Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance and Snapdeal vouchers worth upto Rs 500 on card usage within 30 days of issuance.
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Snapdeal Bobcard
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance and Snapdeal vouchers worth upto Rs 500 on card usage within 30 days of issuance.
Milestone Benefits
None.
Cashback Rate
1 RP= INR 0.25.
5% Unlimited cashback (20 reward points per ₹ 100) for purchases on the Snapdeal website & app only.
10 reward points for every ₹ 100 spent on online shopping, grocery & departmental stores (Cashback rate: 2.5%),
4 reward points for every ₹ 100 spent on other categories (Cashback rate: 1%).
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Free add-on card.
Lounge Access
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance and Snapdeal vouchers worth upto Rs 500 on card usage within 30 days of issuance.
Milestone Benefits
None.
Cashback Rate
1 RP= INR 0.25.
5% Unlimited cashback (20 reward points per ₹ 100) for purchases on the Snapdeal website & app only.
10 reward points for every ₹ 100 spent on online shopping, grocery & departmental stores (Cashback rate: 2.5%),
4 reward points for every ₹ 100 spent on other categories (Cashback rate: 1%).
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Free add-on card.
Lounge Access
Fees & Charges
Joining Fee
INR 249
Annual Fee
INR 249
Cash Advance Fee
Cash Withdrawal fee: 2.5% of the withdrawn amount or INR 500, whichever is higher Service
Interest rate
3.49% per month�
Late Payment Fee
No fee Late Payment Charges
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 3.5% of transaction amount
Other Fees
First Year Fee (levied in the first statement): INR 249 | Finance Charges: 3.49% per month | Surcharge on usage at Petrol outlets: Waived 1% of transaction amount (between INR 400- 5000) capped at INR 250 per statement
Fees & Charges
Joining Fee
INR 249
Annual Fee
INR 249
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.49% per month�
Late Payment Fee
No fee Late Payment Charges
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 3.5% of transaction amount
Other Fees
First Year Fee (levied in the first statement): INR 249 | Finance Charges: 3.49% per month | Surcharge on usage at Petrol outlets: Waived 1% of transaction amount (between INR 400- 5000) capped at INR 250 per statement
Special Features
5% Unlimited cashback (20 reward points per ₹ 100) for your purchases on the Snapdeal website & app
Eligibility Criteria
Age Criteria: Primary Card Holder- 21 to 65 years old ; Add-on Cardholder- above 18 years old
Minimum annual income of INR 3.60 Lakhs for salaried individuals and minimum annual income of INR 4.80 Lakhs for self-employed individuals
Resident of India
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the Bank of Baroda website or Snapdeal website. They both have information about the card and an "Apply Now" option.
Fill out the online application form with your details.
You will likely need to complete a video KYC (Know Your Customer) process for verification.
Contact Details
1800 225 100
Account Opening and Procedure
Leaving the Snapdeal rewards, this is a decent entry-level card with a 1% to 2.5% return on spending. This is also a good fit for a Rupay credit card that you can also use for UPI transactions in the future. The one downside is you need to pay the fee of Rs 249 plus taxes every year for this card. This impacts the total return on the card. Another drawback of this card is BoB customer support. It is non-existent when we will need it the most.
Leaving the Snapdeal rewards, this is a decent entry-level card with a 1% to 2.5% return on spending. This is also a good fit for a Rupay credit card that you can also use for UPI transactions in the future. The one downside is you need to pay the fee of Rs 249 plus taxes every year for this card. This impacts the total return on the card. Another drawback of this card is BoB customer support. It is non-existent when we will need it the most.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai