SBI Cashback Credit Card
SBI Card
The ultimate zero-hassle online shopping card in India.
95/100✓ MITC verified
Annual Fee₹999 + GST
Reward5% Flat Cashback on online merchant spends
LoungeNo complimentary lounge access
Apply Now →BOB Snapdeal Credit Card
Bank of Baroda (BOB Financial)
5% back on every Snapdeal order, credited straight to your statement
66/100✓ MITC verified
Credwiser Score 66/100
BOB Snapdeal Credit Card
Bank of Baroda (BOB Financial) • 5% back on every Snapdeal order, credited straight to your statement
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
Some apply links are referral links. They never change our scores or rankings. Read our editorial independence promise.
This RuPay co-branded card is built for one job: making Snapdeal purchases cheaper. Spends on the Snapdeal app and website earn 20 points per Rs 100, worth exactly 5% because every point is auto credited as statement cashback at Rs 0.25. Other online and departmental store spends earn 2.5%, and everything else earns 1%. Outside Snapdeal the card is ordinary, and the Rs 249 fee has no spend based waiver at all, which the BOBCARD MITC states clearly. If you genuinely shop on Snapdeal every month, the 5% rate and the Rs 500 activation voucher cover the fee many times over. If you do not, a general cashback card will serve you better.
Annual Fee (+ 18% GST)₹249 (₹294 incl. GST)
Fee WaiverNo spend based waiver for the joining or annual fee, as per the BOBCARD MITC
Joining PerkRs 500 Snapdeal voucher plus 500 bonus reward points as activation benefits within 30 days of card issuance
Primary Reward20 reward points per Rs 100 on Snapdeal spends (worth 5%), 10 points per Rs 100 on online, grocery and departmental store spends and 4 points per Rs 100 on other categories. Points auto credit as statement cashback at Rs 0.25 per point
Airport Lounge AccessNo complimentary lounge access
Forex Markup3.5% plus GST
RuPay UPIYes — RuPay UPI enabled
Best ForRegular Snapdeal shoppers who want automatic statement cashback without redemption steps
What We Like
- Flat 5% value on all Snapdeal spends, no cap games on that rate
- Points convert to statement cashback automatically at Rs 0.25 each
- Very low Rs 249 fee with a Rs 500 activation voucher
- RuPay card, works on UPI for core points
Watch Out
- The 5% rate only works on Snapdeal; regular online spends earn 2.5%
- No fee waiver and no lounge access
- Accelerated points are capped at 2,000 per statement
MITC & Hidden Charges
Joining and annual fee Rs 249 plus GST each, with waiver criteria listed as NIL in the BOBCARD MITC and Key Fact Statement dated 17 July 2026. Finance charges are 3.75% per month and the foreign currency transaction fee is 3.5%. Points are auto credited as cashback to the monthly statement. Accelerated points are capped at 2,000 points per statement, and the reward programme does not apply on fuel spends.
Last verified against MITC: 21 October 2026 • View official MITC →
BOB Snapdeal Credit Card FAQs
How much cashback do I get on Snapdeal purchases?
You earn 20 reward points per Rs 100 on Snapdeal, and since points are auto credited as statement cashback at Rs 0.25 per point, that works out to 5%.
Is there a fee waiver on the Snapdeal BOBCARD?
No. The BOBCARD MITC lists the waiver criteria for this card as NIL for both the joining fee and the annual fee of Rs 249.
Can I link the Snapdeal card to UPI?
Yes, it is a RuPay card and can be linked to UPI apps. Note that UPI transactions earn only the core reward points and do not count for activation or bonus benefits.
Alternatives to Consider
Tata Neu Infinity HDFC RuPay
HDFC Bank
The gold standard for RuPay UPI QR payments.
89/100✓ MITC verified
Annual Fee₹1,499 + GST
RewardUp to 10% NeuCoins on Tata Neu App spends (5% base + 5% NeuPass on select categories) + UPI earns 0.5% via any UPI ID and 1.5% via a Tata Neu UPI ID (capped at 500 NeuCoins per month)
Lounge8 domestic + 4 international lounge visits per year; domestic access is milestone-voucher based from 10 Jun 2025 (2 vouchers per quarter, only on ₹50,000 spends in that quarter)
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