BOB Easy Credit Card
BOB Bank Bank of Baroda

Bank of Baroda Easy Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹500

Renewal Fee: ₹500

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The Bank of Baroda Easy Credit Card is designed for people who want to save extra money on daily expenditures to make daily life easy. With this credit card, cardholders earn 5X reward points on daily purchases. This card offers a range of benefits, including accelerated reward points on specific categories, fuel surcharge waivers, and more. It will be a great addition to your wallet.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Benefit
  • Reward Points: This credit card offers a welcome bonus of 500 reward points if you spend ₹5,000 within the first 60 days of card issuance.
Rewards Points
  • Accelerated Rewards: On categories such as groceries, departmental stores, and movies, this card offers 5X reward points (5 points per ₹100 spent).
  • Other Purchases: On all other categories, cardholders Earn 1 reward point for every ₹100 spent.
  • Reward Redemption: You can redeem your reward points for cashback and other exciting options. Its 1 reward point is equivalent to ₹0.20.
Fuel Surcharge Waiver
  • Cardholders enjoy a 1% fuel surcharge waiver on all fuel transactions ranging from ₹400 to ₹5,000 at all petrol pumps in India.
Annual Fee Waiver
  • Cardholders can also get their annual fee of ₹500 waived by spending ₹50,000 in a year.
Interest-Free Period
  • Bank of Baroda Easy Credit Card users enjoy an interest-free period of up to 50 days on their purchases.
Add-On Cards
  • Avail up to 3 free add-on cards for your immediate family members who are above 18 years of age.

Fees and charges that apply to Bank of Baroda Easy Credit Card:

Fee / Charge Amount/Rate
Annual Fee ₹500 (waived on spending ₹50,000 annually)
Joining Fee ₹500
Interest Rate 3.25% per month
Foreign Currency Markup 3.5%
Cash Advance Fee 2.5% of the amount (minimum ₹300)
Late Payment Charges Ranges from ₹100 to ₹950, depending on the outstanding amount
Over Limit Penalty 2.5% of the over-limit amount
Card Replacement Fee ₹300
Add-on Card Fee Nil
Minimum Repayment Amount 5% of the outstanding balance

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

Bank of Baroda Easy Credit Card Eligibility:

Eligibility Criteria of Bank of Baroda Easy Credit Card

  • Age: Applicants should be between 18 and 65 years old.
  • Income: Minimum annual income of ₹4 lakh.
  • Occupation: Available to both salaried and self-employed individuals.

Documents Required For Bank of Baroda Easy credit card

  • Identity Proof: PAN Card, Aadhaar Card, Passport, or Voter ID.
  • Address Proof: Aadhaar Card, Passport, Utility Bills, or Property Tax Receipt.
  • Income Proof: Recent salary slips or Income Tax Returns (ITR).

Note:Bank of Baroda may request additional documents as per their internal policies.

Apply for Bank of Baroda Easy Credit Card Credit Card

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FAQs

You can easily apply online by visiting the official Bank of Baroda website, then go to the Easy Credit Card page, and click on "Apply Now." After that fill in the required details and complete the KYC process.

The Bank of Baroda Easy Credit Card comes with an annual fee of ₹500. But you can also get your annual fee waived by spending ₹50,000 in a year.

This credit card charges a foreign currency markup fee of 3.5% on all international transactions.

With this credit card users earn 5X reward points (5 points per ₹100 spent) on groceries, departmental stores, and movies, and it also offers 1 reward point per ₹100 spent on other categories.

Yes, the Baroda Easy Credit Card offers a 1% fuel surcharge waiver for fuel transactions ranging from ₹400 to ₹5,000. But this waiver is capped at ₹250 per billing cycle.

The Baroda Easy Credit Card offers an interest-free period of up to 50 days on all purchases.

Yes, with Bank of Baroda Easy Credit Card you can get up to 3 free add-on cards for your immediate family members above the age of 18.

You can access the following links to find detailed information and procedures related to managing your BOB Bank Credit Card

Check if you are eligible for Bank of Baroda Easy Credit Card on
mybankingtips.com

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