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Features of BOB Financial Snapdeal Credit Card

  • Card Design and Security Features:
    The BOB Snapdeal Credit Card features a sleek design with Bank of Baroda and Snapdeal logos. It is equipped with an EMV chip for enhanced security and supports contactless tap-and-pay transactions for quick payments at compatible POS terminals. The card also offers zero liability protection for lost or stolen cards upon prompt reporting.
  • Reward Points Structure:
    • Earn 20 Reward Points for every ₹100 spent on Snapdeal’s website or app (equivalent to 5% cashback).
    • Earn 10 Reward Points for every ₹100 spent on online shopping (excluding Snapdeal), grocery stores, and departmental stores (2.5% cashback), capped at 2000 points per statement cycle.
    • Earn 4 Reward Points for every ₹100 spent on other categories like dining, entertainment, and offline retail (1% cashback).
  • Automatic Cashback:
    Reward points are automatically credited as cashback to your monthly statement, making reward redemption seamless without manual intervention.
Bank of Baroda Premier Credit Card
    • Fuel Surcharge Waiver: The BOB Snapdeal Credit Card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India. The maximum waiver is capped at ₹250 per billing cycle, offering significant savings for cardholders who frequently refuel their vehicles. This feature positions the Bank of Baroda Snapdeal Card as a practical choice for commuters and travelers.
    • Interest-Free Credit Period: Cardholders enjoy an interest-free credit period of up to 50 days, provided the outstanding balance is paid in full by the due date. This feature allows users to manage their expenses without incurring additional costs, making the Snapdeal BoB Credit Card ideal for those who prefer to clear their dues promptly. For those who carry a balance, the card offers a revolving credit facility, allowing users to pay the minimum amount due and finance the rest at an interest rate of 3.25% per month.
    • Smart EMI Conversion: The BOB Snapdeal Card supports EMI options for transactions exceeding ₹2,500. Cardholders can convert large purchases into affordable EMIs with tenures ranging from 6 to 48 months. This feature is particularly beneficial for high-value purchases, such as electronics or furniture, allowing users to manage their finances effectively without straining their budget.
    • Add-On Cards: The BOB Financial Snapdeal Credit Card allows cardholders to issue up to three lifetime-free add-on cards for family members, including spouses, parents, siblings, or children above 18 years. These add-on cards share the same credit limit as the primary card and offer the same reward points structure, enabling families to maximize their savings on shared expenses. The primary cardholder retains control over the add-on cards, ensuring responsible usage.
    • Contactless and International Transactions: The BOB Snapdeal Credit Card is enabled for contactless transactions, making it convenient for quick payments at retail outlets. Additionally, the card supports international transactions, provided it is activated for foreign use through the login portal or mobile app. A forex markup fee applies to international transactions, which cardholders should consider when using the card abroad.
    • UPI Integration: The Bank of Baroda Snapdeal Card can be linked to UPI platforms, allowing cardholders to make seamless digital payments for bills, utilities, and peer-to-peer transactions. UPI transactions earn core reward points (4 points per ₹100), although they do not qualify for activation benefits or accelerated rewards. This feature enhances the card’s versatility, catering to the growing popularity of UPI-based payments in India.
    • Digital Management Tools: The BOB Snapdeal Credit Card comes with robust digital management tools, including the login portal and mobile app. These platforms allow cardholders to track transactions, view statements, make bill payments, and manage reward points. Users can also activate or block a lost/stolen card instantly through these channels, ensuring complete control over their account.
    • Welcome Voucher: Upon card activation, users receive a Snapdeal voucher worth up to ₹500 for their first transaction within 30 days of issuance. This welcome benefit enhances the appeal of the BOB Snapdeal Card, encouraging new users to explore Snapdeal’s offerings while enjoying immediate savings.
    • Low Fees Structure: The BOB Snapdeal Credit Card is designed to be cost-effective, with a joining and annual fee of ₹249 + GST. This low fee structure makes it accessible to a wide range of users, particularly those seeking an entry-level card with substantial rewards. The card does not offer a fee waiver based on spending, but its affordability and benefits outweigh this limitation.
    • Comprehensive Customer Support: Bank of Baroda provides dedicated customer support for the BOB Financial Snapdeal Credit Card through its toll-free customer care number and email. Cardholders can resolve queries, check application status, or report issues such as lost or blocked cards promptly, ensuring a smooth experience.

