BOB Snapdeal Credit Card: An Essential Guide

The BOB Snapdeal Credit Card is for shoppers who want extra value on everyday purchases. Cardholders can receive Snapdeal vouchers worth up to ₹500 after using the card within the first 30 days from issuance, applicable when the joining fee is paid.

The card adds value to regular spending through reward points plus shopping benefits. It comes with a low ₹249 joining fee and annual fee, which makes it suitable for frequent online shoppers.

What are the BOB Snapdeal Credit Card Benefits?

The BOB Snapdeal credit card offers shopping rewards and useful savings that improve everyday purchases, along with the following benefits:

1. Shopping Rewards

Cardholders earn 5% cashback in reward points equal to 20 reward points per ₹100 on Snapdeal purchases. Users also earn 10 reward points per ₹100 on online shopping or departmental stores. Other eligible purchases earn 4 reward points per ₹100 spent.

2. Additional Privileges

Cardholders receive a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000. The maximum waiver stays at ₹250 per month.

3. Bonus Rewards

Cardholders receive 500 bonus reward points after spending ₹5,000 within 60 days from card issuance. This activation benefit gives users an early start on reward earnings.

Additional Features of Snapdeal BOBCARD

Cardholders can get up to 3 lifetime free add-on cards for spouse, parents, siblings, or children above 18 years of age. This feature helps families share card benefits with ease. 

Here are the other features of this credit card: 

1. BOB Snapdeal Credit Card also provides flexible payment options that support everyday spending needs.
2. Get up to 50 days of interest-free credit from the purchase date and manage short-term expenses without extra cost.
3. Use the revolving credit facility by paying the minimum amount due, allowing flexible repayment.
4. Convert purchases above ₹2,500 into Smart EMI plans with repayment periods between 6 and 48 months.

💡Install the Pice app to get an extra perk! Pay credit card bills quickly with this app and enjoy a simple and secure payment experience.

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BOBCARD Smart EMI Options

BOBCARD provides flexible EMI options for different spending needs. Cardholders can convert purchases into easy instalments. There are 3 options available, which are: 

1. Post Purchase EMI

Transactions above ₹2,500 can be converted into EMIs using the BOBCARD portal or the mobile app. No transactions are eligible for conversion except specific transactions, e.g. fuel or cash.

2. Instant EMI or Pre-Purchase EMI

Instant EMI allows cardholders to choose EMI plans directly at partner merchant outlets. Users can select repayment periods between 2 and 36 months at participating stores. The interest rate remains 16% flat, while processing fees range between ₹99 - ₹999 + taxes.

3. No Extra Cost EMI

No additional cost EMI gives cardholders an opportunity to pay using EMI schemes with a low or zero effective interest charge. Merchants will offer initial discounts or cashback to modify the interest rate. Discounts rely on the timelines of promotion in involved stores.

Bank of Baroda Snapdeal Credit Card Charges

The BOB Snapdeal Credit Card charges include a finance charge of 3.75% per month or 45% per year, along with other applicable fees.

A few key charges are outlined in the table below:

BOB Snapdeal Credit Card Eligibility

Applicants must be Indian residents to qualify for this card. Salaried individuals must fall within 21 to 60 years, while self-employed applicants must fall within 24 to 65 years.

• Income Criteria

💡Whatever your income is, do not let late payment charges mess with your monthly budget. Manage credit card bills easily with the Pice app. Get automatic reminders, track payment status, and pay through the secure and compliant Pice app.

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