SBI Cashback Credit Card: Features & Review 2026

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Looking for the BOB Cashback Credit Card? This detailed BOB Cashback Credit Card Review 2026 explains its 5% online cashback, annual fees, eligibility criteria, rewards, charges, benefits, pros, cons, and application process. If you're searching for the best cashback credit card in India for online shopping, this card deserves your attention.

BOB Cashback Credit Card Review 2026

The Bank of Baroda Cashback Credit Card is designed for people who prefer cashback instead of reward points. Whether you shop on Amazon, Flipkart, Myntra, Ajio, or other online stores, this 5% cashback credit card helps you save on eligible online purchases.

Unlike many rewards cards, cashback is automatically credited to your statement, so there is no need to redeem points manually.

BOB Cashback Credit Card Key Features

• 5% cashback on eligible domestic online transactions (subject to monthly cap)
• Unlimited 1% cashback on other eligible purchases
• Automatic cashback credit every billing cycle
• Contactless payments
• Google Pay compatibility
• Easy EMI conversion on eligible purchases
• Secure online and international transactions

BOB Cashback Credit Card Cashback Benefits

• 5% Cashback
• Earn 5% cashback on eligible domestic online shopping, including major e-commerce websites and online merchants.
• Maximum Cashback: ₹1,500 per month.
• 1% Cashback
• Receive unlimited 1% cashback on eligible offline and other qualifying transactions.
• Cashback is credited automatically to your credit card statement every month.

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Also Read: SBI Cashback Credit Card Review

BOB Cashback Credit Card Fees & Charges

• Joining Fee: ₹499 per year or ₹49 per month (user can choose)
• Annual Fee: ₹499
• Finance charges and other fees are applicable as per BOBCARD's latest schedule.

BOB Cashback Credit Card Eligibility

Applicants generally should:

• Be an Indian resident
• Be between 25 and 55 years of age (subject to bank discretion)
• Meet the minimum income criteria specified by BOBCARD
• Have a good credit score (preferably 750+)

Pros

• Excellent cashback for online shoppers
• Automatic cashback redemption
• Simple reward structure
• Low annual fee
• UPI and contactless payment support

Cons

• Monthly cashback cap applies
• Several merchant categories are excluded from cashback
• Requires minimum eligible transactions for accelerated cashback benefits.

Also Like: IDFC FIRST Power Credit Card Review

Who Should Apply?

The BOB Cashback Credit Card is suitable for:

• Online shoppers
• Amazon, Flipkart, Myntra, and travel website users
• People looking for cashback instead of reward points
• Salaried professionals and self-employed individuals with regular online spending

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How to Apply

Visit the official BOBCARD application portal, complete the online application, upload KYC documents, e-sign, and finish Video KYC to receive approval.

Final Verdict

The BOB Cashback Credit Card is a strong option for users seeking straightforward cashback on online spending. Its simple cashback model, automatic statement credit, and reasonable annual fee make it attractive for everyday online purchases. If your spending is primarily online and within the eligible categories, this card can deliver excellent value.