    • Revenue Sharing Disclosure: The BOB Snapdeal Credit Card operates under a revenue-sharing arrangement between BOBCARD and Snapdeal. This partnership involves sharing revenue from joining/annual fees and card spends, which supports the card’s attractive reward structure and co-branded benefits. This transparency reinforces the credibility of the Bank of Baroda Snapdeal Card.

    • Compatibility with Digital Wallets: The card is compatible with popular digital wallets, allowing users to make secure online payments and earn rewards on wallet transactions. This feature aligns with the digital payment trends in India, making the Snapdeal BoB Credit Card a forward-thinking option for tech-savvy users.

    • Customizable Credit Limit: The BOB Snapdeal Credit Card limit increase is possible based on the cardholder’s creditworthiness and repayment history. Users can request a higher limit by submitting financial documents, such as salary slips or ITR, through customer care or the online portal. This flexibility ensures the card adapts to the user’s evolving financial needs.

    • Fraud Protection and Alerts: The BOB Snapdeal Card includes real-time transaction alerts via SMS and email, keeping cardholders informed of every purchase. This feature, combined with advanced fraud detection systems, minimizes the risk of unauthorized usage, enhancing the card’s reliability.

    • Environmentally Conscious Branding: The BOB Financial Snapdeal Credit Card aligns with Bank of Baroda’s commitment to sustainability, with branding that emphasizes responsible financial management. While not explicitly marketed as an eco-friendly card, its digital application process and paperless statements contribute to a reduced environmental footprint.

    • Integration with Snapdeal Ecosystem: The card is deeply integrated with Snapdeal’s ecosystem, offering exclusive Snapdeal offers with BOB Credit Card. These include periodic discounts, flash sales, and curated deals, making the BOB Snapdeal Credit Card a must-have for Snapdeal loyalists.

    • Overall Summary: This comprehensive feature set positions the BOB Snapdeal Credit Card as a versatile, reward-focused card ideal for online shoppers and budget-conscious consumers. Its blend of security, convenience, and savings makes it a standout in the entry-level credit card segment.

Premier Card Benefits

Benefits of the BOB Snapdeal Credit Card

  • 1. High Cashback on Snapdeal Purchases:
    • Earn an unlimited 5% cashback on all purchases made via Snapdeal’s website and mobile app.
    • This translates to 20 reward points per ₹100 spent, where each point is worth ₹0.25.
    • Cashback is automatically credited to your credit card statement, ensuring a hassle-free redemption process.
  • 2. Accelerated Rewards on Other Key Categories:
    • Earn 10 reward points (equivalent to 2.5% cashback) per ₹100 spent on online shopping (excluding Snapdeal), groceries, and departmental stores.
    • This benefit is capped at 2000 points per month, encouraging monthly spending up to ₹20,000.
    • All other transactions earn 4 reward points per ₹100 spent (1% cashback), ensuring you earn rewards on every purchase.
    • Fuel Surcharge Savings: The BOB Snapdeal Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum cap of ₹250 per billing cycle.
    • Welcome Voucher for New Users: New cardholders receive a Snapdeal voucher worth up to ₹500 upon making their first transaction within 30 days of card issuance, encouraging exploration of Snapdeal’s product.
    • Interest-Free Credit Period: Provides up to 50 days of interest-free credit for purchases, if the full outstanding amount is paid by the due date, maximizing card value without extra cost.
    • Flexible EMI Options: Transactions above ₹2,500 can be converted into EMIs with tenures from 6 to 48 months via the login portal or customer care, helping manage high-value expenses.
    • Lifetime-Free Add-On Cards: Up to three lifetime-free add-on cards for family members (above 18 years), sharing credit limit and rewards, ideal for households with shared expenses.
    • Zero Liability Protection: In case of lost or stolen card, users have zero liability for unauthorized transactions if reported promptly, with instant card blocking available via app or customer care.
    • Seamless Digital Management: Robust digital ecosystem with login portal and mobile app for transaction monitoring, reward tracking, bill payments, and real-time alerts.
    • Affordable Fee Structure: Joining and annual fee of ₹249 + GST, making it one of the most affordable cards with generous rewards for budget-conscious and first-time users.
    • UPI Payment Integration: Supports linking to UPI apps for quick, secure payments, earning 4 reward points per ₹100, enhancing versatility in digital payments.
    • Exclusive Snapdeal Offers: Access to Snapdeal exclusive discounts, flash sales, and curated deals, providing additional savings and boosting card appeal for Snapdeal shoppers.
    • Travel and Entertainment Discounts: Periodic dining and entertainment discounts through Bank of Baroda partnerships add lifestyle value, though not as extensive as premium cards.
    • Credit Limit Flexibility: Users demonstrating responsible repayments can request higher credit limits by submitting updated financial documents.
    • Global Acceptance: Accepted worldwide where international transactions are enabled, suitable for occasional travelers (forex markup fees apply).
    • Fraud Protection and Alerts: Advanced fraud detection and real-time SMS/email transaction alerts minimize unauthorized usage risk.
    • Revenue Sharing Transparency: Operates under a revenue-sharing model between BOBCARD and Snapdeal, supporting attractive rewards and building cardholder trust.
    • Comparison with Other Cards: Low fees and high cashback on Snapdeal purchases make it stand out in the entry-level segment, though it lacks premium perks like lounge access.
    • Enhanced Shopping Experience: Integration with Snapdeal’s ecosystem provides seamless rewards, cashback, and exclusive offers, ideal for e-commerce enthusiasts.
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How to Apply for BOB Snapdeal Credit Card

