Key Insights

Earn cashback on Snapdeal, fuel, and groceries, and shift your regular spending into a smart savings strategy.

Enjoy interest-free credit and easy EMI options to save your budget, stay relaxed, and reduce stress.

This card reaches almost everyone because it has low fees, clear eligibility and easy documentation.

The BOB Snapdeal Credit Card is a co-branded card that offers significant rewards to online shoppers on Snapdeal purchases and everyday spending.

Let's talk about Ramesh, who always uses the BOB Snapdeal Credit Card:

Ramesh, a 29-year-old government employee, uses a Snapdeal credit card for his personal use.

(Ramesh enjoys exciting cashback and discounts, which reduces his stress while spending.)

The table below shows how Ramesh benefits from his spending habits:

Spending Category	Monthly Expenditure (₹)	Benefit Received
Snapdeal Shopping	5,000	10% Cashback (₹ 500)
Fuel & Groceries	7,000	1% Cashback (₹ 70)
Other Expenses	8,000	0.75% cashback (₹ 60)
Total Monthly Savings		₹ 630

Ramesh saves a decent amount by spending in different places, making the card a powerful financial tool for his lifestyle.

This blog helps you understand the BOB Snapdeal Credit Card, and now we will talk about its exciting features.

Features and Benefits of BOB Snapdeal Credit Card

The Features and Benefits of the BOB Snapdeal Credit Card allow you to save maximum savings while spending and offer exceptional flexibility for everyday expenses.

How Dev's use fantastic features of BOB Snapdeal Credit Card:

Dev is a restaurant owner who uses his Snapdeal Credit Card, which provides valuable benefits and reward points on his expenditures.

The table below outlines how Dev uses his card's key features to his benefit:

Feature/Benefit	How Dev Benefits
Interest-Free Credit	Gets up to 50 days of interest-free credit on purchases, helping him manage his restaurant's cash flow efficiently.
Flexible Repayment	Pays the Minimum Amount Due during closed business months, financing his spending as per his convenience.
Smart EMIs	Converts large equipment purchases (above ₹2,500) into manageable EMIs of 6 to 48 months, reducing upfront costs.
Add-On Cards	Gets 3 lifetime free add-on cards for his wife and parents, reducing family expenses and rewards on one statement.
Welcome Benefit	Receives Snapdeal vouchers worth ₹500 on initial usage, which he uses to buy kitchen accessories for his restaurant.
Rewards & Cashback	Earns 5% unlimited cashback on Snapdeal (for supplies), 10 points/₹100 on online/department stores, and 4 points/₹100 on all other spends like fuel.
Fuel Surcharge Waiver	Gets a 1% surcharge waiver on fuel transactions (₹400-₹5,000), saving money on all his delivery bike refuels.

As shown, the card's layout allows Dev with significant financial flexibility and tangible savings across all his spending categories.

You are aware of the features of the BOB Snapdeal Credit Card. Next, we will discuss the fees and charges for this card.

Bonus Tip: The bank determines your credit limit based on your income and credit history. You can request a limit increase after six months of consistent usage and on-time payments by reaching out to customer care or via the Bob World app.

Fees and Charges of the BOB Snapdeal Credit Card

Fees and charges are essential for any credit card user. The BOB Snapdeal Credit Card is designed to be incredibly cost-effective, which makes your shopping more enjoyable.

Let's see how the BOB Snapdeal Credit Card Fees and Charges affect Devam:

Devam, a shopping lover, uses his card for all his purchases. He enjoys rewards and, in return, pays minimal fees, which maximises his overall savings.

The table below breaks down the key fees Devam experiences, showing the card's affordability:

Fee Type	Charge	Impact on Devam
Joining Fee	₹ 250	A small one-time cost that is quickly offset by the welcome bonus and his regular cashback.
Annual Fee	₹ 250	This minimal yearly charge is easily waived by meeting simple spending criteria (like ₹25,000), which Devam does effortlessly.
Add-on Card Fee	Nil	Devam received add-on cards for his family at no extra cost, allowing them to pool their spending and earn rewards faster.

As the table clearly shows, the fee structure is transparent and minimal for a user like Devam, allowing for joyful shopping with no stress.

These minimal fees make the BOB Snapdeal Credit Card even more special. Now, we will discuss the eligibility criteria for this credit card.

Bonus Tip: Easily check your reward points balance by logging into your Bank of Baroda Net Banking or Bob World mobile app. Your points are also shown on your monthly credit card statement.

Eligibility Criteria of BOB Snapdeal Credit Card

The eligibility criteria for the BOB Snapdeal Credit Card are planned to be inclusive and detailed, making it available to a wide range of salaried and self-employed individuals.

Let's see what fashion influencers talk about the BOB Snapdeal Credit Card:

Aman, a fashion influencer, mentioned on a podcast, "The BOB Snapdeal credit card helps me a lot in shopping, and with simple eligibility criteria, anyone can fulfil."

