Snapdeal Bank of Baroda Credit Card
Joining Fee: ₹249 + GST
Renewal Fee: ₹249 + GST
Reward Type: Reward Points
Welcome Benefit
Snapdeal Voucher: Get a voucher worth up to ₹500 for Snapdeal on making at least one transaction within the first 30 days.
Rewards Program
Snapdeal Purchases: 5% cashback (20 Reward Points per ₹100) on Snapdeal app/website.
Other Spending: 2.5% cashback (10 Reward Points per ₹100) on departmental stores, online, and grocery purchases (capped at 2,000 points per month).
Retail Spending: 4 Reward Points per ₹100 for all other retail spends.
Reward Redemption
Adjustment: Reward Points are automatically adjusted against the card’s outstanding balance at the end of each statement cycle.
Value: 1 Reward Point = ₹0.25.
Fuel Surcharge Waiver
Waiver: 1% off on fuel transactions between ₹400 and ₹5,000.
Maximum Benefit: Capped at ₹250 per month.
Zero Liability Protection
Protection: No liability for unauthorized or fraudulent transactions on a lost/stolen card if reported promptly.
Other Charges
Interest Rate: 3.25% per month.
Foreign Currency Markup: 3.5% of the total transaction amount.
Cash Withdrawal Fee: 2.5% of the withdrawn amount, minimum ₹300.
Add-on Card Fee: No fee for up to 3 free add-on cards.
Summary
The Snapdeal Bank of Baroda Credit Card is an excellent option for shoppers, offering a competitive reward rate and an affordable annual fee. It joins top online shopping cards like the Flipkart Axis Bank Card and Amazon Pay ICICI Credit Card. The card features a hassle-free redemption process, with reward points automatically applied to the statement balance. While it lacks extensive benefits in categories like travel and dining, its low fee makes it a worthwhile choice for savvy shoppers who can maximize its rewards.