By: OurMoneyGuide || Last updated on: April 23, 2024
Snapdeal BOB Credit Card is a cobranded credit card launched by Bank of Baroda, in partnership with Snapdeal, one of India’s leading e-commerce companies. You get attractive cashback on Snapdeal shopping, and also on other categories like online shopping (non-Snapdeal), grocery and department store purchases.
You earn cashback on UPI spends also, since the card is on the RuPay platform.
Best for those who shop on Snapdeal frequently – you get 5% cashback.
You also get good cashback of 2.50% on online shopping (non-Snapdeal shopping), as well as grocery & department store purchases – on total purchases upto ₹20,000 per month across these promotion categories.
Annual fee of the card is low – ₹249. You get a welcome offer of ₹500. Though there is no spend based annual fee waiver offer, the low annual fee along with good cashback rates makes this a good online shopping card.
5% unlimited cashback on Snapdeal shopping
You earn 20 reward points worth ₹5, on every ₹100 you spend on Snapdeal purchases.
1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback. Reward points are valid for 2 years, from the date of earning.
2.50% cashback on ‘online shopping’ (except Snapdeal) || grocery & departmental store purchases – on purchases upto ₹20,000 per month
You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
This benefit is valid only on total purchases upto ₹20,000 per month, across these categories (since the maximum number of reward points earned at this special rate is limited to 2000 reward points per monthly card statement cycle).
1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.
1% cashback on all other card spends, including UPI spends
You earn 4 reward points worth ₹1, on every ₹100 you spend in these categories.
On UPI spends, you can earn a maximum of 500 reward points per month, meaning you earn 4 reward points on every ₹100 spent, till monthly UPI spends of ₹12,500.
1 reward point = ₹0.25 or 25 paise, and can be redeemed for cashback.
1% fuel surcharge waiver, upto ₹250 per month
You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on all fuel transactions between ₹400 and ₹5000, and
– Only on fuel spends upto ₹25,000 per month (since the maximum waiver amount is capped at ₹250 per month).
GST paid on fuel purchases is not refunded. Some fuel pumps may not have a 1% surcharge on fuel purchases, it could be a little higher or lower. However you will get maximum monthly waiver amount of ₹250 only, irrespective.
3 free add-on cards
You can get upto 3 lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Snapdeal BOB Credit Card.
Shared benefits : With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.
Please click here, to see all available options to contact your card issuer.
Annual fee & annual fee offers
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year annual fee | ₹249 | Welcome benefits: You get Snapdeal vouchers worth ₹500, on paying the joining fees and using the card within 30 days of card issuance |
| Annual fees from 2nd year onwards | ₹249 | Renewal fee offer : Nil |
Late payment fee
Late payment fees depends on the total payment due
| Total payment amount due | Late fee |
|---|---|
| Less than ₹100 | Nil |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹400 |
| ₹1,001 to ₹10,000 | ₹750 |
| ₹10,000 to ₹25,000 | ₹950 |
| ₹25,000 to ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – Snapdeal BoB Credit Card Fees & Charges
| Minimum age | 21 years (minimum age for add-on cards is 18 years) |
| Maximum age | 65 years |
| Occupation | Salaried, self-employed |
| Income requirements | Salaried : ₹3.60 lakhs per year Self-employed : ₹4.80 lakhs per year |
| Residential status | The individual should be a resident of India. |
| Required documents | PAN card copy Proof of identity (any one) : Aadhaar card / voter ID card /passport /driving licence Address proof (any one) : Aadhaar card / voter ID card /passport / driving licence / utility bills / property or municipal tax receipt /rent agreement / house allotment letter issued by state or central government Income proof : – Salaried : Last 2 months salary slip, bank statement showing salary credits – Self-employed : Latest income tax return (ITR) Document requirement may vary on a case-to-case basis, and is at the sole discretion of Bank of Baroda Financial. |
Snapdeal BoB Credit Card is a good entry level shopping card from BoB Financial. You get 5% cashback on Snapdeal shopping. You also get 2.50% cashback on both online shopping (non-Snapdeal), as well as grocery & department store purchases, making this a good entry level all-round shopping card.
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