Snapdeal BOBCARD Credit Card

₹249 plus GST, with no published spend-based waiver.

The strongest published rate is 5% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

No — airport lounge access is not offered on this card.

Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.

The reward programme does not apply on select merchant categories or on fuel, and UPI transactions earn core points only. The reward programme does not apply on select merchant categories or on fuel, and UPI transactions earn core points only. The reward programme does not apply on select merchant categories or on fuel, and UPI transactions earn core points only.

Redeemed through the issuer's rewards programme as published on the card's product page

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

5% on Snapdeal, with no cap. The card earns 20 Reward Points per Rs. 100 there and BOBCARD values a point at Rs. 0.25, so Rs. 100 of Snapdeal spending returns Rs. 5. Other online shopping and departmental stores earn 10 points per Rs. 100, which is 2.5%, and everything else earns 4 points, which is 1%.

Yes, on the middle tier. The 10-points-per-Rs.-100 rate on online shopping and departmental stores is capped at 2,000 Reward Points a statement, which is Rs. 500 of value — reached at Rs. 20,000 of such spending a month. The 5% Snapdeal rate itself is uncapped, and the 4-point base rate has no cap either.

Snapdeal vouchers worth up to Rs. 500 for using the card within the first 30 days of issue, and 500 bonus Reward Points — Rs. 125 — for spending Rs. 5,000 or more within 60 days. Against a Rs. 249 joining fee, the activation benefit alone more than covers the first year.

Indian residents aged 21 to 60 if salaried, and 24 to 65 if self-employed, as the primary cardholder. Add-on cards can be issued to family members above 18. Income proof for salaried applicants is a bank statement showing salary credits for the last two months.

They earn core Reward Points only — the 4-points-per-Rs.-100 base rate — not the accelerated Snapdeal or online shopping rates. On a RuPay card where UPI is the main way it gets used, that is worth knowing: UPI spending returns 1%, not 5%.

3.75% a month, which is 45% a year, on any balance carried past the due date. The card gives up to 50 days of interest-free credit from the date of purchase if the bill is paid in full, so the interest rate only matters if it is not.