BOBCARDRuPay / Visa Network

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Direct Bank Application via Official Issuer Portal

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3.8/5 Editorial Score

SNAPDEAL BOBCARD Credit Card

Affordable E-Commerce Rewards Card with 5% Unlimited Savings on Snapdeal

Best Suited For

Budget online shoppers, frequent Snapdeal buyers, and value-conscious consumers seeking affordable e-commerce savings.

Shopping

Joining Fee

₹249

One-time upfront

Annual Fee

₹249

Waived on ₹25,000 annual spend

Base Rewards

5% cashback on Snapdeal, 10 RPs on every Rs. 100 spent on groceries, online spends & departmental stores, and 4 RPs on every Rs. 100 spent elsewhere.

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

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Last verified 2 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

3.8/5 Editorial Score

The Snapdeal BOBCARD Credit Card is an accessible, entry-level co-branded shopping card designed specifically for price-conscious online consumers. Priced at an economical ₹249 plus GST joining and renewal fee, the barrier to entry is minimal, and cardholders receive a ₹500 Snapdeal shopping voucher upon card activation and spending ₹250 within 30 days. The card's main draw is its 5% reward rate on the Snapdeal e-commerce platform: cardholders earn 20 reward points per ₹100 spent on Snapdeal website and mobile app. Since 4 reward points equal ₹1, this delivers a direct 5.0% valueback. Furthermore, cardholders earn 10 reward points per ₹100 (2.5% return) on grocery shopping and department store purchases, and 4 reward points per ₹100 (1.0% return) on other qualifying retail. The card's renewal fee waiver requires an annual retail spend of just ₹25,000, making it one of the most accessible fee-waiver hurdles in the Indian banking landscape. Cardholders also benefit from a 1% fuel surcharge waiver across all fuel stations in India for transactions between ₹400 and ₹5,000. While it lacks premium travel privileges such as airport lounge access or low forex markup, for households that purchase apparel, household essentials, and gadgets on Snapdeal, this card easily pays for itself many times over.

Ideal For:Budget online shoppers, frequent Snapdeal buyers, and value-conscious consumers seeking affordable e-commerce savings.

Shopping

Card Strengths

5.0% effective reward rate (20 reward points per ₹100) on all Snapdeal orders
2.5% valueback (10 reward points per ₹100) on grocery and departmental store spends
₹500 Snapdeal shopping voucher upon activation, exceeding the ₹249 joining fee
Extremely low annual fee waiver threshold of just ₹25,000 spend per year
1% fuel surcharge waiver across petrol stations nationwide up to ₹250 per month

Things to Keep in Mind

Peak 5% valueback is restricted exclusively to the Snapdeal marketplace
No domestic or international airport lounge access privileges
Standard foreign currency markup fee of 3.50% applies on overseas transactions
Snapdeal marketplace catalog may have limited brand availability compared to Amazon or Flipkart

Additional Cardholder Privileges

Rewards

5% cashback on Snapdeal, 10 RPs on every Rs. 100 spent on groceries, online spends & departmental stores, and 4 RPs on every Rs. 100 spent elsewhere.

Welcome

Welcome Benefit 1

500 Bonus Reward Points on Spends of ₹5,000 or More

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: BOBCARD Reward Points
Reward Currency: BOBCARD Reward Points
Base Earn Rate: 5% cashback on Snapdeal, 10 RPs on every Rs. 100 spent on groceries, online spends & departmental stores, and 4 RPs on every Rs. 100 spent elsewhere.
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Snapdeal Purchases	20 Reward Points per ₹100 spent on Snapdeal website and app (5.00% valueback; 1 RP = ₹0.25)	No Cap	Standard terms apply
Online Shopping, Grocery & Dining	10 Reward Points per ₹100 spent on online shopping, grocery, and dining	No Cap	Standard terms apply
Other Retail Spends	1 Reward Point per ₹100 spent	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

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Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Snapdeal Purchases20.00%

No published cap

₹

Online Shopping, Grocery & Dining2.50%

No published cap

₹

Other Retail Spends0.25%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Snapdeal Purchases	₹6,000	20 Reward Points per ₹100 spent on Snapdeal website and app (5.00% valueback; 1 RP = ₹0.25)	—	None	Calculating...	Under cap
Online Shopping, Grocery & Dining	₹6,000	10 Reward Points per ₹100 spent on online shopping, grocery, and dining	—	None	Calculating...	Under cap
Other Retail Spends	₹18,000	1 Reward Point per ₹100 spent	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹249

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹249 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹249
Annual / Renewal Fee (2nd Year Onwards): ₹249
Annual Spend Fee Waiver: Waived on ₹25,000 annual spend
Fee Terms Notes: Shopping co-branded credit card; fee waived on ₹25,000 annual spend; 5% value back on Snapdeal

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹249 + GST; Annual Renewal Fee: ₹249 + GST. • Annual Fee Waiver: Spend ₹25,000 or more in the previous year to waive the ₹249 renewal fee. • Welcome Benefit: ₹500 Snapdeal shopping voucher upon card activation and first transaction within 30 days. • Reward Mechanics: 20 Reward Points per ₹100 spent on Snapdeal (5% return); 10 RP per ₹100 on grocery and department stores (2.5% return); 4 RP per ₹100 on other retail (1% return). • Point Valuation: 4 Reward Points = ₹1. Points redeemable against statement credit or merchandise catalog. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle). • Exclusions: Fuel transactions, wallet loads, cash advances, and rent payments do not earn reward points.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹249 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding SNAPDEAL BOBCARD Credit Card application, fees, reward redemption, and eligibility

What is the joining fee and welcome gift on Snapdeal BOBCARD Credit Card?

The joining fee is ₹249 plus GST. Upon card activation and completing your first purchase within 30 days, you receive a ₹500 Snapdeal e-voucher, effectively doubling your initial fee in value.

How much spend is required to waive the annual renewal fee?

You only need to spend ₹25,000 or more in retail transactions during the preceding card year to have the ₹249 annual renewal fee completely waived.

What is the reward rate on grocery and offline shopping?

You earn 10 reward points per ₹100 on groceries and department stores (2.5% return) and 4 reward points per ₹100 on all other general retail spends (1.0% return).

How do I redeem my BOBCARD reward points?

Reward points can be redeemed directly as statement cash credit (where 4 points = ₹1) or for shopping vouchers through the BOBCARD customer rewards portal.

What is the joining and annual renewal fee for SNAPDEAL BOBCARD Credit Card?

The joining fee for SNAPDEAL BOBCARD Credit Card is ₹249 (one-time), and the annual renewal fee is ₹249 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on SNAPDEAL BOBCARD Credit Card be waived?

Yes, the annual renewal fee of ₹249 is waived upon achieving annual spends of ₹25,000 in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on SNAPDEAL BOBCARD Credit Card?

SNAPDEAL BOBCARD Credit Card offers 5% cashback on Snapdeal, 10 RPs on every Rs. 100 spent on groceries, online spends & departmental stores, and 4 RPs on every Rs. 100 spent elsewhere.. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does SNAPDEAL BOBCARD Credit Card offer complimentary airport lounge access?

No, SNAPDEAL BOBCARD Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.