BOBCARD (Bank of Baroda) · Entry
Cashback
Where it ranks across all 187 cards
#12 Online shopping
5.0%
direct
#21 EMI
1.0%
direct
#38 Utility bills
1.0%
direct
#52 Jewellery & watches
1.0%
direct
#59 Gaming
1.0%
direct
#64 Mobile / broadband
1.0%
direct
#71 Train tickets
1.0%
direct
#75 Cabs & transit
1.0%
direct
#78 Other
1.0%
direct
#80 Health & pharmacy
1.0%
direct
#83 Electronics
1.0%
direct
#91 Hotels
1.0%
direct
#92 Flights
1.0%
direct
#93 Food delivery
1.0%
direct
#93 Fashion
1.0%
direct
#94 Movies & events
1.0%
direct
#102 Dining out
1.0%
direct
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Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
1% cashback
source
Source: BOBCARD Cashback - bobcard.co.in - read 30 Sep 2026
5% cashback on domestic online spends (min. 4 transactions/cycle)
5.00%this rule
5% cashback
how it works & source
Cardholder will be eligible for accelerated cashback benefit provided that cardholder has done Minimum 4 transactions in that statement cycle.
Source: BOBCARD Cashback - bobcard.co.in - read 30 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on2 exclusions
Fuel
earns nothing
Cashback is not applicable on fuel transactions.
→ use IndianOil RBL XTra here (7.5%)
Groceries, Government / tax, Education, Rent, Wallet load, Insurance · FASTag recharge, IRCTC (train tickets)
earns nothing
Spends on select MCCs (agriculture, contractors, passenger transport/toll/rail, rent, cleaning/personal-care services, government, education, hospitals, wallets, supermarkets/retail stores, insurance, charity, fast food) do not earn reward points, per BOBCARD's Annexure 1 MCC list.
→ use FIRST Private here (6.6%)
detail & source
categories: Groceries, Government / tax, Education, Rent, Wallet load, Insurance · merchants: FASTag recharge, IRCTC (train tickets) · MCCs: 0763, 0780, 0820, 0821, 0822, 0823, 0824, 0825, 1520, 1711, 1731, 1740, 1750, 1761, 1771, 1799, 4111, 4112, 4131, 4784, 4789, 6513, 7349, 7211, 7230, 7276, 8111, 8641, 9211, 9222, 9311, 9399, 9402, 9405, 8211, 8220, 8241, 8244, 8249, 8299, 8011, 8062, 6539, 6540, 6541, 6542, 6543, 5261, 5331, 5411, 5499, 5960, 6300, 8398, 8661, 5814
Source: BOBCARD Product Features - Important Terms & Conditions - media.bobcard.co.in - read 30 Sep 2026