BOBCARD Cashback Credit Card
BOBCARD Limited
Simple flat online cashback, no category complexity.
₹499
Joining fee
₹499
Annual fee
None — no spend-based waiver available (aggregator-sourced, both CardInsider and Paisabazaar agree no waiver exists).
3.5%
Forex markup
4.1 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 18–65
Salaried: minimum Rs 3 lakh net annual income, age 21-60; self-employed: minimum Rs 3.5 lakh net annual income, age 24-65; add-on cardholders 18+ (aggregator-sourced, Paisabazaar).
Key features
- 5% cashback on domestic online spends (cap ₹1,500/month)
- Unlimited 1% elsewhere
- An alternate ₹49/month fee plan exists but isn't representable in this schema — only the ₹499 annual plan is stored
Reward details
unlimited 1% cashback on offline spends
- up to 5% cashback (4% accelerated + 1% base) on Online purchases — Rs 1,500/month on the accelerated portion; requires a minimum of 4 transactions per month to unlock
Redemption
Cashback auto-credited to the statement.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Effortless savings experience with auto-credited cashback; low annual fee; simple 5% online-cashback structure appealing to online shoppers and credit-card newcomers — Paisabazaar/CardInsider
Complaints
- Capping on the accelerated cashback rate; no option to waive the annual fee via spend — Paisabazaar
Sources
- Aggregator — eligibility, rewards, sentiment
- Aggregator — fees, lounge, sentiment
- Official (blocked when last checked) — fees/rewards page exists but blocked by robots.txt