Snapdeal BOBCARD Credit Card
Snapdeal's co-branded BOBCARD ties its best rewards to a single retailer and carries a flat ₹249 fee. Spending through the Snapdeal website or app earns 20 reward points per ₹100 spent (roughly 5% once you value a point at ₹0.25), and BOBCARD does not publish any statement cap on that tier, marketing it as unlimited. A second, lower tier covers other online shopping and departmental stores at 10 RP per ₹100 (about 2.5%), but that one tops out at 2,000 reward points in a statement cycle. Everything outside those two categories falls back to 4 RP per ₹100 — close to 1% — which is still a solid base rate for a card in this fee bracket. Because it's RuPay-only, cardholders can link it into UPI apps, though UPI transactions only ever earn the base rate and don't count toward the welcome bonus or activation reward. New cardholders get Snapdeal vouchers worth up to ₹500 for using the card within the first 30 days, plus 500 bonus reward points for crossing ₹5,000 in spend within 60 days. The trade-off is the fee itself: both the ₹249 joining charge and the ₹249 annual renewal apply every year with no spend threshold that waives or reverses them. Fuel purchases don't earn any reward points on this card.
Key features
A quick look at what actually sets this card apart.
Welcome Benefit
~₹125 in vouchers, points or cashback on card activation
5% on Online Shopping
20 RP per ₹100 (~5% at ₹0.25/point) on Snapdeal purchases, marketed as unlimited with no stated statement cap
2.5% on Online Shopping
10 RP per ₹100 (~2.5%) on other online shopping and at departmental stores, capped at 2,000 reward points per statement (~₹20,000 of monthly spend)
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 5% | — |
| Online Shopping | reward points | 2.5% | ₹500 |
| Other | reward points | 1% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹294 |
| Joining fee (incl. 18% GST) | ₹294 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
What this card offers beyond point-earning — roughly ₹1,200 a year in estimated value.
fuel waiver ~ ₹1,200 /yr
A 1% surcharge waiver applies to fuel purchases between ₹400 and ₹5,000, up to ₹250 per statement cycle — though the fuel spend itself doesn't generate any reward points
Should you get it?
Best for: Regular Snapdeal shopper, Someone wanting a cheap RuPay/UPI card with a 1% base rate, First-time card user with modest online spend
An entry-level option — well suited to first-time cardholders and those with lighter spending.
It delivers the most value if a meaningful share of your spending happens on Online Shopping (5% back).
✓ Pros
- Roughly 5% back on Snapdeal purchases, and BOBCARD doesn't publish a cap on that tier
- A 4 RP/₹100 (~1%) base rate that's above average for a ₹249 card
- RuPay and UPI-linked, so you can pay by scanning QR codes
- An activation benefit of Snapdeal vouchers worth up to ₹500
- Up to 3 add-on cards issued free for life
✕ Cons
- The ₹249 annual fee never waives or reverses, no matter how much you spend — it's a fixed yearly cost
- Fuel purchases earn zero reward points
- The ~5% earn rate only applies to Snapdeal; the 2.5% online-shopping tier is capped at 2,000 RP per statement
- Categories like supermarkets, rent, government payments, and education earn nothing
- A 3.5% forex markup applies — this card isn't built for spending abroad
Eligibility & documents
Age
21 –65 years
Min. income
₹15,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 2 months bank statement reflecting salary credit (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
How to turn accumulated points into something usable.
🎁 Statement credit / cashback adjustment (₹0.25/point)
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Earn reward points on UPI transactions via linked apps
What your BOB Reward Points are worth
What each point is actually worth depending on how you redeem it — the gap here is where most cardholders lose value.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern Unlike nearly every other BOBCARD, this one offers no fee waiver or reversal at any spend threshold, so the annual charge is unavoidable. Fuel purchases earn nothing, and the 2.5% online-shopping tier maxes out at 2,000 RP per statement.
The bottom line
This is an inexpensive, narrowly focused co-brand that actually performs better than expected on everyday spending — its 4 RP/₹100 (~1%) base rate beats most cards at the ₹249 fee level, and the roughly 5% Snapdeal rate carries no cap. That said, the fee never waives regardless of spend, fuel purchases earn nothing, and supermarkets are excluded entirely, so it's really only worthwhile if Snapdeal is a regular part of how you shop.
Sources & verification
Fee amounts, reward rates, and benefit details for the Snapdeal BOBCARD Credit Card come from BOBCARD's official Most Important Terms & Conditions (MITC) and published fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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