BOB Cashback Credit Card benefits
- Rewards5%
cashback on domestic online spends
up to ₹1,500 a month, with at least 4 transactions in the statement cycle
- Rewards1%
cashback on all other eligible spends
- Fees
Fee of ₹499 a year or ₹49 a month, before GST
- Fees
No fee waiver on spending
- Fuel1%
fuel surcharge waiver
up to ₹250 per statement cycle
Good to know
- Foreign currency markup of 3.5%, before GST
BOB Cashback Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Online shoppingDomestic online spends. You need at least 4 transactions in the statement cycle to get the higher rate. BOBCARD's card page says the ₹1,500 limit is per month. Its terms table says per statement cycle. | 5% back | 1,500 |
| Everything else | 1% back | None |
No rewards on: Fuel, ATM cash withdrawals, quasi-cash, transactions below ₹100, and select merchant categories such as rent, wallet loads, insurance, education, government payments, tolls and supermarkets.
All reward rules
- International transactions earn 1% cashback only. The 5% rate applies to domestic online spends.
- Cashback is credited automatically and shows in the next credit card statement.
- Groceries are listed as no-reward only for supermarket and convenience store spends (MCC 5411, 5499). Other grocery merchants may still earn.
What the BOB Cashback Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0% | ₹0 |
| Dining and food delivery | ₹2,000 | 1% | ₹240 |
| Online shopping | ₹18,000 | 5% | ₹10,800 |
| Travel | ₹1,000 | 1% | ₹120 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 1% | ₹240 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹11,760 | |
| Renewal fee with GST | −₹589 | ||
| You keep | ₹11,171* |
BOB Cashback Credit Card annual fee and charges
- Joining fee
- ₹499
- Annual fee
- ₹499
- Foreign currency markup
- 3.5%
You can pay either a joining and annual fee of ₹499 a year, or a monthly fee of ₹49. There is no spend-based waiver. Fees are before GST.
Fuel surcharge: 1% waiver on fuel transactions from ₹400 to ₹5,000, up to ₹250 per statement cycle.
BOB Cashback Credit Card eligibility
- Age
- 21 to 60
Indian resident. BOBCARD may set lower or higher age cut-offs at its discretion. We could not read the minimum income on the card page, so check it before you apply.
The bank alone decides approval and your credit limit.
BOB Cashback Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the BOB Cashback Credit Card right for you?
A card with a ₹499 yearly fee, paying 5% on online shopping and an above-average 1% elsewhere.
Worth its fee if you spend about ₹2,000 a month or more. Below that, the ₹499 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on online shopping: the card pays 5% back there, against 1% on most other spends.
Not for you if
- Your rewards would not reach ₹589 a year: that is the renewal fee with GST, and spending does not waive it.
- You spend more than ₹30,000 a month on online shopping: the higher rate stops there.
- Much of your spending is on groceries: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to BOB Cashback Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| BOB Cashback Credit Card | ₹499 | 5% | ₹5,771* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| Cashback SBI Card | ₹999 | 5% | ₹6,720* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹12,360 a year, against ₹11,171 with the BOB Cashback Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the BOB Cashback Credit Card?
You can pay ₹499 a year as the joining and annual fee, or ₹49 a month. Both are before GST. There is no spend-based waiver.
Is the BOB Cashback Credit Card lifetime free?
No. It has a ₹499 yearly fee or a ₹49 monthly fee. The fee is not waived on spending.
What is the cashback limit on the BOB Cashback Credit Card?
The 5% rate on domestic online spends is limited to ₹1,500. BOBCARD's card page says this is per month. Its terms table says per statement cycle. You also need at least 4 transactions in the statement cycle.
Which spends earn no cashback on this card?
Fuel, ATM cash withdrawals, quasi-cash and transactions below ₹100 earn no cashback. Select merchant categories such as rent, wallet loads, insurance, education, government payments and tolls are also left out.
Does the BOB Cashback Credit Card give airport lounge access?
No. BOBCARD's lounge program table does not include this card.
Who can apply for the BOB Cashback Credit Card?
You must be an Indian resident aged 21 to 60 years. BOBCARD may use lower or higher cut-offs. Check the card page for the minimum income.