BOBCARD Cashback Credit Card: rewards, caps and exclusions
The BOBCARD Cashback Credit Card pays 1% on International Transaction, and 5% on everything else. Below is every rate, cap and exclusion in Bank of Baroda's published terms, as we last checked them on 9 October 2026.
What it earns
What earns nothing
Spend in these categories earns no rewards on this card, however it is paid for:
- Cash withdrawals and fees
- Fuel
- Rent
- Wallet loads
- Government payments
- Education fees
- Insurance premiums
- Railway bookings
- Tolls
What costs extra
Worse than earning nothing: Bank of Baroda charges a fee for these.
- 1% on Processing Fee on Rent Payments, plus GST
- 1% on Processing Fee on Wallet Loading Transactions, plus GST
Fees
- Annual fee: ₹499, plus 18% GST
- Joining fee: ₹499
Where this comes from
Transcribed from Bank of Baroda's own documents and checked against them on 9 October 2026:
- product page, bobcard.co.in
- Product Features, media.bobcard.co.in (PDF)
- consolidated MITC, media.bobcard.co.in (PDF)
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Bank of Baroda's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
Hold this card?
We know this card's rules, but we don't read Bank of Baroda's mail yet, so the audit can't check your swipes on it. Which banks we read
Other Bank of Baroda cards
≈3.75% on International (in store / online), Food (in store / online), Travel (in store / online)
BOBCARD Premier Credit Card≈2.5% on International (in store / online), Food (in store / online), Travel (in store / online)
HPCL ENERGIE BOBCARD Credit Card≈4% on Fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App (in store / online)
Snapdeal BOBCARD Credit Card≈5% on Purchases on the Snapdeal website & Mobile App (in store / online)