{"id":85607,"date":"2026-03-11T16:41:52","date_gmt":"2026-03-11T11:11:52","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85607"},"modified":"2026-03-11T16:41:56","modified_gmt":"2026-03-11T11:11:56","slug":"bob-snapdeal-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bob-snapdeal-credit-card\/","title":{"rendered":"BOB Snapdeal Credit Card: An Essential Guide"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 20 reward points per \u20b9100 on Snapdeal purchases.<\/li>\n\n\n\n<li>Earn 10 reward points per \u20b9100 spent on other online shopping.<\/li>\n\n\n\n<li>Receive 500 bonus reward points after spending \u20b95,000.<\/li>\n\n\n\n<li>Get Snapdeal vouchers worth \u20b9500 within 30 days.<\/li>\n\n\n\n<li>Enjoy a low joining and annual fee of \u20b9249.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The BOB Snapdeal Credit Card is for shoppers who want extra value on everyday purchases. Cardholders can receive Snapdeal vouchers worth up to \u20b9500 after using the card within the first 30 days from issuance, applicable when the joining fee is paid.<\/p>\n\n\n\n<p>The card adds value to regular spending through reward points plus shopping benefits. It comes with a low \u20b9249 joining fee and annual fee, which makes it suitable for frequent online shoppers.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-are-the-bob-snapdeal-credit-card-benefits\">What are the BOB Snapdeal Credit Card Benefits?<\/a><\/li><li><a href=\"#additional-features-of-snapdeal-bobcard\">Additional Features of Snapdeal BOBCARD<\/a><\/li><li><a href=\"#bobcard-smart-emi-options\">BOBCARD Smart EMI Options<\/a><\/li><li><a href=\"#bank-of-baroda-snapdeal-credit-card-charges\">Bank of Baroda Snapdeal Credit Card Charges<\/a><\/li><li><a href=\"#bob-snapdeal-credit-card-eligibility\">BOB Snapdeal Credit Card Eligibility<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-bob-snapdeal-credit-card-benefits\"><strong>What are the BOB Snapdeal Credit Card Benefits?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Snapdeal-Benefits-1024x683.png\" alt=\"BOB Snapdeal Credit Card Benefits\" class=\"wp-image-85609\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Snapdeal-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Snapdeal-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Snapdeal-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Snapdeal-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-Snapdeal-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The BOB Snapdeal credit card offers shopping rewards and useful savings that improve everyday purchases, along with the following benefits:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Shopping Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders earn 5% cashback in reward points equal to 20 reward points per \u20b9100 on Snapdeal purchases. Users also earn 10 reward points per \u20b9100 on online shopping or departmental stores. Other eligible purchases earn 4 reward points per \u20b9100 spent.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Additional Privileges<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders receive a 1% fuel surcharge waiver on fuel transactions between \u20b9400 and \u20b95,000. The maximum waiver stays at \u20b9250 per month.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Bonus Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders receive 500 bonus reward points after spending \u20b95,000 within 60 days from card issuance. This activation benefit gives users an early start on reward earnings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"additional-features-of-snapdeal-bobcard\"><strong>Additional Features of Snapdeal BOBCARD<\/strong><\/h2>\n\n\n\n<p>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.&nbsp;<\/p>\n\n\n\n<p>Here are the other features of this credit card:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>BOB Snapdeal Credit Card also provides flexible payment options that support everyday spending needs.<\/li>\n\n\n\n<li>Get up to 50 days of interest-free credit from the purchase date and manage short-term expenses without extra cost.<\/li>\n\n\n\n<li>Use the revolving credit facility by paying the minimum amount due, allowing flexible repayment.<\/li>\n\n\n\n<li>Convert purchases above \u20b92,500 into Smart EMI plans with repayment periods between 6 and 48 months.<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1Install <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a> to get an extra perk! Pay credit card bills quickly with this app and enjoy a simple and secure payment experience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bobcard-smart-emi-options\"><strong>BOBCARD Smart EMI Options<\/strong><\/h2>\n\n\n\n<p>BOBCARD provides flexible EMI options for different spending needs. Cardholders can convert purchases into easy instalments. There are 3 options available, which are:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Post Purchase EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Transactions above \u20b92,500 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.