BOBCARD Easy Credit Card

Gaurav

The Bank of Baroda Easy Credit Card is a rewards credit card that also offers cashback. It comes with an annual fee of ₹500, which is waived upon spending ₹35,000 in a year. Cardholders earn 5 reward points per ₹100 spent on movies, groceries, and department stores, while all other expenses earn 1 reward point per ₹100. The card also provides a 1% fuel surcharge waiver (up to ₹250 per statement cycle) and 0.5% cashback on bill payments. Additionally, reward points can be redeemed for discounts, gift vouchers, or other exciting offers.

As part of the RuPay network, the card can be linked to UPI apps for seamless payments while still earning rewards. If the monthly limit for 5X reward points on select categories is exceeded, standard reward rates apply. The card also offers zero liability protection if lost and reported immediately. With its blend of rewards, cashback, and security features, this card is a great option for everyday spending.

Credit Card Detail
BOBCARD Easy Credit Card
Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping | Food
Reward Type
Reward Points
Welcome Benefits
Earn 500 reward points when you spend Rs. 5,000 within the first 60 days of card issuance.
Apply Now
Rewards Rate
Get 5 reward points for every ₹100 spent on movies, groceries, and department stores. For all other purchases, you’ll get 1 reward point per ₹100 spent.
Reward Redemption
You can redeem your accumulated reward points for cashback and other exciting rewards. Each reward point is worth Rs. 0.20.
Movie & Dining
N/A
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.25% per month.
Spend-Based Waiver
Spend ₹6,000 within the first 60 days to get the joining fee reversed. Spend ₹35,000 in a year to waive the annual fee.
Rewards Redemption Fee
Nil
Cash Advance Charges
At domestic ATMs, a fee of 2.5% or Rs. 300 will be charged, whichever is higher.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
Get a 1% on transactions between Rs 400 and Rs 5,000 (Max. Rs. 250 per statement cycle)
Card Details
  • Get 1 reward point for every ₹100 spent using the card.
  • Earn 5X rewards on spending at grocery stores, department stores, and movies.
  • Redeem reward points for cashback, gift vouchers, and exciting rewards.
  • Pay your credit card bill on time and receive 0.5% cashback on the next statement.
  • Get the joining fee reversed by spending ₹6,000 within the first 60 days and waive the annual fee by spending ₹35,000 in a year.
  • Enjoy a 1% fuel surcharge waiver at petrol stations across India on transactions between ₹400 and ₹5,000.
  • Convert purchases above ₹2,500 into EMIs with flexible repayment options of 6 or 12 months.
  • Apply for up to three add-on cards for family members, including spouse, parents, siblings, and children above 18 years.
  • Get free personal accidental death insurance coverage.
  • Stay protected with zero liability on a lost card if reported within 24 hours.
  • Benefit from an interest-free period of up to 50 days.
  • Use the revolving credit facility by paying only the minimum amount due.
Related Credit Cards

Bank of Baroda ICSI Diamond Credit Card

Bank of Baroda ICSI Diamond Credit Card Know More

Snapdeal Bank of Baroda Credit Card

Snapdeal Bank of Baroda Credit Card Know More

IRCTC BOBCARD Credit Card

IRCTC BOBCARD Credit Card Know More

Indian Army Yoddha BOB Credit Card

Indian Army Yoddha BOB Credit Card Know More
Frequently Asked Questions

Who can apply for the Bank of Baroda Easy Card?

Individuals aged 21 or above, whether salaried or self-employed, are eligible. Income proof is required for approval.

What are the fees for the BoB Easy Card?

A joining fee of ₹500 and an annual fee of ₹500 apply.

How is the credit limit determined?

The bank decides the credit limit based on factors like income, age, and CIBIL score. It varies for each individual and remains confidential.

Can I convert reward points into cashback?

Yes, reward points can be redeemed for cashback and other perks.

Is the BoB Easy Card free for life?

It is free for a limited time under a special offer. After that, a ₹500 annual fee applies, which can be waived under certain conditions.

Does an add-on card have a separate credit limit?

No, the add-on card shares the credit limit of the primary cardholder.

Leave a Reply

About text formats

Restricted HTML

  • Allowed HTML tags: <a href hreflang> <em> <strong> <cite> <blockquote cite> <code> <ul type> <ol start type> <li> <dl> <dt> <dd> <h2 id> <h3 id> <h4 id> <h5 id> <h6 id>
  • Lines and paragraphs break automatically.
  • Web page addresses and email addresses turn into links automatically.