What is the annual fee waiver threshold for BoB Cashback?

The annual fee of ₹500 + GST is completely waived if you spend ₹1,00,000 or more in the preceding membership year.

How is cashback credited on BoB Cashback?

Cashback is calculated monthly and adjusted directly against your credit card statement balance.

Does Bank of Baroda Cashback Credit Card offer lounge access?

No. The BoB Cashback Credit Card does not offer complimentary domestic or international airport lounge visits.

Are utility payments eligible for 5% cashback on BoB Cashback?

Yes. The card offers 5% cashback on online grocery and utility bill payments, subject to monthly category caps.

Bank of Baroda Cashback Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility

Researched & Fact-Checked by CardSe Editorial Team · Verified: September 2026 against Bank Schedule of Charges (MITC) · CardSe Score: 4.3 / 5.0

The Bank of Baroda Cashback Credit Card is a leading cashback credit card issued by Bank of Baroda on the Visa network. Tailored specifically for households seeking a dependable 5% cashback card on online grocery, department store, and utility spending. it features a joining fee structure of ₹500. In this comprehensive 2026 review, CardSe evaluates its fee waiver thresholds, category capping rules, airport lounge access qualification, and net reward yields to help you determine if this card earns a permanent spot in your wallet.

Key Benefits & Reward Structure

The reward structure of the Bank of Baroda Cashback Credit Card is structured around category-specific accelerators and spend thresholds:

Online Spends: Offers 1% reward rate on eligible digital purchases.
Offline Spends: Earns 1% cashback/rewards on eligible brick-and-mortar purchases.

Important Parameters: 5% cashback on online utility and grocery spends.

Break-Even & Value Analysis

With an annual fee of ₹500 + GST, spending ₹10,000 annually on eligible 5% online categories yields ₹500 in cashback, recovering the card fee. Spending ₹1 Lakh waives the annual renewal fee.

Pros & Cons

Pros

5% cashback on online grocery and utility bill spends.
1% cashback on other eligible retail spends.
Low annual fee waiver spend threshold of ₹1,00,000.
Direct statement credit cashback auto-adjusted monthly.

Watchouts & Cons

5% category cashback is subject to monthly category capping limits.
No complimentary domestic airport lounge access.
Fuel and wallet reloads are excluded from cashback.

CardSe Verdict

The Bank of Baroda Cashback Credit Card is a solid, practical card for family grocery and utility budgets, offering a straightforward 5% return with low fee waiver hurdles.

Editorial Independence & Affiliate Disclosure: All recommendations on CardSe are created independently by our research team. We do not accept sponsorship to promote specific cards. We may receive an affiliate commission from card networks or banks if you apply through links on our site, at no cost to you.

Detailed Card Parameters

Joining/Annual Fee	₹500
Welcome Benefit	-
Annual Fee Waiver Spends	₹1 Lakh
Domestic Lounge Visits	-
Spends for Lounge	-
Offline Spends	1%
Online Spends	1%
Notes	5% cashback on online utility and grocery spends.

Frequently Asked Questions

What is the annual fee waiver threshold for BoB Cashback?: The annual fee of ₹500 + GST is completely waived if you spend ₹1,00,000 or more in the preceding membership year.
How is cashback credited on BoB Cashback?: Cashback is calculated monthly and adjusted directly against your credit card statement balance.
Does Bank of Baroda Cashback Credit Card offer lounge access?: No. The BoB Cashback Credit Card does not offer complimentary domestic or international airport lounge visits.
Are utility payments eligible for 5% cashback on BoB Cashback?: Yes. The card offers 5% cashback on online grocery and utility bill payments, subject to monthly category caps.