BOBCARD Launches Cashback Credit Card: Just ₹49 Monthly, 5% Reward on Online Spending

BOBCARD Limited, a fully owned subsidiary of Bank of Baroda, has introduced a new Cashback Credit Card designed for consumers who heavily rely on digital payments for their everyday needs. As online transactions surge across categories such as groceries, utilities, fuel, travel and e-commerce, customers are increasingly seeking cards that offer meaningful cashback on routine spending. The new BOBCARD Cashback Credit Card aims to meet that demand with a simple, transparent, and highly rewarding benefit structure.

Affordable Fees: Card Available for Just ₹49 Per Month

The newly launched card comes at an accessible price point, offering customers the choice of a ₹49 monthly fee or an annual fee of ₹499. BOBCARD Limited highlights that the biggest appeal of this product lies in its uncomplicated cashback model, ensuring users earn rewards on nearly every purchase they make. The company’s objective is to transform everyday spending into daily savings—helping customers earn more value on the transactions they already make.

5% Cashback on Online Shopping, 1% on All Other Spends

One of the key highlights of the BOBCARD Cashback Credit Card is its attractive reward structure. The card offers:

• 5% cashback on online purchases

• 1% flat cashback on all other spending categories

• 1% fuel surcharge waiver, adding extra savings for those who commute regularly

Cardholders can activate their new card easily within 30 days through the BOBCARD mobile app or other available methods. In addition, customers will also have access to the Smart EMI feature, which allows them to convert large purchases into EMIs ranging from 6 to 48 months. This makes big-ticket spending more flexible and manageable.

Wide Range of Categories Eligible for Cashback

BOBCARD Limited has emphasized that the cashback benefits are not restricted to selective categories. In fact, the company has expanded the eligible list to cover almost every major spending segment. Customers can earn cashback on:

• Supermarkets and grocery stores

• Online shopping websites

• Restaurants and cafés

• Fuel stations

• Cab services and metro/bus fares

• Electricity and water bills

• Medical stores

• OTT subscriptions

• School and tuition fees

• General retail outlets

The intention is to ensure that users receive consistent savings—not occasionally, but through daily, monthly, and recurring expenses.

Simple, Paperless Application Process

Applying for the card is completely online and does not require physical documentation. Customers can visit the BOBCARD digital platform, where the entire application process is self-service (DIY) and can be completed within minutes. Once the card is issued, users can register on the BOBCARD mobile app or website to manage their account. They can easily check transactions, access statements, make bill payments, set controls, and raise service requests through the platform.

Designed for Today’s Digital-Payment Lifestyle

With the rapid growth of digital transactions across essential and lifestyle categories, BOBCARD aims to provide a card that makes everyday spending more rewarding and convenient. The combination of low fees, a generous cashback structure, wide merchant coverage and a seamless digital onboarding experience makes this credit card an appealing option for consumers looking to maximise savings on routine payments.