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Instant EMI or Pre-Purchase EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Instant EMI allows cardholders to <a href=\"https:\/\/www.bobcard.co.in\/credit-card-easy-emi-payment-options\" target=\"_blank\" rel=\"noopener\">choose EMI plans<\/a> 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 \u20b999 &#8211; \u20b9999 + taxes.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>No Extra Cost EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bank-of-baroda-snapdeal-credit-card-charges\"><strong>Bank of Baroda Snapdeal Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The BOB Snapdeal Credit Card charges include a finance charge of 3.75% per month or 45% per year, along with other applicable fees.<\/p>\n\n\n\n<p>A few <a href=\"https:\/\/online.bobcard.co.in\/assets\/BOBCARD_MITS.pdf\" target=\"_blank\" rel=\"noopener\">key charges<\/a> are outlined in the table below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or min. \u20b9600<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than \u20b9100: NIL\u20b9100 &#8211; \u20b9500: \u20b9100\u20b9501 &#8211; \u20b91000: \u20b9400\u20b91001- \u20b910,000: \u20b9750\u20b910,001 &#8211; \u20b925,000: \u20b9950\u20b925,001 &#8211; \u20b950,000: \u20b91100More than \u20b950,000: \u20b91300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-snapdeal-credit-card-eligibility\"><strong>BOB Snapdeal Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income Criteria<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Applicant Type<\/strong><\/td><td><strong>Customer Type<\/strong><\/td><td><strong>Minimum Annual Income<\/strong><\/td><\/tr><tr><td>Self-Employed<\/td><td>BOB Customer<\/td><td>\u20b93.6 Lakhs<\/td><\/tr><tr><td>Self-Employed<\/td><td>Non-BOB Customer<\/td><td>\u20b94.8 Lakhs<\/td><\/tr><tr><td>Salaried<\/td><td>BOB Customer<\/td><td>\u20b93 Lakhs<\/td><\/tr><tr><td>Salaried<\/td><td>Non-BOB Customer<\/td><td>\u20b93.6 Lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Whatever your income is, do not let late payment charges mess with your monthly budget. Manage credit card bills easily with the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a>. Get automatic reminders, track payment status, and pay through the secure and compliant Pice app.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Reward earnings of 10 points per \u20b9100 are limited to 2,000 reward points per statement cycle.<\/li>\n\n\n\n<li>Each 1 reward point equals \u20b90.25, which can be redeemed against eligible card transactions.<\/li>\n\n\n\n<li>A processing fee of 2% of the transaction amount applies to post-purchase EMI, with a minimum charge of \u20b9100.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1773227087258\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the BOB Snapdeal Credit Card application process?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can apply online by selecting the card option and submitting the required details with documents. You may also apply through customer support or visit a Bank of Baroda branch.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773227104954\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What credit limit will Snapdeal BOBCARD provide?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The credit limit depends on individual eligibility factors and is shared after card issuance. Add-on cards do not receive a separate limit since they share the primary cardholder&#8217;s limit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773227135041\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I register the Bank of Baroda Snapdeal Card on the mobile app?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can register for this card by downloading the BOBCARD mobile app and registering using your mobile number. Enter the last four card digits plus date of birth, then set an M-PIN for login access.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773227156142\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>When does Snapdeal BOBCARD renew automatically?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The card renews automatically on expiry unless account activity or credit history does not meet requirements. Renewal may stop if dues remain high or account details remain incomplete.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773227174951\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can I change my BOBCARD billing cycle date?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Billing cycles may fall on the 1st, 7th, 13th, 16th, 18th, or 25th each month. Cardholders get a one-time option to request a billing cycle change through customer support.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The BOB Snapdeal Credit Card is for shoppers who want extra value on everyday purchases. Cardholders can receive Snapdeal vouchers worth up to \u20b9500 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 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85610,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85607","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85607"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85607\/revisions"}],"predecessor-version":[{"id":85611,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85607\/revisions\/85611"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85610"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}