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BOBCARD Easy Credit Card

Bank of Baroda |
Beginner Grocery Lifestyle Movies Rewards

Annual Fee

₹500

Rewards/₹100 ⓘ

₹0.20 - ₹2.00

Normalized to balance base rate with bonus categories

Interest Rate

45.00%

Credit Score

700+

At a Glance

Key Benefits

5X rewards on movies & groceries (capped 1,000 pts/month), 10X on hotels via SmartDeal, fuel waiver, lifetime free till Dec 2025

Lounge Access

Quarterly domestic lounge access on Rs.40K quarterly spend (from Jan 2025)

Eligibility

Age 21-60 (salaried), 24-65 (self-employed), Min income Rs.3L-4.8L p.a., CIBIL 700+, Resident Indians

Quick Details

Annual Fee
₹500 #113
Joining Fee
₹500 #112
Interest Rate
45.00% p.a. #244
Forex Markup
3.50% #75
Rewards/₹100
₹0.20 - ₹2.00 #143
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
1/year #120
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network VISA
Card Replacement Fee 100
Late Payment Fee ₹200
Cash Advance Fee ₹500 2.50% (min ₹500)
Card Replacement Fee ₹100
Over Limit Fee ₹500
Fee Waiver on Spend ₹35,000/yr

Reward Structure

Cat

Movies

₹1.00 /₹100
Cat

Groceries & Departmental Stores

₹1.00 /₹100
Cat

Flight Bookings via BOBCARD SmartDeal

₹0.80 /₹100
Cat

Hotel Bookings via BOBCARD SmartDeal

₹2.00 /₹100
Base

All Other Categories

₹0.20 /₹100

Reward Calculator

₹
Allocate by Category 100%
Movies
5.0 pts
35% ₹0
Groceries & Departmental Stores
5.0 pts
25% ₹0
Flight Bookings via BOBCARD SmartDeal
4.0 pts
20% ₹0
Hotel Bookings via BOBCARD SmartDeal
10.0 pts
12% ₹0
Other Spends
1.0 pts
8% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Joining fee waiver on spending Rs.6,000 in first 60 days

Spend ₹6,000 within 60 days

₹500

value

Annual Benefit

Annual fee waiver on spending Rs.35,000 in card anniversary year

Spend ₹35,000 within 365 days

₹500

value

Airport Lounge Access

Domestic Free
1

visits per quarter

Requires Rs.40,000 spend in previous quarter (effective from Jan 1, 2025). Access across 65 domestic and international airports.

Insurance Coverage

Lost Card

₹0

Zero liability for fraudulent transactions reported promptly

Purchase Protection

₹0

Protection against card counterfeiting, skimming, and online fraud

Lifestyle Perks

Fuel

1 /month

1% fuel surcharge waiver on transactions between Rs.400-Rs.5,000 (max Rs.250 per billing cycle)

Cashback

1 /month

0.5% cashback on timely credit card bill payments

Emi

Convert transactions above Rs.2,500 into easy EMIs (6-12 months)

Contactless

Tap & Pay for contactless payments

Travel

1

Up to 10X bonus rewards on travel bookings via BOBCARD SmartDeal

Quick Analysis

BOBCARD Easy is a solid entry-level rewards card offering 5X points on movies and groceries, fuel savings, and lifetime free option till Dec 2025. Perfect for beginners seeking low-fee rewards card with accelerated earning on lifestyle spends.

Pros

  • Lifetime free offer till 31st Dec 2025
  • 5X rewards on movies, groceries & departmental stores
  • Up to 10X rewards on travel bookings via BOBCARD SmartDeal
  • Low annual fee of Rs.500 with Rs.35K spend waiver
  • 1% fuel surcharge waiver up to Rs.250/month
  • 0.5% cashback on timely bill payments
  • Up to 3 lifetime free add-on cards
  • Interest-free credit up to 50 days
  • