By: OurMoneyGuide || Last updated on: May 31, 2024

Snapdeal BOB Credit Card is a cobranded credit card from 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.

Brief Summary

Our Rating

4.0 / 5

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.

Pros & Cons of Snapdeal BOB Credit Card

Pros

  • Good cashback rate of 5% on Snapdeal.
  • 2.50% cashback on both online shopping (non-Snapdeal), as well as grocery & department store purchases makes this a good all-round starter shopping card.

Cons

  • No spend based renewal fee offer
  • You will need to consider other cards to earn higher rewards on non-shopping spends

Features & Benefits of the Snapdeal BOB Credit 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 (25 paise), and is automatically credited as cashback in your next month’s card statement. 

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 total 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 (25 paise), and is automatically credited as cashback in your next month’s card statement

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 (25 paise), and is automatically credited as cashback in your next month’s card statement

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.

BOB customer care number

Please click here, to see all available options to contact your card issuer.

Snapdeal BOB Credit Card Fees and Charges

Annual fee & annual fee offers


Annual feeAnnual fee offers
1st year annual fee₹249Welcome 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₹249Renewal fee offer : Nil

Late payment fee

Late payment fees depends on the total payment due

Total payment amount dueLate fee
Less than ₹100Nil
₹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

Important Note

– 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

Eligibility Criteria

Minimum age21 years (minimum age for add-on cards is 18 years)
Maximum age65 years
OccupationSalaried, self-employed
Income requirementsSalaried : ₹3.60 lakhs per year
Self-employed : ₹4.80 lakhs per year
Residential statusThe individual should be a resident of India.

Application Process

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.

Conclusion

Snapdeal BoB Credit Card is a good starter 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.