BOBCARD Cashback is a simple, high-value cashback credit card that turns your everyday spends into direct savings, with automatic cashback credited to your statement every month. You earn 5% cashback on eligible online spends (capped monthly) and 1% cashback on all other spends, along with fuel surcharge waiver, Smart EMI, and free add-on cards. Cardholders can choose between a low monthly fee or an annual fee option, making it flexible for different spending profiles.

• cashback gets auto-credited to your card account statement every month, no reward redemption, no tracking points, no hassles. Just real money back.

• Google Pay Integration: Add your card to uPI Pay Apps for seamless contactless payments at merchants and billers. 

• QR Code Scanning: Earn cashback even on everyday QR payment spends.(add-on rupay card Variant)

• BOBCARD Cashback is very strong for simple, high, auto-credited cashback if your spends are mainly online and on everyday categories.​

• With around ₹2.4 lakh annual spends in the given mix, total value of about ₹35,000+ per year is achievable if you consistently hit the 5% online cap and use the fuel waiver.

• 5% online (capped, needs minimum 4 transactions/month), 1% on all other spends, 1% fuel surcharge waiver, and automatic monthly crediting make it frictionless for beginners and busy users.​

• Extra value from Smart EMI, up to 3 free add-on cards, Google Pay linking, and fully digital management via BOBCARD app makes it easy to use as a primary daily card.
  

Fees & Charges Summary:

• Automatic Statement Crediting:
• Cashback automatically credited to card statement monthly—no redemption portal, no point tracking, no hassles (Bank of Baroda Official)[BoB Official]. Direct rupee crediting against outstanding balance or available credit.

• Young professionals with ₹3L+ annual income.

• Online shoppers spending ₹20-30K monthly (before 5% cap).

• First-time credit card applicants seeking simplicity.

• Budget-conscious families valuing straightforward cashback.

• Those uncomfortable with complex reward point systems.

• Strengths:

  • 5% cashback on eligible domestic online spends; perfect for frequent e-commerce users.

  • 1% on all other spends with no excluded categories, keeping earnings simple and consistent.

  • Up to 3 lifetime free add-on cards let family members earn cashback independently.

  • Convert spends above ₹2,500 into EMIs from 6 to 48 months at competitive rates.

  • Zero liability covers fraudulent transactions once reported to the bank.

  • Minimum income of ₹3 lakh makes it accessible for young professionals.

  
  

• Limitations:

  • ₹1,500 monthly cap on 5% cashback limits returns for heavy online spenders beyond ₹30,000.

  • 1% flat cashback trails, competing cards offering 2–3% on general categories.

  • No premium features like airport lounges, concierge, or golf access.

  • ₹49 monthly totals ₹588 yearly, exceeding the ₹499 annual option.

  
  

Verdict:
Highly recommended for first-time credit card users, moderate online shoppers, budget-conscious families, and those prioritizing straightforward automatic cashback over point complexity—caveat: high online spenders (₹30K+ monthly) should compare to uncapped alternatives before applying.

• Assess monthly online spends honestly—if over ₹30K, you'll hit the ₹1,500 5% cap fast; compare uncapped alternatives.​

• Pick fee wisely: ₹49/month (₹588/year) only if spending ₹2,400+ monthly; else ₹499/year saves more.​

• Map 5% channels: Route e-commerce, food delivery, utilities here; others get just 1%.​​

Cashback cards can tempt overspending if you chase the 5% online cap—spending ₹30,000+ monthly chasing ₹1,500 cashback. If monthly balances climb despite cashback appeal: