The BOBCARD Easy Credit Card is an ideal entry-level card designed for everyday spending, offering zero annual or renewal charges. Cardholders earn reward points on their purchases, helping maximize savings on daily expenses. You receive 5 Reward Points for every ₹100 spent on movies, groceries, and departmental stores, and 1 Reward Point for every ₹100 spent on all other categories. Additionally, the card provides zero liability protection in case of loss.
This credit card operates on the RuPay network, allowing you to link it with your preferred UPI app for seamless payments while continuing to earn reward points on UPI transactions. It’s a simple, convenient, and rewarding card for first-time credit card users.
The Bank of Baroda Easy Credit Card is a rewards card that also offers cashback. It has an annual fee of just ₹500, which is waived if you spend ₹50,000 or more in a year.
Bank of Baroda Easy Credit Card Rewards Program
BOBCARD Easy Credit Card Rewards
Earn 5 Reward Points for every ₹100 spent on select categories like movies, groceries, and departmental stores.
Monthly cap of 1,000 Reward Points for these select categories; spending beyond this earns 1 Reward Point per ₹100.
Earn 1 Reward Point for every ₹100 spent in all other categories.
Get 0.5% cashback on your credit card bill payments.
Reward Redemption
Accumulated Reward Points can be redeemed for cashback and other exciting options.
1 Reward Point = ₹0.20.
Other Features and Benefits
Fuel Surcharge Waiver – No fuel surcharge on fuel spends between ₹400 and ₹5,000.
Annual Fee Waiver – Spend ₹50,000 in a year to get the annual fee waived.
Insurance Coverage – Up to ₹15 lakh for air accidents and ₹5 lakh for other accidents.
EMI Option – Convert purchases over ₹2,500 into EMIs of 6 to 12 months.
Free Add-on Cards – Up to 3 free add-on cards for family members above 18 years.
Interest-Free Period – Up to 50 days of interest-free credit on purchases.
Fees and Charges
Fee Type
Amount
First-year fee
Rs.500
Annual fee
Rs.500
Cash withdrawal fee (Domestic ATMs)
2.5% of the transaction amount subject to a minimum of Rs.300
Cash withdrawal fee (International ATMs)
3.0% of the transaction amount subject to a minimum of Rs.300
Finance charges or interest
3.25% per month or 39% per annum
Duplicate bill fee
Rs.25 per request
Cheque return charges
2% of the cheque amount or Rs.300 whichever is higher
Over limit charges
1% if the usage exceeds the sanctioned credit limit per month
Card replacement charges
Rs.100 per request
Foreign currency transaction fee
3.5% of the transaction amount
Charge slip retrieval charges
Rs.250 per slip
Card de-blocking charges
Rs.300 per instance
Late payment charges
Rs.201 to Rs.500 - Rs.100
Rs.501 to Rs.1,000 - Rs.400
Rs.1,001 to Rs.10,000 - Rs.500
More than 10,001 - Rs.750
Things to Know Before you apply
Get this card if:
You are looking for an entry-level credit card with low or no annual fees.
You want to earn reward points on daily spending like movies, groceries, and departmental stores.
You prefer a card that offers cashback on bill payments.
You want fuel surcharge waivers and insurance coverage benefits.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For Bank of Baroda Easy Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Bank of Baroda Easy Credit Card Hilights
What do we like about this card?
Earn up to 5 Reward Points per ₹100 spent on select categories.
0.5% cashback on credit card bill payments.
Fuel surcharge waiver on fuel transactions.
Insurance coverage up to ₹15 lakh.
Annual fee waiver on spending ₹50,000 in a year.
Interest-free period of up to 50 days.
Up to 3 free add-on cards for family members.
Pros
Low annual fee of ₹500, which can be waived on spending ₹50,000/year.
Earn up to 5 Reward Points per ₹100 on select categories.
0.5% cashback on credit card bill payments.
Fuel surcharge waiver on fuel transactions.
Insurance coverage up to ₹15 lakh.
Up to 50 days interest-free period.
Add-on cards available (up to 3) at no extra cost.
Cons
Reward points capped at 1,000 per month for select categories.
Lower reward rate (1 RP/₹100) on non-selected categories.
Limited premium benefits compared to higher-tier credit cards.
No welcome gifts or special lifestyle perks.
Bank of Baroda Credit Card Contact Details
Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
Bank of Baroda
Fuel
Reward Points
