BOBCARD Cashback Credit Card
BOBCARD · Mastercard · Entry card
A simple cashback structure adds an affordable online-spend alternative to the catalogue.
Online shoppers who can meet the four-transaction condition and want automatic statement cashback.
Terms checked 23 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Bills & utilities | 1% |
| Entertainment & movies | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Gold & jewellery | 1% |
| Other miscellaneous | 1% |
| Groceries & essentials | 0% |
| Fuel & commute | 0% |
| Beauty & wellness | 0% |
| Education & family | 0% |
| Healthcare & pharmacy | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- Incremental online cashback: ₹1,500/statement cycle
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Approx. ₹25,000/month salaried · ₹30,000/month self-employed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Qualified online cashback bonus
Usage-based valueFour incremental percentage points plus the 1% base produce 5% after at least four eligible transactions in the statement cycle.
Conditions: Four incremental percentage points plus the 1% base produce 5% after at least four eligible transactions in the statement cycle.
Base cashback
Usage-based valueOne percent cashback on other eligible transactions of at least ₹100.
5% cashback on eligible domestic online purchases after four transactions in the statement cycle
Shown without a cash value₹1,500 statement-cycle cap applies only to the incremental online cashback
Shown without a cash valueUnlimited 1% cashback on other eligible purchases
Shown without a cash valueCashback automatically credits in the following statement
Shown without a cash value
Fees · 3 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Choice of ₹49 monthly fee or ₹499 joining/annual fee at application; this record models the ₹499 annual plan
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹25,000. Published annual thresholds are ₹3 lakh for salaried and ₹3.6 lakh for self-employed applicants; age 25-55.
Other benefits · 2 items
1% fuel-surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
Shown without a cash valueUp to three add-on cards and Smart EMI conversion
Shown without a cash value
Other categories (13)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 5% cashback on eligible domestic online purchases after four transactions in the statement cycle
- ✓ ₹1,500 statement-cycle cap applies only to the incremental online cashback
- ✓ Unlimited 1% cashback on other eligible purchases
- ✓ Cashback automatically credits in the following statement
What to watch
The 5% online rate unlocks only after four eligible transactions in the statement cycle and excludes transactions below ₹100. This is a Mastercard, so it does not support RuPay credit-card UPI.
Recorded exclusions
Groceries · Fuel Commute · Beauty Wellness · Education Family · Healthcare · Rent · Insurance · Wallet load · Government payments · Contracted services · Transportation · Charity · Fast food · Cash withdrawal · Quasi cash
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026