  • Online Application: Visit the BOBCARD website → Credit Cards → Snapdeal Credit Card → Apply Now.
  • Fill Personal Details: Enter your full name, date of birth, mobile number, email, and address. Accuracy is key to prevent delays.
  • Employment & Income Info: Select your employment type (salaried/self-employed), enter annual income (₹3.6L salaried / ₹4.8L self-employed).
  • Agree to Terms: Accept the BOB Snapdeal Credit Card terms & conditions to proceed.
  • Complete KYC: Upload Aadhaar, PAN, or passport digitally. Then complete Video KYC with a representative for identity confirmation.
  • E-sign Application: Use Aadhaar OTP to digitally sign and submit the form.
  • Acknowledgement: Receive confirmation with reference number via SMS/email to track your application.
  • Application Review: Bank checks CIBIL score (750+ preferred), verifies documents. Approval within 3–7 working days.
  • Card Delivery: Once approved, card is delivered within 7–10 days to your address.
  • Offline Application: Visit any Bank of Baroda branch with required documents.
    • Locate Branch: Use the bank's branch locator tool to find your nearest location.
    • Collect & Fill Form: Request the Snapdeal Card form, fill in personal and income details, and affix a passport photo.
    • Submit Documents: Provide PAN, Aadhaar, and income proof (salary slips or ITR). Originals needed for verification.
    • KYC & Submission: Complete in-person verification and submit the form to the executive.
  • Application Tracking:
    • Online: Use reference number on the BOBCARD portal to check status.
    • Customer Care: Call the Snapdeal Credit Card helpline with your application number.
    • Branch Visit: For offline applicants, inquire at the submission branch.
  • Card Activation:
    • Via App/Portal: Log in to activate using card details and set PIN.
    • Customer Care: Call support to activate via IVR and set transaction PIN.
  • Post-Approval Steps:
    • Auto-pay Setup: Link a bank account for automatic bill payments to avoid late fees.
    • BOB World App: Use the app for card management, rewards tracking, and offer alerts.
    • Use on Snapdeal: Make first transaction and check for partner discounts or cashback offers.
  • Tips for Smooth Application:
    • Maintain a credit score of 750+ for faster approval.
    • Provide accurate and verifiable income documents.
    • Ensure your Aadhaar and PAN details match government records.
    • Use a good internet connection for seamless Video KYC.
  • Common Challenges & Solutions:
    • Delay in Processing: Contact customer care to check for document issues or KYC delays.

