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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 11/16 categories
Bank of Baroda

BOBCARD Cashback

Best forGroceries & Dining
Earns1% cashback on groceries
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
₹499 + taxes
per year (or ₹49 monthly plan)
Fee waiver
Not recorded
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on groceries and dining, where it earns 1% cashback

How you earn

Reward rates at a glance — exactly as recorded for this card.

Groceries1% cashback
Dining1% cashback
Food Delivery1% cashback
Shopping1% cashback
Travel1% cashback
All 16 reward categories · 11 of 16 categories verified
CategoryRateCapCondition
RentNot a good fit—Rent payments (MCC 6513) strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2
Details
Status
Verified — not a good fit for this category
Issuer note
Rent payments (MCC 6513) strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2.
EducationNot a good fit—Education fees paid via third-party aggregators strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2
Details
Status
Verified — not a good fit for this category
Issuer note
Education fees paid via third-party aggregators strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2.
Insurance——Research pending
Details
Status
Research pending
Issuer note
TRANSACTION_COUNT_GATED_ACCELERATOR: 5% domestic online cashback requires min 4 txns/cycle (BOB-SRC-010). Unmodeled by V8 aggregate engine; safely preserved as PENDING at ₹0 contribution.
Utilities——Research pending
Details
Status
Research pending
Issuer note
TRANSACTION_COUNT_GATED_ACCELERATOR: 5% domestic online cashback requires min 4 txns/cycle (BOB-SRC-010). Unmodeled by V8 aggregate engine; safely preserved as PENDING at ₹0 contribution.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel transactions do not accrue rewards (BOB-COM-03).
Groceries1% cashback—Base 1% retail cashback
Details
Status
Verified
Source
BOB-SRC-010
Issuer note
Base 1% retail cashback; domestic online orders unlock conditional 5% cashback via COND-BOB-CB-DOM-ONLINE.
Dining1% cashback—Base 1% retail cashback
Details
Status
Verified
Source
BOB-SRC-010
Issuer note
Base 1% retail cashback; domestic online transactions unlock conditional 5% cashback via COND-BOB-CB-DOM-ONLINE.
Food Delivery1% cashback—Base 1% cashback on online food delivery
Details
Status
Verified
Source
BOB-SRC-010
Issuer note
Base 1% cashback on online food delivery; unlocks conditional 5% cashback via COND-BOB-CB-DOM-ONLINE.
Shopping1% cashback—Base 1% retail cashback
Details
Status
Verified
Source
BOB-SRC-010
Issuer note
Base 1% retail cashback; domestic online transactions unlock conditional 5% cashback via COND-BOB-CB-DOM-ONLINE.
Travel1% cashback—Base 1% retail cashback
Details
Status
Verified
Source
BOB-SRC-010
Issuer note
Base 1% retail cashback; domestic online bookings unlock conditional 5% cashback via COND-BOB-CB-DOM-ONLINE.
GovernmentNot a good fit—Government and tax payments (MCC 9311, 9399) strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2
Details
Status
Verified — not a good fit for this category
Issuer note
Government and tax payments (MCC 9311, 9399) strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2.
WalletNot a good fit—Wallet loading transactions (MCC 6540) strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2
Details
Status
Verified — not a good fit for this category
Issuer note
Wallet loading transactions (MCC 6540) strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2.
Railways——Research pending
Details
Status
Research pending
Issuer note
TRANSACTION_COUNT_GATED_ACCELERATOR: 5% domestic online cashback requires min 4 txns/cycle (BOB-SRC-010). Unmodeled by V8 aggregate engine; safely preserved as PENDING at ₹0 contribution.
FASTag——Research pending
Details
Status
Research pending
Issuer note
TRANSACTION_COUNT_GATED_ACCELERATOR: 5% domestic online cashback requires min 4 txns/cycle (BOB-SRC-010). Unmodeled by V8 aggregate engine; safely preserved as PENDING at ₹0 contribution.
Jewellery1% cashback—Base 1% retail cashback on retail jewellery spends per BOB-SRC-010
Details
Status
Verified
Source
BOB-SRC-010
Issuer note
Base 1% retail cashback on retail jewellery spends per BOB-SRC-010.
Telecom——Research pending
Details
Status
Research pending
Issuer note
TRANSACTION_COUNT_GATED_ACCELERATOR: 5% domestic online cashback requires min 4 txns/cycle (BOB-SRC-010). Unmodeled by V8 aggregate engine; safely preserved as PENDING at ₹0 contribution.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹499 + taxes
Renewal Fee
₹499 + taxes
per year (or ₹49 monthly plan)
Fee waiver
Not recorded
Reward caps
  • Shopping — ₹1,500 / month (per category — Shopping)

Key benefits

Rewards
1% cashback on groceries

Important to know

Limits and exclusions that change what you earn.

  • Shopping rewards are capped at ₹1,500 / month (per category — Shopping)
  • No reward on: Fuel
  • Not recommended for: Rent, Education, Government, Wallet
  • Research pending: Insurance, Utilities, Railways, FASTag +1 more — not counted

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in groceries, dining, food delivery
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
  • You do not want to pay an annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 5 no-reward categories
Caps
  • Shopping — ₹1,500 / month (per category — Shopping)
Categories with no reward or not eligible
  • Rent — Not a good fit. Rent payments (MCC 6513) strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2.
  • Education — Not a good fit. Education fees paid via third-party aggregators strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2.
  • Fuel — No reward.
  • Government — Not a good fit. Government and tax payments (MCC 9311, 9399) strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2.
  • Wallet — Not a good fit. Wallet loading transactions (MCC 6540) strictly excluded from cashback accrual per BOBCARD Features & Rewards Terms Section 3.2.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to Bank of Baroda's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 9 areas

9 areas need further verification. None of these are counted as zero.

  • • Insurance — research pending
  • • Utilities — research pending
  • • Railways — research pending
  • • FASTag — research pending
  • • Telecom — research pending
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-26

Verification coverage: 11 of 16 categories verified · 5 still being verified

Card record last checked: 2026-09-26

Documents used
BOBCARD Cashback Credit Card Product Terms · BOB-SRC-010 · 2026-09-26
BOBCARD Cashback₹499 1st year