Bob Snapdeal Rupay Credit Card Review

[nh124001]

Please share user review or experiences with Bob Snapdeal Rupay Credit card, basically i want a rupay credit card with atleast 1% cashback or rewards.
I heard about high UPI failure rate with this card in the past, is this issue still there?

 

[helloworld]

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Thread 'BOB Snapdeal Rupay Credit Card- Best for Cashback on UPI txns & Excluded Online Categories'

Aug 26, 2023

Hello everyone,
I think BoB Snapdeal Rupay card is best for cashback on upi txn. All such txn are generating 1% cashback unlimited (directly credited to card post bill generation) without points redemption puzzle.
Apart from this, 2.5% cashback on every online txn (including income tax, NPS, passport application etc), limit of Rs. 500 per billing cycle.

Bottomline- Annual fee of Rs. 249+ GST

Please share yours experience and suggestion for other cards, which offer better cashback (real cash without redemption).

• skyisthelimit
• bob bob snapdeal credit card snapdeal
• Replies: 51
• Forum: RuPay Credit Cards

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Thread 'BOB Snapdeal Virtual Rupay Card LTF'

Jan 26, 2024

BoB is now offering Snapdeal Rupay Variant with 0 JF & 0 AF as an additional card. No physical card will be sent though. Earlier Easy Rupay was offering as LTF as an additional card.

• alanabraham
• Replies: 698
• Forum: BOB Cards

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Thread 'Bob Snapdeal & Other cards Rewards points changes effective from 15th July'24,'

Jun 15, 2024

Dear Customer, Please note that effective 15th July'24, some of your BOBCARD terms and conditions will be revised. Click bobfin.in/TCNU for details.

• Vineet_
• bob card bob credit card snapdeal
• Replies: 48
• Forum: BOB Cards

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Thread 'BOB Snapdeal reward points shown as redeemed without any redemption'

Jun 17, 2024

Let me start by saying that BoB didn't even send me an email or SMS for the monthly statement. I knew the bill was due yesterday, so I opened the app and requested a duplicate statement to be emailed to me.

This is the statement for the virtual Snapdeal RuPay card which was offered to me as an additional card for my BoB Premier. When I opened the attached statement, to my utter surprise, the reward points earned from the transactions this month are shown as redeemed!

Given that there needs to be at least 500 points to initiate a request for redemption, it is impossible that those 72...

• lpshreyas
• Replies: 13
• Forum: BOB Cards

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[Bhaskar]

I recently paid for petrol via UPI but got charged 11.80 rupees surcharge on 195 rupees petrol. Is it normal? Because I was never charged any surcharge with ICICI coral UPI. Why snapdeal charging this much?

 

[rockking1994]

Please share user review or experiences with Bob Snapdeal Rupay Credit card, basically i want a rupay credit card with atleast 1% cashback or rewards.
I heard about high UPI failure rate with this card in the past, is this issue still there?

I use bob snapdeal for quite some time didn't face failure issue
It has 1% upi but only upto rs 125 so max transaction in each bill cycle is rs 12500

 

[nh124001]

I use bob snapdeal for quite some time didn't face failure issue
It has 1% upi but only upto rs 125 so max transaction in each bill cycle is rs 12500

thanks for the reply, i opted for kiwi yes rupay credit card it gives me around 2% cashback 🙂

 

[TechnoFi]

I recently paid for petrol via UPI but got charged 11.80 rupees surcharge on 195 rupees petrol. Is it normal? Because I was never charged any surcharge with ICICI coral UPI. Why snapdeal charging this much?

kindly do fuel purchase within specified limits to get fuel surcharge waiver.

 

[Harsha896]

I recently paid for petrol via UPI but got charged 11.80 rupees surcharge on 195 rupees petrol. Is it normal? Because I was never charged any surcharge with ICICI coral UPI. Why snapdeal charging this much?

For bob min fuel amount is 400 for waiver. Below 400 it's useless. Above 400 you get double waiver on UPI payments for snapdeal.

 

[Bhaskar]

For bob min fuel amount is 400 for waiver. Below 400 it's useless. Above 400 you get double waiver on UPI payments for snapdeal.

Okay thanks. Still 11 rupees surcharge seems too much for 195 rupees transaction.

 

[helloworld]

Okay thanks. Still 11 rupees surcharge seems too much for 195 rupees transaction.

