Our Money Guide

Snapdeal BOB Credit Card is a co brand 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. Hence it is a good entry level shopping card.

Brief Summary

Our Rating
4.0 / 5

Our View

Best for those who shop on Snapdeal frequently – you get 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 upto ₹20,000 monthly purchases 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 entry level shopping card.

on BOB Financial website

Snapdeal BOB Credit Card

Special Benefits

5% cashback on Snapdeal

Other Benefits

2.50% cashback on ‘online shopping’, grocery & department store purchases

Minimum Income

₹3.60 lakhs per year (salaried), ₹4.80 lakhs per year (self-employed)

Annual Fee

₹ 249

Annual Fee Offers

Welcome offer worth ₹500

Comparison of Bank of Baroda Credit Cards

Features
Eterna Credit Card
Our Rating
       
APPLY NOW
IRCTC BoB Rupay Credit Card
Our Rating
       
APPLY NOW
Snapdeal Credit Card
Our Rating
       
APPLY NOW
Premier Credit Card
Our Rating
       
APPLY NOW
Prime Credit Card
Our Rating
       
APPLY NOW
Cashback Rates 1.5% – 3%

2%

5%

1% – 5%

0.25% 0.5%

Other benefits Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge
Annual Fee ₹2499

₹500

₹249

₹1000

Nil

Annual Fee Offers Annual Fee Reversal on meeting ₹2,50,000 spends Nil Nil Annual Fee Reversal on meeting ₹1,20,000 spends Nil
Minimum Income ₹ 12 Lakhs per annum or more

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

Not Specified Nil

Snapdeal BOB Credit Card : Summary Table

5% cashback on Snapdeal 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 into your next month’s card statement.
2.50% cashback on ‘online shopping’ (other than Snapdeal shopping), department store spends & grocery shoppingYou earn 10 reward points worth  ₹2.50,  on every ₹100 you spend in this category. 1 reward point = ₹0.25 (25 paise), and is automatically credited as cashback into your next month’s card statement.

This benefit is valid only on total monthly purchases upto ₹20,000 across these categories, since the maximum number of reward points earned at this enhanced rate is limited to 2000 reward points per monthly card billing cycle.
1% basic cashback on all other card spendsYou earn 4 reward points worth  ₹1,  on every ₹100 you spend on all other card purchases. 1 reward point = ₹0.25 (25 paise), and is automatically credited as cashback into your next month’s card statement.
Fuel surcharge waiver, upto ₹250 per month You get 1% fuel surcharge waiver at all fuel stations:
– 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 restricted to ₹250 per month).
₹249 annual feeAnnual fee offers – 
Welcome offer: You get Snapdeal vouchers worth ₹500, on paying the joining fee and using the card within 30 days of card issuance.
Minimum income requirementsSalaried : ₹3.60 lakhs per year (₹30,000 per month)
Self employed : ₹4.80 lakhs per year

Pros and 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 entry level all-round shopping card.
Cons
  • No spend based renewal fee offer
  • Low benefit rate on other spending needs like travel, fuel, utility bill payments. Hence may need to consider other cards as well.

Full Review of the Snapdeal BOB Credit Card

Snapdeal BOB Credit Card

Features & Benefits of Snapdeal BOB Credit Card

5% benefit on Snapdeal shopping

You earn 20 reward points on every ₹100 you spend on Snapdeal purchases = ₹5 on every ₹100 you spend. Since 1 reward point = ₹0.25 or 25 paise.

You can easily redeem your points for cashback, online OR through Bank of Baroda helpline. 1 reward point = ₹0.25 or 25 paise. This cashback is paid towards your next month’s card bill.

Reward points expire after two years from the date of earning.

2.50% benefit on ‘online shopping (except Snapdeal)’, grocery & departmental store purchases

You earn 10 reward points on every ₹100 you spend in this category = ₹2.50 on every ₹100 you spend. Since 1 reward point = ₹0.25 or 25 paise.

This benefit is valid only on total monthly purchases upto ₹20,000 across these categories, since the maximum number of reward points earned at this enhanced rate is limited to 2000 reward points per monthly card statement cycle.

The reward points expire after two years from the date of earning.

1% basic benefit on all other card spends, including UPI spends

You earn 4 reward points on every ₹100 you spend in this category = ₹1 on every ₹100 you spend. Since 1 reward point = ₹0.25 or 25 paise.

1% fuel surcharge waiver
3 free add-on cards

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.

Necessary documents and verification

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 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. 

Apply Now

on BOB Financial website

Frequently Asked Questions

How can I apply for a Snapdeal BoB Credit Card?

The easiest way to apply for a Snapdeal BoB Credit Card is by clicking here , OR you can visit BOB Financial’s official website. You can also visit a nearby branch. Please fill out the application form, provide the necessary documents, and submit them as per BOB Financial’s guidelines.

What documents are required to apply for a Snapdeal BoB Credit Card?

You will need proof of identity (such as a PAN card, Aadhaar card, or passport), proof of address (such as utility bill or rental agreement), income proof (salary slips, IT returns, etc.), and passport-sized photograph. PAN card copy is mandatory.

What are the eligibility criteria for Snapdeal BoB Credit Card ?

Some of the eligibility criteria for Snapdeal BoB Credit Card are – minimum yearly income of ₹3.60 lakhs (for salaried individuals) and ₹4.80 lakhs (for self-employed individuals) , age band of 21-65 years, and being a resident of India. There maybe additional criteria which are not explicitly specified, ultimately the card approval is at the sole discretion of BOB Financial.

How long does it take to get approved for a Snapdeal BoB Credit Card?

The approval time may vary depending on the completeness of your application and the verification process. Generally, it takes a few working days for the bank to review your application and provide a decision.

Compare Products
Action Add Product
Image
Title
Price
Stock Status
Quantity
Add To Cart
Review
IndusInd Nexxt Credit Card
IndusInd Nexxt Credit Card
0 customer review
Yes Bank BYOC Credit Card
Yes Bank BYOC Credit Card
0 customer review
Air India SBI Platinum Card
Air India SBI Platinum Card
0 customer review
Air India SBI Signature Card
Air India SBI Signature Card
0 customer review
SBI Etihad Guest Card
Etihad Guest SBI Card
0 customer review
SBI Etihad Premier Card
Etihad Guest SBI Premier Card
0 customer review
SimplySAVE UPI SBI Card
SimplySAVE UPI SBI Card
0 customer review
Paytm SBI Card
Paytm SBI Card
0 customer review
Apollo SBI Card
Apollo SBI Credit Card
0 customer review
SBI Ola Card
OLA Money SBI Credit Card
0 customer review