If you’re looking for a no-fuss cashback card that keeps rewards simple, the Bank of Baroda Cashback Credit Card deserves attention. and aren’t getting approved for the SBI Cashback Card.
Fees and Charges
The card comes with a joining fee of ₹499, which is also the annual renewal cost from the second year onwards. The fee structure is moderate—ideal for someone who wants solid cashback benefits without paying a premium.
Pure Cashback, No Complications
Unlike traditional reward point systems, this card focuses purely on cashback. There’s no need to convert points or track categories—you earn money back on every spend.
Cashback Structure and Limits
- Earn between 1% to 5% cashback on spends.
- The 5% cashback rate is applicable on select spending categories and is valid for purchases up to ₹30,000 per statement cycle.
- This makes it easy to earn meaningful returns on routine expenses without juggling complex reward caps or exclusions.
A notable highlight is that gift card purchases aren’t excluded from cashback eligibility based on their merchant category code (MCC), which is rare and highly convenient for savvy shoppers.
Overall, the Bank of Baroda Cashback Credit Card offers a clean, value-driven approach to cashback rewards—perfect for users who prefer simplicity and transparency over gimmicks.
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