Snapdeal Bank of Baroda Credit Card: Features & Benefits

Summary

Snapdeal Bank of Baroda Credit Card is best suited for heavy online shoppers, especially Snapdeal consumers. It has a chic appearance with the impression of Snapdeal and Bank of Baroda brand logos as well as being chip-safe and tap-to-pay to pay hassle-free.

The card has one of the largest reward points programs among cards. For spending ₹100 on Snapdeal, cardholders get 4 reward points and for other spends, they get 2 reward points. There is also a 500 bonus reward point for the first purchase within 30 days of card activation for new card members. The reward points can be used to get amazing offers and discounts while shopping.

The card also provides a 1% fuel surcharge waiver on fuel points between ₹400 and ₹5,000. Cardholders also enjoy exclusive dining and entertainment discounts, saving lifestyle spending. For large purchases, the easy EMI facility provides convenient repayment options, relieving financial pressures.

Introduction

This is a great financial option for those who want to enjoy online shopping and also enjoy the best benefits of banking services. Snapdeal Bank of Baroda Credit Card has been launched especially keeping in mind those customers who shop regularly on Snapdeal. Snapdeal BoB Credit Card aims to not only provide customers with great offers and discounts while shopping but also provide many other facilities related to Bank of Baroda’s banking services.

Through the credit card, customers get facilities like cashback, reward points, and exclusive discounts on purchases made on Snapdeal, making their online shopping experience even better. Apart from this, Snapdeal Bank of Baroda Credit Card can be used not only on Snapdeal but also at other merchant and retail stores. Snapdeal BoB Credit Card is special for those customers who want to use credit cards for everything from everyday needs to big purchases.

The biggest advantage of Snapdeal BoB Credit Card is that it combines the benefits of online shopping and banking. Under this, customers can not only save while shopping, but they also get easy EMI options and bill payment facilities. Bank of Baroda’s comprehensive banking services make Snapdeal BoB Credit Card even more reliable and useful.

In today’s article, we will discuss in detail about Snapdeal BoB Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of Snapdeal BoB Credit Card and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.

What is the Snapdeal Bank of Baroda Credit Card?

Snapdeal Credit Card is a specialized credit card launched by Bank of Baroda and Snapdeal. Snapdeal Bank of Baroda Credit Card is particularly designed for customers who make online purchases on Snapdeal regularly.

With the Snapdeal BoB Credit Card, you get great cashback, reward points, and special discounts while shopping at Snapdeal. Apart from this, Snapdeal BoB Credit Card also gets accepted at other stores and online portals, so you can use it for all your shopping.

Snapdeal BoB Credit Card is aimed to offer you savings while you shop along with the benefit of other banking facilities of Bank of Baroda, i.e., bill payment facility and cash withdrawal facility as well as facility of easy EMI. Not only is it easy to use, but your

What is the design of the Snapdeal Bank of Baroda Credit Card?

The Snapdeal BoB Credit Card has a stylish and contemporary look in line with its brand name being linked to the online shopping portal Snapdeal. The card has a smooth background with the Snapdeal logo prominently displayed, along with the Bank of Baroda logo.

It is predominantly red and white, the Snapdeal company colors. It contains a chip for secure payment and a contactless payment symbol for easy and convenient payments. Its clean yet fashionable design is convenient for online consumers and Snapdeal users who have increasingly greater needs for shopping.

What are the benefits of the Snapdeal Bank of Baroda Credit Card?

The following are the major advantages of actual reward points:

1. Welcome Advantage

• Get 500 reward points as a bonus on the first purchase in 30 days from card issuance.

2. Reward Points for Shopping

• Earn 4 reward points for each ₹100 on Snapdeal purchases.

• Earn 2 reward points for each ₹100 on all other categories.

3. Waiver of Fuel Surcharge

• Earn a 1% waiver on fuel surcharges on spends ranging from ₹400 to ₹5,000 at fuel pumps.

4. Restaurant & Movie Bookings Offers

• Get restaurant and movie booking offers at discounts with Bank of Baroda partner offers.

5. EMI Facility

• Turn large purchases into easy EMIs for improved money management.

6. Contactless & Secure Transactions

• The card is also used for contactless transactions for secure and easy transactions.

What are the Snapdeal Bank of Baroda Credit Card fees?

Here is a simple Snapdeal BoB Credit Card fee breakup.

Joining Fee	₹249 + GST (one-time fee when you get the card).
Annual Fee	₹249 = GST per year. This will be waived if you spend ₹50,000 or more in 90 days.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting aaSnapdeal Bank of Baroda Credit Card?

The following are the primary requirements:

1. To apply for the Snapdeal BoB Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Snapdeal Bank of Baroda Credit Card?

The documents that you will have to submit to Get a Snapdeal BoB Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Snapdeal Bank of Baroda Credit Card be used?

Here is the list of places where you can use it:

• With the Snapdeal BoB Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Snapdeal Bank of Baroda Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Snapdeal Bank of Baroda Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Snapdeal Bank of Baroda Credit Card?

The credit amount you can spend is what you are provided with a Snapdeal BoB Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for a Snapdeal Bank of Baroda Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the Snapdeal Bank of Baroda Credit Card.

• Just hover your cursor on the Snapdeal BoB Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Bank of Baroda branch to apply for the Snapdeal BoB Credit Card.

• Request for the credit card application form for the Snapdeal BoB Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Snapdeal BoB Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Snapdeal Bank of Baroda Credit Card in 2025 be right?

Yes, getting a Snapdeal Bank of Baroda Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Snapdeal BoB Credit Card is a suitable option, especially for frequent online shoppers and those who want to minimize their expenses as much as possible on their purchases. Snapdeal BoB Credit Card not only offers great cashback and reward points when shopping at Snapdeal but it can also be used on other websites and stores. This enables you to use it for your everyday requirements as well as for big expenditures.

With Bank of Baroda Snapdeal BoB Credit Card, you also have the convenience of EMI payment facilities, bill payments ease, and other banking services, which makes it even more attractive. Apart from this, card members also have various special deals concerning travel and entertainment, which can enhance their lifestyle further.

The biggest advantage of Snapdeal BoB Credit Card is that it is not just convenient while shopping, but also very easy to use and manage. The good banking infrastructure of Bank of Baroda and the good offers from Snapdeal make it even more valuable. If you are an online buyer and want to utilize it to the maximum, then the Snapdeal BoB credit card is suitable for you.

Frequently Asked Questions (FAQs)