Eligibility Criteria for Bank of Baroda Snapdeal Credit Card

  • 1. Age Requirement
    • Primary cardholder: 21–65 years
    • Add-on cardholders: Minimum 18 years
    • Suitable for: Working professionals in their income-earning years
  • 2. Income Requirements
    • Salaried: Minimum annual income of ₹3.6 lakh (₹30,000/month)
    • Self-employed: Minimum annual income of ₹4.8 lakh
    • Income proof: Salary slips, bank statements, or 2 years ITR
  • 3. Credit Score & History
    • Preferred CIBIL score: 750+
    • Clean repayment history: No defaults, cheque bounces, or overdue payments
    • Credit utilization ratio: Below 30% preferred
    • Low debt-to-income ratio: Ideally under 40%
  • 4. Employment Status
    • Salaried: Stable employment with reputed company; proof required
    • Self-employed: Minimum 2 years of business with valid ITRs or audited accounts
  • 5. Residential Status
    • Must be a resident of India
    • Valid Indian address required for KYC and verification
    • NRIs are not eligible for this credit card
  • 6. Existing Relationship with Bank
    • Having an account or relationship with BoB improves approval chances
    • Salary or savings account, FDs, or existing loans are beneficial
    • Pre-approved offers may be available through bob World app
  • 7. Add-On Card Eligibility
    • Minimum age: 18 years
    • Eligibility based on the primary cardholder’s profile
    • Must provide valid ID and address proof
  • 8. Documentation Requirements
    • Proof of identity and address
    • Income documents: Salary slips, bank statements, or ITR
    • Employment proof and PAN card mandatory
  • 9. Creditworthiness Factors
    • Timely repayments and low outstanding balances on other cards preferred
    • Fewer existing credit cards increase approval likelihood
    • No recent delinquencies or high-risk behavior on credit report
  • 10. Tips to Improve Eligibility
    • Maintain a good credit score by repaying dues on time
    • Lower existing debts before applying
    • Strengthen BoB relationship by maintaining an active account
    • Apply after improving income documentation or financial profile
  • 11. How to Check Eligibility
    • Use the eligibility checker on the BOBCARD website
    • Check for pre-approved offers in bob World mobile app
    • Visit the nearest BoB branch for assistance
    • Call customer care for guidance on eligibility and documentation
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Documents Required for BOB Snapdeal Credit Card

  • 1. Identity Proof (Any One):
    • PAN Card: Mandatory for tax compliance and financial linking
    • Aadhaar Card: Preferred for KYC verification
    • Passport: Valid ID and secondary proof for Indian residents
    • Voter ID Card: Issued by the Election Commission of India
    • Driving License: Must be valid and issued by a recognized authority
    • Photo Credit Card: Accepted if issued by a recognized bank
    • Central/State Govt. Photo ID: For government employees or retirees
    • Defence ID Card: Accepted for defence personnel
  • 2. Address Proof (Any One):
    • Aadhaar Card: Must reflect current address
    • Passport: Accepted if address page is current
    • Voter ID Card: Must match present residence
    • Driving License: Address must be current and valid
    • Ration Card: For household address validation
    • Bank Statement: Last 3 months from a recognized bank
    • Utility Bills: Electricity, telephone, or water bill (within 3 months)
    • Rental Agreement: Registered, with applicant’s name
    • Letter from Public Authority: For rural or semi-urban applicants
  • 3. Income Proof:
    • Salaried:
      • Bank Statements: Last 2 months showing salary credits
      • Salary Slips: Last 2 months (optional but recommended)
    • Self-Employed:
      • ITR: Latest return filed, showing business income
      • Audited Financials: Optional for businesses with high turnover
      • Form 16: If applicable for mixed income individuals
  • 4. Photograph:
    • Recent passport-size photo on white background
    • No dark or tinted glasses
    • Physical copy (offline) or digital photo (online)
  • 5. Add-On Card Documents:
    • Identity Proof: Aadhaar, PAN, passport, or voter ID
    • Address Proof: As per primary cardholder's requirements
    • Photograph: Recent passport-size
    • Relationship Proof: Birth/marriage certificate if requested
  • 6. Documents for Video KYC:
    • Aadhaar Card: For e-sign and identity verification
    • PAN Card: Mandatory for matching details
    • Stable Internet: Required for smooth video call
    • Well-lit Background: Ensures clear visibility during KYC
  • 7. Special Cases:
    • Existing BOB Customers: May require fewer documents
    • First-Time Applicants: Must provide complete income proof
    • Corporate Applicants: Not applicable for this card
  • 8. Submission Guidelines:
    • Ensure all documents are clear and self-attested
    • Scanned copies should be under 2MB (PDF/JPEG)
    • Names and addresses must match across all documents
    • Keep originals ready for in-person verification
  • 9. Common Issues & Tips:
    • Name Mismatch: Use gazette/marriage certificate if needed
    • Expired Documents: Ensure all IDs are valid
    • Incomplete Income Proof: Include both bank statement and salary slip
    • Address Mismatch: Submit rental agreement or utility bill
  • 10. Post-Submission Steps:
    • Track status using reference/application number
    • Respond promptly to any document requests
    • Keep a copy of all submitted documents

