Table of Contents
- 1. Key Takeaways
- 2. Understanding the Snapdeal Co-Brand Advantage
- 3. Feature Comparison
- 4. The 5% Snapdeal Cashback: How It Works in Practice
- 5. Annual Reward Comparison: Realistic Spending Profile
- 6. When BOB Easy Has an Advantage
- 7. Who Should Choose Snapdeal BOBCARD
- 8. Who Should Choose BOB Easy
- 9. The Bottom Line
- 10. Frequently Asked Questions
Key Takeaways
- Snapdeal BOBCARD earns 20 RP per Rs 100 on all Snapdeal website and mobile app purchases. At Rs 0.25 per RP, this equals an effective 5% cashback with no monthly cap.
- Snapdeal card also earns 10 RP per Rs 100 on all other online shopping and departmental store spends, and 4 RP per Rs 100 on all other categories.
- BOB Easy earns 5X (5 RP per Rs 100) on departmental stores and movies, and 2 RP per Rs 100 on other categories including all online shopping.
- Snapdeal card's welcome benefit includes a Rs 500 Snapdeal voucher on spending Rs 5,000 in the first 30 days, plus 500 bonus RP.
- Both cards redeem at 1 RP = Rs 0.25 as statement credit. Reward points expire after 24 months from accrual.
- Neither card includes lounge access. Both are pure everyday spend and shopping cards.
Understanding the Snapdeal Co-Brand Advantage
Co-branded credit cards issued in partnership with specific retailers typically offer elevated earn rates on that retailer's platform and a standard rate elsewhere. The Snapdeal BOBCARD follows this structure but with an unusually strong platform earn rate of 20 RP per Rs 100 - translating to 5% cashback equivalent. Unlike some co-branded cards that cap the bonus earn at a monthly limit, the Snapdeal earn on BOBCARD appears unlimited, making it genuinely rewarding for heavy platform users.
The secondary earn rate of 10 RP per Rs 100 on all other online shopping and departmental stores is equally noteworthy. This means the Snapdeal BOBCARD is not merely a single-platform card - it is a competitive online shopping card even for non-Snapdeal purchases. Amazon, Flipkart, Myntra, Meesho, and other e-commerce transactions all earn at 10 RP per Rs 100 (2.5% return), which is higher than most entry-level cards' base online earn rates.
Feature Comparison
| Feature | BOBCARD Snapdeal | BOBCARD Easy |
|---|---|---|
| Annual fee | ~Rs 500 + GST | ~Rs 500 + GST |
| Snapdeal earn | 20 RP/Rs 100 (5% cashback equivalent) | 2 RP/Rs 100 (base rate only) |
| Online shopping earn | 10 RP/Rs 100 | 2 RP/Rs 100 |
| Departmental stores earn | 10 RP/Rs 100 | 5 RP/Rs 100 |
| Movies earn | 4 RP/Rs 100 | 5 RP/Rs 100 |
| All other spends | 4 RP/Rs 100 | 2 RP/Rs 100 |
| Welcome benefit | Rs 500 Snapdeal voucher + 500 RP | 500 RP on Rs 5,000 in 60 days |
| Fuel surcharge waiver | 1% on Rs 400-Rs 5,000, max Rs 250/month | 1% on Rs 400-Rs 5,000, max Rs 250/month |
| Lounge access | None | None |
| Network | Visa | Visa/RuPay |
The 5% Snapdeal Cashback: How It Works in Practice
The Snapdeal BOBCARD earns 20 reward points for every Rs 100 spent on the Snapdeal website or mobile app. At Rs 0.25 per reward point, this equals Rs 5 back for every Rs 100 spent - a 5% effective cashback. This applies to all product categories on Snapdeal including electronics, fashion, home goods, and daily essentials.
Consider a household that spends Rs 5,000 per month on Snapdeal across regular purchases. The annual Snapdeal spend is Rs 60,000. At 20 RP per Rs 100, this generates 12,000 RP worth Rs 3,000 in reward value annually. Against an annual fee of roughly Rs 590 (Rs 500 plus GST), the card delivers Rs 2,410 in net reward value purely from Snapdeal purchases - and that is before counting rewards on other spending categories.