The following pointers detail the key eligibility requirements:

Nationality: Must be an Indian Resident.
Age: For salaried individuals: 21 to 60 years (Primary), For self-employed: 24 to 65 years (Primary). Add-on cardholders must be at least 18 years old.
Income:
- For Salaried Non-BoB Customers: The minimum net annual income is ₹3,60,000.
- For Self-Employed Non-BoB Customers: The minimum net annual income is ₹4,80,000.
- For Salaried Existing BoB Customers: The minimum net annual income is ₹3,00,000.
- For Self-Employed Existing BoB Customers: The minimum net annual income is ₹3,60,000.

The BOB Snapdeal Credit Card criteria are adjusted to both current bank customers and new applicants with reasonable income, which qualify most working professionals to qualify.

You are familiar with the eligibility criteria; now we'll discuss the documentation required for this Snapdeal credit card.

Documentation of BOB Snapdeal Credit Card

The documentation process for the BOB Snapdeal Credit Card requires authoritative KYC and income proofs for verification.

The following pointers list the essential documents required for the application:

Identity and Address Proof: Recent passport-sized photograph, PAN Card, and one of the following: Aadhaar Card (both sides), Voter ID, Passport, Driving Licence, NREGA Job Card, or a letter from the National Population Register.
Income Proof for Salaried Individuals: Bank statement reflecting salary credits for the last 2 months. This bank statement must accompany salary slips.
Income Proof for Self-Employed Individuals: Bank statement (in PDF format) reflecting business transactions for the last 3 months.
Recent Utility Bills: An electricity, telephone, post-paid mobile, piped gas, or water bill.
If Bills are in the Landlord's Name, A copy of the Rent Agreement must be provided alongside the utility bill.
Property Tax Receipt: A recent Property or Municipal Tax Receipt.
Government-Issued PPOs: Pension or Family Pension Payment Orders (PPOs) issued to retired employees, provided they contain the address.

If your current address differs from your permanent address, please provide proof of residency.

Official Allotment Letter: A letter of allotment of accommodation from an employer, issued by:
- State or Central Government Departments
- Statutory or Regulatory bodies
- Public Sector Undertakings (PSUs)
- Scheduled Commercial Banks
- Financial Institutions
- Listed Companies
Official Lease Agreement: Leave & Licence agreements with the employers mentioned above, assigning official accommodation.

As these pointers show, the required documents are common, which makes the application process clear for all eligible candidates.

In this blog, we discussed all the details of the Snapdeal credit card documentation, and now we will cover how to apply for the BOB Snapdeal credit card.

How to Apply for a BOB Snapdeal Credit Card?

Applying for the BOB Snapdeal Credit Card is a timely and straightforward process.

Step 1: Visit the official website of Bank of Baroda and click 'Apply Now.'

Step 2: You will be taken to a new page to enter your details. (click here to direct link)

Step 3: Please provide your name, date of birth, phone number, email address, and residence.

Step 4: After entering your details, please read the terms and conditions before clicking 'Proceed'.

Step 5: You can now complete your Know Your Customer (KYC) process and e-sign the application form.

Step 6: You will see an acknowledgement on the screen.

If you wish to apply for this card offline, visit the nearest Bank of Baroda branch with the necessary documents, which are already mentioned in this blog.

We talked about all you need to know about the BOB Snapdeal Credit Card, and now let's wrap up with the conclusion of this blog.

Tips to Maximise Rewards with the BOB Snapdeal Credit Card

You can utilise your expertise to maximise the benefits of the BOB Snapdeal Credit Card.

Tip	Action
Bonus Categories	Maximise 5% cashback on Snapdeal & 2% on fuel.
Spend Threshold	Pay ₹35,000 annually to renew and avoid fees.
Pay Bills	Use for utilities to earn unlimited 1% rewards.
Timely Payments	Avoid interest; always clear the total dues.

You can enjoy your journey with the BOB Snapdeal Credit Card

Conclusion

This guide provides comprehensive information about the BOB Snapdeal Credit Card, describing how it can make everyday spending more rewarding for its customers.

Whether you’re shopping online, want to manage expenses, or save on fuel, this card is a financial tool which fits into your life. With simple eligibility, minimal fees, and straightforward documentation, it’s an ideal choice for people.

FAQs

I did not receive my card. What should I do?

If you haven't received your card within 15-20 days of approval, immediately contact the Bank of Baroda customer care helpline to report the issue and request a replacement card.

How do I activate my card for first-time use?

You can activate your card by calling the BOB Financial customer care helpline or through net banking. Physical activation at an ATM might also be required.

What should I do if my card is lost or stolen?

Immediately report it by calling the 24x7 BOB Financial helpline (e.g., 1800-103-1924) to block the card and prevent unauthorised transactions.

How can I convert a large purchase into easy EMIs?

You can convert eligible transactions into EMIs by calling customer care, using net banking, or through the mobile app, subject to terms and conditions.

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