BOBCARD Cashback Credit Card

The BOBCARD Cashback Credit Card (formerly Bank of Baroda Cashback) is one of the most practical and dependable cashback credit cards in India for middle-class households and daily budget managers. While many competing cards specifically exclude utilities and fuel from earning rewards, the BOBCARD Cashback card boldly targets these very essentials: offering 5% cashback on utility bill payments, supermarket/grocery shopping, and fuel transactions (earned as 20 reward points per ₹100 spend, where 4 points equal ₹1.00 in cash, capped at ₹250 per category per month). A standout operational feature is its automatic redemption mechanism: cardholders do not need to log into reward portals or pay redemption handling fees—cashback is automatically converted and credited directly against your credit card bill every month. All other eligible domestic and international retail purchases earn a flat 1% cashback (4 points per ₹100). The card carries zero joining fee on standard promotions and a nominal ₹500 annual renewal fee, which is reversed upon achieving ₹50,000 in annual retail spends. Cardholders also enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all petrol pumps across India. Its primary limitations include monthly category cashback caps (₹250 per category per month, limiting 5% benefits to ₹5,000 monthly spend per category), zero complimentary airport lounge visits, and standard spend exclusions on rent and wallet loads. Who should consider it: Everyday household budgeters who spend regularly on electricity bills, gas, groceries, and petrol and want automatic, guaranteed 5% statement cashback. Who should look elsewhere: Premium lifestyle spenders seeking airport lounge access, dining multipliers, or luxury air miles.

Additional Cardholder Privileges

Mandatory Verification Documents