Factors Influencing the BOB Financial Snapdeal Credit Card

  • Credit Score and History:
    • CIBIL score of 750+ boosts approval and limit potential.
    • Timely repayments and a clean repayment history enhance eligibility.
    • Multiple credit inquiries signal risk and may lower approval chances.
  • Income Stability:
    • Minimum annual income: ₹3.6 lakh (salaried) and ₹4.8 lakh (self-employed).
    • Stable job or business history improves approval chances and limit offers.
    • Income proof such as salary slips or ITRs is crucial for verification.
  • Debt-to-Income Ratio (DTI):
    • DTI below 40% is ideal for fresh credit approval.
    • High EMI commitments or credit card dues may reduce eligibility or limit size.
  • Credit Utilization Ratio (CUR):
    • Maintaining CUR below 30% reflects responsible usage.
    • High usage can lower credit score and affect card approval.
  • Relationship with Bank of Baroda:
    • Existing BoB account holders may receive faster approval and better terms.
    • Positive loan history with BoB enhances creditworthiness.
  • Spending Patterns:
    • Frequent online and Snapdeal purchases align with the card’s reward structure.
    • Spending on groceries, fuel, and department stores maximizes benefits.
  • Application Accuracy:
    • Ensure details like name, income, and address are consistent and accurate.
    • Incomplete or mismatched documents may delay or reject applications.
  • Market and Economic Conditions:
    • RBI policies and economic trends may influence approval criteria.
    • Finance charges may vary (e.g., 3.25% monthly interest).
  • Customer Care Interaction:
    • Efficient assistance with activation, billing, and lost card issues enhances experience.
    • Proactive customer service can ease credit limit increase processes.
  • Fraud and Security Measures:
    • Secure features like EMV chip and contactless payments prevent unauthorized use.
    • Lost card can be instantly blocked via support.
  • Digital Infrastructure:
    • User-friendly login portal and app for transactions and rewards tracking.
    • UPI support and seamless online applications improve usability.
  • Co-Branding Partnership:
    • Snapdeal offers enhance the value of the card.
    • Strong partnership model ensures high cashback and user benefits.
  • Comparison with Competitors:
    • Low annual fee (₹249 + GST) and 5% cashback on Snapdeal are key highlights.
    • Lacks premium benefits like lounge access seen in cards like BoB Eterna.
  • Regulatory Compliance:
    • KYC norms and RBI credit limit caps apply.
    • UPI transactions may earn only basic/core rewards.
  • User Demographics:
    • Ideal for young professionals, Snapdeal shoppers, and first-time credit users.
  • Long-Term Value:
    • Timely bill payments build credit and lead to higher limits.
    • Regular spending helps maximize cashback and reward points.
  • Promotional Offers and Seasonal Campaigns:
    • Limited-time discounts and cashback boosts during festive sales increase card usage.
    • Special offers tied to Snapdeal events can enhance cardholder value.
  • Technology Integration and Security Updates:
    • Regular app updates improve user experience and add new features.
    • Advanced fraud detection algorithms protect users from unauthorized transactions.
  • Customer Feedback and Reviews:
    • Positive user reviews can influence new applicants' confidence in the card.
    • BoB’s responsiveness to feedback leads to continuous product improvement.

