BOBCARD Cashback Credit Card

Below are the key highlights of the BOBCARD Cashback credit card:

Cashback

• 5% cashback (up to Rs. 1,500/month) on all eligible domestic online spends.
• 1% cashback on all other spends.
• Cardholders will be eligible for the accelerated cashback benefit provided that they have done a minimum of 4 transactions in that statement cycle.
• Transactions below Rs. 100, transactions on select merchant category codes, fuel transactions, cash withdrawals at ATM, and quasi-cash transactions are not eligible for the cashback benefit.
• You can add your Mastercard BOBCARD Cashback credit card to Google Pay for hassle-free payment while earning cashback.

Fuel Surcharge Waiver

• Get 1% fuel surcharge waiver for transactions of Rs. 400 to Rs. 5,000 at all the petrol pumps in India.
• The maximum waiver available is Rs. 250 per statement cycle.
• Fuel transactions are not eligible for cashback.

Other Benefits

• With the Smart EMI option, convert your purchases above Rs. 2,500 into easy EMIs of 6 to 48 months.
• Get up to 3 free add-on cards for your family members (spouse/ parents/siblings/ kids) aged above 18 years.
• Report the loss of your credit card and get lost card liability protection for fraudulent transactions.

The BOBCARD Cashback credit card charges are mentioned in the table below:

To be eligible for a BOBCARD Cashback Credit Card, you will have to meet the following eligibility criteria.

• The applicant should be an Indian resident, salaried/ self-employed individual.
• Salaried applicants must be 21 to 60 years old
• Self-employed applicants must be 24 to 65 years old.
• The minimum net annual income requirement for self-employed applicants is Rs. 3.6 Lakhs and above. 
• The minimum net annual income requirement for salaried applicants is Rs. 3 Lakhs and above.

If you want to avail of a BOBCARD Cashback credit card, you will have to submit the following list of documents:

• Proof of identity: PAN Card (mandatory) and a recent passport-size photograph.
• Proof of address: Voter ID Card issued by the Election Commission of India/ Passport/ Aadhar Card (both sides)/ Driving Licence/ Job Card issued by NREGA, duly signed by an officer of the State Government/ Letter issued by the National Population Register (NPR) containing details of the name & address.
• Proof of address if the present address is different from permanent address: Recent Property or Municipal Tax Receipt/ Utility Bill (Electricity/ Telephone/ Postpaid Mobile/ Piped Gas/ Water Bill) not older than 2 months/ Rent Agreement (if the utility bill is in the name of landlord)/ Pension or Family Pension Payment Orders for retired employees of government department or PSUs (if they have address)/ Letter of Allotment of Accommodation issued by Central or State Government Departments, PSUs, Statutory or Regulatory Bodies, Scheduled Commercial Banks, Financial Institutions and listed Companies/ Leave & Licence Agreements.
• Income proof for salaried: Bank Statement displaying salary credit for the last 2 months or Salary Slips along with a bank statement.
• Income proof for self-employed: Bank Statement for the last 3 months displaying business transactions.

Through the Bank's Website

• Log in to the official BOBCARD website and select BOBCARD Cashback credit card under the ‘View Cards’ section.
• Fill out an online application form by mentioning the required details, including your name, address, mobile number, etc.
• e-Sign with your Aadhaar.
• Verify your identity via video-KYC.

Through MyMoneyMantra

• Visit our portal and then under the ‘Credit Cards’ tab choose the‘BOBCARD’ option. 
• Select the preferred credit card.
• Enter and submit all the required details.
• You will be assisted by one of our credit card representatives through the entire application process.
• Once your request is approved, the card will be dispatched to your address. 
• The credit card and the PIN will be dispatched separately.

Alternatively, you can apply for the BOBCARD Cashback credit card offline by visiting the nearest Bank of Baroda branch along with the required documents.