Snapdeal BOBCARD Review 2026
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Snapdeal BOBCARD Credit Card Review 2026

5% unlimited cashback on every Snapdeal purchase, 2.5% on all online shopping, and 1% on everything else - at just ₹249 a year.

3.2
/5
Card24 Score
Fees
3
Rewards
3
Benefits
4
Last reviewed March 2026 · Card24.ai editorial team
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Snapdeal BOBCARD
Annual Fee
₹249 + GST
Snapdeal Cashback
5%*
Online Shopping
2.5%*
Offline Cashback
1%*

Credit Card Verdict - Snapdeal Review

What we like

  • 5% unlimited cashback on all Snapdeal purchases - no cap on Snapdeal spend
  • 2.5% cashback on all online shopping and departmental stores - best-in-class rate at this fee level
  • ₹249 annual fee - the most affordable BOBCARD product
  • RuPay UPI-enabled - earn base reward points on everyday UPI transactions
  • Welcome package: ₹500 Snapdeal voucher + 500 bonus RP on first 60-day spend milestone

Watch out for

  • Manual redemption required since July 2025 - points no longer auto-credited to statement
  • 2.5% cashback on online shopping capped at 2,000 RP per statement (= ₹20,000 max eligible spend)
  • No lounge access, no dining program, no travel benefits - purely a shopping card
  • 5% cashback only on Snapdeal - value drops sharply if you shop on Amazon or Flipkart

*5% cashback on Snapdeal = 20 reward points per ₹100, redeemable at ₹0.25/point. 2.5% cashback on online shopping & departmental stores capped at 2,000 reward points per statement cycle. As of July 1 2025, reward points are no longer auto-credited - manual redemption required via BOBCARD app/portal. Minimum redemption: 1,000 points (₹250). UPI transactions earn core reward points only. Terms and conditions apply.

Credit Card Achievers - Snapdeal Review

Is Snapdeal BOBCARD Worth It in 2026?

Yes - if Snapdeal is part of your regular shopping routine. At ₹249 a year and 5% unlimited cashback on Snapdeal, it breaks even with your very first shopping trip.

Snapdeal BOBCARD is the only credit card in India offering unlimited 5% cashback on Snapdeal purchases at an annual fee under ₹250. For regular Snapdeal shoppers, it is the highest-return card at this price point - by far.

BOBCARD Snapdeal Credit Card Benefits

How to Get the Most Out of Snapdeal BOBCARD?

This card's headline benefit - 5% unlimited cashback - is exclusively for Snapdeal. Make this your only card for every Snapdeal purchase: electronics, fashion, home goods, personal care. There's no cap, so a ₹10,000 Snapdeal purchase returns ₹500 in cashback automatically.

BOBCARD Snapdeal Fees

Joining Fee ₹249 + GST

BOBCARD Snapdeal Credit Card Eligibility & Documents

Age 21-60 years
Minimum annual income ₹3,60,000
Documents required PAN card · Aadhaar · Last 3 months salary bank statement
Residency Indian resident only

Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.

How to Apply for BOBCARD Snapdeal Credit Card

The application process is entirely online and takes about 5-7 minutes.

1

Fill the Application - Enter your basic details on this page- name, income, employment type. Takes under 2 minutes. Card24.ai passes your details to BOBCARD's application system securely.

2

OTP verification - Complete Aadhaar-based OTP authentication for identity verification. This is BOBCARD's standard paperless KYC process

3

Video KYC - BOBCARD may request a short Video KYC session- a 2-minute video call where an agent verifies your face against your Aadhaar. Keep your PAN card handy. Usually scheduled within 24 hours.

4

Approval decision - Most applicants receive a decision within 24-48 hours. If approved, your digital card is available immediately for online transactions.

5

Physical card dispatch - Your physical card arrives in 3-7 working days. Activate it via the BOBCARD app or by calling customer care.

BOBCARD Snapdeal Credit Card FAQs

The Snapdeal BOBCARD Credit Card is a co-branded shopping credit card from BOBCARD (Bank of Baroda's credit card division) in partnership with Snapdeal. It offers 5% unlimited cashback on all Snapdeal purchases, 2.5% on online shopping and departmental stores, and 1% on all other spends. The card costs ₹249 per year and runs on the RuPay network.