SNAPDEAL Bank of Baroda Credit Card

Snapdeal Bank of Baroda BoB Credit Card Review


Joining Fee: Rs 249+GST
Annual Fee: Rs 249+GST




1% to 5%



Payment Network



Fuel Surcharge Waiver

Today Amazon and Flipkart are the twin icons of e-commerce. But, not so long back we had many more online portals to shop from. One of them was Snapdeal which is still operational but is not the preferred choice for many. This is why it was surprising to see the Bank of Baroda launch a co-branded card with Snapdeal in 2022! But, leaving aside the Snapdeal name the card is a pretty decent entry-level card. Here is a review of the Snapdeal Bank of Baroda credit card.

Fees and Charges

Joining and Annual FeeRs 249+GST
Welcome BenefitRs 500 Snapdeal GV
Annual Fee WaiverNone
Snapdeal Bank of Baroda Credit Card Review: Fees and Charges

There should have been some criteria to waive the annual fee. Entry-level cards should be LTF or have some spending target to get the annual fee waived.

LTF IndusInd Bank Credit Cards


  • Snapdeal spends: 20 RP/Rs 100 ~5% Return
  • Online Shopping, Groceries, and Departmental Stores: 10 RP/Rs 100 ~2.5% Return
  • All Other Spends: 4 RP/Rs 100 ~1% Return
  • UPI Spends: 4 RP/Rs 100 ~1% Return up to Rs 125 per statement cycle

The accelerated 10 RP in the second category above is capped at 2000 RP per statement. This means we can spend up to Rs 20,000 on utilities, groceries, and dept. stores per month to hit these caps.

Rewards Redemption

Each reward point is equal to 25 paise and is auto-credited as cashback to the statement. This is one of the best benefits of this card. There is no restriction that we need to redeem the rewards for vouchers. Statement credit is always better and makes more sense than those options for entry-level cards.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver up to Rs 250 per month for transactions between Rs 400 to Rs 5000

Final Thoughts

Leaving the Snapdeal rewards, this is a decent entry-level card with a 1% to 2.5% return on spending. This is also a good fit for a Rupay credit card that you can also use for UPI transactions in the future. The one downside is you need to pay the fee of Rs 249 plus taxes every year for this card. This impacts the total return on the card.

LTF IDFC First Bank Credit Cards

Another drawback of this card is BoB customer support. It is non-existent when we will need it the most.

SNAPDEAL Bank of Baroda Credit Card


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12 thoughts on “SNAPDEAL Bank of Baroda Credit Card”

  1. Hi,

    Paid this BoB CC bill via HDFC Debit card (visa plat) via Mobikwik recently.
    (as BoB not there on Bill-Pay portal)

    Didn’t get CB this month.!
    which every time is received.

    Asked CC team. Said mcc has been changed.

    Have you faced such an issue on Mobikwik ?
    Or If you can suggest an alternative

    1. Card Maven

      Yes, if your rent service supports UPI payments. You should also earn rewards as Snapdeal BoB has no exclusion for rent payments. But, you do get charged 1%+GST too. So, net benefit would be negative.

  2. In the 2nd category; I guess we cannot spend up to Rs 33,333 (on utilities, groceries, and dept. stores per month to hit these caps) but Rs 20,000/-

    You might have calculated according to 1.5% cb for Rs 33,333/-
    Though it is 2.5% cb. So 20k would be the max limit.

    Plz suggest.

  3. For the UPI spends; has it to be a Min ₹100 txn to be eligible for the 1% cashback or less than ₹100 spends are also applicable ?

  4. For the Groceries & Departmental stores (2.5% Cashback category);

    1. Does it consider UPI payment transactions (via this CC) at Departmental stores for 2.5% cb ?

    2. Any local Departmental store transactions are considered or only branded ones ?

    Plz guide.

    1. Card Maven

      Yes, it is capped at 500 RP per statement cycle. It is now updated in the review.

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