About Bank of Baroda Easy Credit Card
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.
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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
|
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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
- Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
- Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
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