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Bank of Baroda
BOBCARD Easy
Rewards
1st Year Fee: ₹500* Plus Applicable Taxes
Travel
Up to 10X bonus rewards on travel spends
Fee Waiver
Fee waived on Rs. 35,000 annual spends
Movie Benefit
Up to 5X rewards on movie ticket spends
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About BoB Easy Credit Card
BOBCARD Easy is a rewards credit card that comes at a low annual fee which can be waived off by meeting the annual spending condition of just Rs. 35,000. This BoB Credit Card comes with a minimum credit limit of Rs. 25,000 and offers accelerated value-back on spends made on movies and at departmental stores, along with up to 10X bonus rewards on travel bookings made using BOBCARD SmartDeal. Moreover, you can get this credit card on any network of choice from Visa, Mastercard and RuPay. Suitable for those looking for a low-annual fee card with rewards benefits, this card can be a good option for credit beginners. Read on to know about the features, benefits and fees of BoB Easy Credit Card in detail.
Rewards Program
Reward Earning Rate
- Extra 4X Rewards: 4 Reward points per Rs. 100 spent on flights via BOBCARD SmartDeal
- Extra 10X Rewards: 10 Reward points per Rs. 100 spent on hotels via BOBCARD SmartDeal
- 5X Rewards: 5 Reward points per Rs. 100 spent on movies and at departmental stores
- 1X Rewards: 1 Reward point per Rs. 100 spent on other categories1
Reward Capping
- 5X Reward points are capped at 1,000 Reward points per month, beyond which all spends will only earn the 1X rewards
Reward Redemption
- 1 Reward Point = Rs. 0.20, redeemable as cashback
Other Features and Benefits
Welcome Benefit
- 500 Reward points on Rs. 5,000 spent within 60 days of card issuance
Fee Waiver
- Joining Fee: Waived on spending Rs. 6,000 within the first 60 days
- Annual Fee: Waived on spending Rs. 35,000 in a year
Fuel Benefit
- 1% fuel surcharge waiver of up to Rs. 250 per month on fuel spends of Rs. 400 to Rs. 5,000
No Lost Card Liability
- Zero liability on fraudulent transactions if the loss of card is reported immediately
BoB Easy Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 500 + applicable taxes | ||||||||||||||||
| Finance Charges | 3.75% per month i.e. 45% per annum | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You are looking for an entry-level rewards credit card that comes at a low annual fee
You can maximise your value-back by using this card for travel bookings on BOBCARD SmartDeal
You are a low-spender and want a card with very low fee waiver spending condition
Minimum Income Requirement:
Net Annual Income for Salaried: Rs. 3.6 lakh (non-BoB), Rs. 3 lakh (BoB customers)
Net Annual Income for Self-employed: Rs. 4.8 lakh (non-BoB), Rs. 3.6 lakh (BoB customers)
Paisabazaar Review
What do we like about this card?
BoB Easy Credit Card comes with 5X rewards on movies and departmental store spends, with up to 10X rewards on flight/hotel bookings made via BOBCARD SmartDeal. As a low annual fee rewards card, it is suitable for those who are new-to-credit and are looking for a low cost credit card. The low joining and annual fee waiver condition is easily achievable even by low spenders, thus helping minimise the cost and maximise overall savings.
Pros
- Up to 10X rewards on travel bookings
- Accelerated value-back on movie and departmental store spends
- Very low annual spend-based condition for fee waiver
Cons
- Very low reward redemption value
- No significant benefit or savings offer on any lifestyle category beyond the reward structure
Frequently Asked Questions
Everything you need to know about this credit card
Yes, you can get this card even if you do not fall in a tax bracket that requires tax payment. However, you must meet the eligibility criteria set by the bank in order to avail this card.
Yes, Bank of Baroda Easy Credit Card is available on Visa, Mastercard and RuPay platforms, giving cardholders the flexibility to choose as per their preference and acceptance.
Salaried or self-employed Indian residents aged between 21 and 60 years for salaried and 24 and 65 years for sself-employed applicants with a stable income and good credit history are eligible to apply for BoB Easy Credit Card. The minimum income requirement details are mentioned on the page above.
A foreign currency markup fee of 3.5% of the transaction value is applicable on all international spends made with BOBCARD Easy.
To increase your credit limit, you can place a request with the bank by providing income proof or maintaining a strong repayment history, as the bank reviews your eligibility before approving a higher limit.
Footnotes
- Select categories, like fuel, agriculture, contractor, transportation, telecom, rent, cleaning and maintenance, laundry, select personal services, govt., education, hospital, wallet, supermarket and convenience store, variety/retail stores, insurance, charity, and fast food restaurants, are excluded from the reward benefits.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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