10+GST or 1%+GST whichever higher.. general rule for all banks // any bank // any card.

careful next time. not the new thing, its been like a decade with this rule.

btw, some banks do surcharge waiver but follows only 1%+GST.

for more info, read MITC of that bank.

 

[SonyTom]

It's 10% +gst. It's probably a fixed rate. Even if you filled for ₹100, you would have had to pay the same surcharge

 

[Bhaskar]

10+GST or 1%+GST whichever higher.. general rule for all banks // any bank // any card.

careful next time. not the new thing, its been like a decade with this rule.

btw, some banks do surcharge waiver but follows only 1%+GST.

for more info, read MITC of that bank.

Okay thanks 👍

 

[jeevankumars]

How kiwi is giving 2% cashback? Direct cashback credit?

thanks for the reply, i opted for kiwi yes rupay credit card it gives me around 2% cashback 🙂

 

[Harsha896]

How kiwi is giving 2% cashback? Direct cashback credit?

Yes you will get kiwis. If you want, you can redeem them immediately into your bank account

 

[jeevankumars]

Yes you will get kiwis. If you want, you can redeem them immediately into your bank account

So is it flat 2% kiwis for every transaction? Or upto 2% kiwis. Wts the conversion rate?
Is there any minimum transaction amount to get the kiwis?

 

[Harsha896]

Flat 2% on eligible categories or else 0%. Min amt : 50. 4 kiwis = 1 re

So is it flat 2% kiwis for every transaction? Or upto 2% kiwis. Wts the conversion rate?
Is there any minimum transaction amount to get the kiwis?

 

[SonyTom]

So from yesterday, Snapdeal used via upi apps gives 1% unlimited returns. In that same document they say core reward points wont be got on wallet loading.

But what about upi usage at the places like Supermarkets, convenience stores, fast food restaurants which are included in the Annexure A: List of Special MCCs (from the June 2024 devaluation shown in Post #2

 

[helloworld]

So from yesterday, Snapdeal used via upi apps gives 1% unlimited returns. In that same document they say core reward points wont be got on wallet loading.

But what about upi usage at the places like Supermarkets, convenience stores, fast food restaurants which are included in the Annexure A: List of Special MCCs (from the June 2024 devaluation shown in Post #2

Post in thread 'BOB Eterna Credit Card Launched on RuPay network'

Jan 1, 2025

Where is it written in the MITC that accelerated points won't be awarded on UPI spend starting from January 1, 2025 ?

Its not from Jan 1 but since they started providing Rupay cards, I think.

Terms and Condition

Terms and Condition

www.bobcard.co.in

2nd One: BOBCard MITC 2024

last page, right side..

REWARD POINT T&C
a. Credit card on UPI transactions will be eligible for only Core reward points and Milestone
reward point features.
b. Reward Points will lapse in the following Scenarios:

Link they mentioned in each card page.

• helloworld

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: )

 

[SonyTom]

I went through the above thread.

Ok. So accelerated RPs wont be obtained by using rupay on upi.

But my doubt is - Will we get 1% unlimited return with rupay on upi transactions done at supermarkets, convenience stores, fast food restaurants etc.

I am asking this since the document in post #2 says mcc included in annexure will not fetch core reward points.

 

[helloworld]

I went through the above thread.

Ok. So accelerated RPs wont be obtained by using rupay on upi.

But my doubt is - Will we get 1% unlimited return with rupay on upi transactions done at supermarkets, convenience stores, fast food restaurants etc.

I am asking this since the document in post #2 says mcc included in annexure will not fetch core reward points.

yes, unlimited 1%.

but, do note that they're 5%/10% (if eligible) cards for supermarket, convenience stores, fast food restaurants, just in case.

Do not settle for less (if eligible).

 

[SonyTom]

yes, unlimited 1%.

but, do note that they're 5%/10% (if eligible) cards for supermarket, convenience stores, fast food restaurants, just in case.

Do not settle for less (if eligible).

Thanks bro for confirming.

I currently use kiwi for upi. But will keep thus as a back up when kiwi neon subscription gets chargeable.
Other than kiwi, I plan to use BPCL Octane card which gives 2.5% at grocery, departmental store and dining.
I think you are referring to HSBC Live card which gives 10% at supermarkets, but I don’t have it.