't accrue/ earn any reward points on any BOBCARD except HPCL Energie BOBCARD”
“Spends on special categories (MCC's) listed in annexure 1 won't qualify for accelerated or core reward points feature.”
“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”
“Snapdeal ₹ 249 NIL”
“**Only applicable where Joining Fee is paid.”
“Please note, effective 1st July, Auto redemption of Snapdeal Reward points against the statement will be discontinued. Cardholder can Redeem those rewards via Mobile app/ portal.”
“Rewards Redemption Fees No Fee”
“*UPI transactions are eligible only for core Reward Points. UPI transactions do not qualify for activation benefit & bonus reward points.”
“Utility Transactions (MCC code 4900) are not eligible for Accelerated Reward Points.”
“Reward Points are valid only for 2 years from the date of accumulation”
“Fuel up your passion for shopping & 1% fuel surcharge waiver on all fuel transactions between Rs.400-Rs.5000(Max Rs.250 p.m).”
“500 bonus reward points on spends of Rs. 5000 or more within 60 days of card issuance.*”
“Go for a shopping spree and get Snapdeal vouchers worth up to ₹500 on card usage within the first 30 days of issuance.**”
“Make shopping fun with 5% unlimited cashback (20 reward points per ₹100) for your purchases on the Snapdeal website & Mobile App.”
“Snapdeal 16 points for every Rs.100 40 points for every Rs.100”
“Indian Resident”
“Age: For Salaried : 21 to 60 years (Primary Cardholder), For Self employed : 24 to 65 years”
“Add value to each of your purchases with special privileges, benefits & reward points. Apply Now”
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