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.
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
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