BOBCARD Cashback
BOBCARD (Bank of Baroda) · Open to apply
A cashback card: 1% on most spends and 5% on domestic online spends (the extra 4% capped at ₹1,500 a statement and needing 4 transactions in the cycle), credited automatically, for a fee of ₹49 a month or ₹499 a year.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Base rate
- 1% cashback on other spends: 1% cashback (about 1% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Extra 4% on domestic online spends (5% in all): 4% cashback on top of the base rate (about 4% at cash value)
Earns nothing on
- No cashback on fuel (MCCs 5172, 5541, 5542, 5983)
- No cashback on rent (MCC 6513)
- No cashback on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
- No cashback on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
- No cashback on wallet loads (MCCs 6539 to 6543)
- No cashback on insurance (MCCs 5960, 6300)
- No cashback at supermarkets, convenience and variety stores (MCCs 5261, 5331, 5411, 5499)
- No cashback on toll and road fees (MCC 4784)
- No cashback on railway bookings (MCC 4112)
- No cashback on fast food (MCC 5814), taken to include Swiggy and Zomato
Where the sources disagree
- Fee plan: The consolidated MITC lists "₹49 per month or ₹499" for both the joining and the annual fee; the page says the holder selects either a monthly fee of ₹49 or a joining and annual fee of ₹499. The yearly plan is entered.
Terms the calculator does not value
- The page's "5% (up to ₹1,500 a month)" could be read as a cap on all online cashback; the T&C puts the cap on the accelerated part only, which is entered.
- Food delivery apps (Swiggy, Zomato) are assumed to be fast food, MCC 5814, and so excluded from cashback, not just points.
- Other MCCs that earn no cashback and have no calculator category: agriculture, contractors, the transportation MCCs 4111, 4131 and 4789, personal and civic services (7211, 7230, 7276, 7349, 8111, 8641), hospitals (8011, 8062; our health category also holds pharmacies and is not excluded) and charity (8398, 8661). Transactions under ₹100 earn no cashback.
Sources
- BOBCARD Cashback product page (Product page, the bank's own, read 6 Nov 2026)
- BOBCARD Key Fact Statement (PDF created 17 Jul 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- BOBCARD Consolidated MITC, version GENERIC MITC 2.0 JULY2026 (PDF created 7 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- BOBCARD Product Features, Important Terms and Conditions (2 Nov 2026 edition) (Reward terms, the bank's own, read 6 Nov 2026)
- BOBCARD notice, Revision in Product Features and Charges w.e.f. 1st April 2026 (PDF created 2 Mar 2026) (Bank notice, the bank's own, read 6 Nov 2026)