On Non-Snapdeal Online Platforms
The 10 RP per Rs 100 rate on all other online shopping is a significant secondary earn. On Rs 3,000 per month in Amazon and Flipkart purchases, the Snapdeal card generates 300 RP = Rs 75 per month = Rs 900 per year. By comparison, BOB Easy earns only 2 RP per Rs 100 on the same non-Snapdeal online shopping, generating just 60 RP = Rs 15 per month = Rs 180 per year. The difference is Rs 720 annually in favour of the Snapdeal card purely on non-Snapdeal online spend.
Annual Reward Comparison: Realistic Spending Profile
For a cardholder who spends Rs 3,000 per month on Snapdeal, Rs 3,000 per month on other online platforms, Rs 2,000 per month at departmental stores, and Rs 1,000 per month in other categories, the annual reward comparison looks like this:
| Spend Category | Monthly | Snapdeal Card Annual | Easy Card Annual |
|---|---|---|---|
| Snapdeal purchases | Rs 3,000 | 7,200 RP = Rs 1,800 | 720 RP = Rs 180 |
| Other online shopping | Rs 3,000 | 3,600 RP = Rs 900 | 720 RP = Rs 180 |
| Departmental stores | Rs 2,000 | 2,400 RP = Rs 600 | 1,200 RP = Rs 300 |
| Other categories | Rs 1,000 | 480 RP = Rs 120 | 240 RP = Rs 60 |
| Total annual value | Rs 1,08,000 | Rs 3,420 | Rs 720 |
On this spending profile, the Snapdeal card generates Rs 3,420 in annual reward value versus Rs 720 on Easy - a difference of Rs 2,700 per year from the same spending pattern. This is a decisive advantage for anyone who shops online regularly.
When BOB Easy Has an Advantage
Easy has a genuine advantage in two specific scenarios. First, at departmental stores: Easy earns 5 RP per Rs 100 versus the Snapdeal card's 10 RP per Rs 100. Wait - Snapdeal actually wins here too, earning double Easy's rate at physical stores. The only category where Easy holds a marginal edge is movies: 5 RP per Rs 100 on Easy versus 4 RP per Rs 100 on the Snapdeal card. For a dedicated moviegoer spending Rs 2,000 per month on cinema tickets, the difference is Rs 20 per month = Rs 240 per year - genuinely negligible.
The clearest case for BOB Easy is a cardholder who never shops online, never uses Snapdeal, and spends almost entirely at physical departmental stores and cinemas. In that narrow profile, Easy's 5X on departmental stores provides strong everyday earn. But for any cardholder with even moderate online shopping, the Snapdeal card's broader online earn rate makes it the stronger choice.
Who Should Choose Snapdeal BOBCARD
- You shop on Snapdeal at least once or twice per month for electronics, fashion, or household items.
- You shop across multiple online platforms and want 2.5% return on Amazon, Flipkart, and other e-commerce sites.
- You want the best possible online cashback available in BOBCARD's entry-level product range.
- You value the Rs 500 Snapdeal welcome voucher as tangible first-purchase value.
Who Should Choose BOB Easy
- You rarely or never shop on Snapdeal or other online platforms.
- You exclusively shop at physical departmental stores like D-Mart or Big Bazaar.
- You are a regular moviegoer who wants to earn on cinema tickets.
- You want a RuPay variant for UPI-linked credit card payments on everyday transactions.
The Bottom Line
For virtually any cardholder who does any amount of online shopping, the Snapdeal BOBCARD outperforms BOB Easy. Its 5% cashback on Snapdeal and 2.5% on all other online platforms make it the strongest online spend card in BOBCARD's entry-level lineup. The Rs 500 welcome voucher provides immediate, tangible first-month value that Easy's 500 RP benefit cannot match.
BOB Easy is the right choice only for cardholders whose spending is entirely physical and who do not use online shopping or food delivery. If that describes you, Easy's 5X on departmental stores is a solid everyday earn. For everyone else, the Snapdeal card is the better entry-level BOBCARD in 2026.
Frequently Asked Questions
Disclaimer: This article is for informational purposes only and does not constitute financial advice. All fees and earn rates are sourced from bobcard.co.in and verified aggregator sources as of May 2026. Verify current terms at bobcard.co.in/most-important-terms-and-conditions before applying. BOBCARD Limited is a 100% subsidiary of Bank of Baroda and an RBI-regulated entity.
