Snapdeal BOBCARD
Rs 249Annual fee
0Domestic lounge
3.5%Forex markup
Best for
snapdeal, online, grocery, departmental stores, cashback
Top rewards
Snapdeal platform spends: 20 reward points per Rs 100 (5% cashback); Online shopping, grocery, and departmental store spends: 10 reward points per Rs 100 (2.5% cashback); All other eligible spends (including UPI): 4 reward points per Rs 100 (1% cashback)
IRCTC BOBCARD
Rs 350Annual fee
0Domestic lounge
Domestic lounge conditions
- 4 complimentary partner railway lounge visits per year, limited to 1 per quarter
- The lounge benefit is for partner railway lounges only, not airport lounges, so loungeDomestic remains 0 to avoid mislabeling in airport-lounge UI.
3.5%Forex markup
Best for
irctc, railway lounge, grocery, departmental stores, travel
Top rewards
IRCTC train ticket bookings (via IRCTC website/app): Up to 40 reward points per Rs 100; Grocery and departmental store spends: 4 reward points per Rs 100; Other eligible spends: 2 reward points per Rs 100
| Feature | Snapdeal BOBCARD | IRCTC BOBCARD |
|---|---|---|
| Issuer | Bank of Baroda | Bank of Baroda |
| Network | RuPay | RuPay |
| Joining fee | Rs 249 | Rs 500 |
| Annual fee | Rs 249 | Rs 350 |
| Reward type | cashback | reward points |
| Best for | snapdeal, online, grocery, departmental stores, cashback | irctc, railway lounge, grocery, departmental stores, travel |
| Top reward categories | Snapdeal platform spends: 20 reward points per Rs 100 (5% cashback); Online shopping, grocery, and departmental store spends: 10 reward points per Rs 100 (2.5% cashback); All other eligible spends (including UPI): 4 reward points per Rs 100 (1% cashback) | IRCTC train ticket bookings (via IRCTC website/app): Up to 40 reward points per Rs 100; Grocery and departmental store spends: 4 reward points per Rs 100; Other eligible spends: 2 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 500 bonus reward points on spending Rs 5,000 or more within first 60 days of card issuance, Snapdeal vouchers worth up to Rs 500 on performing a transaction within first 30 days of issuance | 1,000 bonus reward points on a single transaction of Rs 1,000 or more within 45 days of card issuance |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, Cash advance / cash withdrawal transactions, EMI transactions, Fees and charges (joining fee, annual fee, finance charges, and other levied charges) | fuel spends eligible for surcharge waiver do not earn reward points, IRCTC rewards require linking the card loyalty number with IRCTC login ID, taxes and charges excluded as per BOBCARD terms |