Frequently Asked Questions (FAQs) - Bank of Baroda Snapdeal Credit Card

1. What is the Bank of Baroda Snapdeal Credit Card?
The BOB Snapdeal Credit Card is a co-branded shopping credit card launched by Bank of Baroda Financial in partnership with Snapdeal. It offers cashback, reward points, and exclusive discounts on purchases made through Snapdeal, along with benefits on other retail spending.
2. Who is eligible to apply for the Snapdeal Credit Card?
Any Indian resident aged 18 years or above with a stable income, good credit history, and valid KYC documents is eligible. Both salaried and self-employed individuals can apply.
3. How can I apply for the Snapdeal Credit Card?
You can apply online through the Bank of Baroda Financial website or Snapdeal’s website, or visit your nearest BOB branch. Fill in the required details and upload the necessary documents to complete the application process.
4. What are the key benefits of this credit card?
Key benefits include welcome bonus points, accelerated rewards on Snapdeal purchases, 1% fuel surcharge waiver, contactless payments, and exclusive shopping discounts.
5. Is there an annual fee for the BOB Snapdeal Credit Card?
Yes, there is a nominal annual fee. However, this fee may be waived if you meet the annual spend requirement specified by BOB Financial. Please refer to the official website for the current fee structure.
6. What is the welcome benefit offered on the card?
New cardholders are eligible for bonus reward points on making their first transaction within a stipulated time after card issuance. These points can be redeemed for Snapdeal vouchers or other rewards.
7. What is the reward structure of the Snapdeal Credit Card?
The card offers higher reward points for purchases on Snapdeal and standard reward points on other retail transactions. Points can be redeemed for merchandise, gift vouchers, or discounts through the BOB Financial rewards portal.
8. Can I use the Snapdeal Credit Card outside Snapdeal?
Yes, it can be used like any other Visa or Mastercard credit card at all online and offline merchants that accept card payments, both in India and abroad.
9. Are there any fuel surcharge waivers with this card?
Yes, you get a 1% fuel surcharge waiver on fuel transactions within defined limits, subject to monthly caps as per BOB Financial’s policy.
10. How can I redeem my reward points?
Reward points can be redeemed through the BOB Financial rewards portal. Options include merchandise, gift vouchers, or discounts on future purchases.
11. How can I pay my credit card bill?
You can pay your credit card bill using net banking, NEFT, auto-debit, cheque, cash at a BOB branch, or the BOB Financial mobile app.
12. What is the credit limit offered on this card?
The credit limit is based on your income, credit score, and repayment history. The approved limit is informed at the time of card issuance.
13. Is the Snapdeal Credit Card contactless-enabled?
Yes, the card supports contactless payments for quick and secure transactions at compatible point-of-sale (POS) terminals.
14. What should I do if I lose my credit card?
Immediately report the loss by calling the BOB Financial customer care number. You can also block the card via the BOB Financial mobile app or net banking to prevent misuse.
15. How can I check my credit card statement?
You can view and download your monthly credit card statement through your registered email, the BOB Financial mobile app, or net banking platform.

List of Bank of Baroda BOB Financial Snapdeal Credit Card Branches in Tamil Nadu

  • Tamil Nadu - Chennai - A R M B Chennai
  • Tamil Nadu - Chennai - Abhiramapuram
  • Tamil Nadu - Chennai - Adambakkam
  • Tamil Nadu - Chennai - Adyar
  • Tamil Nadu - Chennai - Alwarpet Branch
  • Tamil Nadu - Chennai - Anna Nagar
  • Tamil Nadu - Chennai - Ashok Nagar
  • Tamil Nadu - Chennai - Cathedral Road
  • Tamil Nadu - Chennai - Chintadripet
  • Tamil Nadu - Chennai - Egmore
  • Tamil Nadu - Chennai - George Town
  • Tamil Nadu - Chennai - Guindy
  • Tamil Nadu - Chennai - K K Nagar
  • Tamil Nadu - Chennai - Kilpauk
  • Tamil Nadu - Chennai - Kodambakkam
  • Tamil Nadu - Chennai - Kotturpuram
  • Tamil Nadu - Chennai - Madhavaram
  • Tamil Nadu - Chennai - Mylapore
  • Tamil Nadu - Chennai - Nungambakkam
  • Tamil Nadu - Chennai - Purasawakkam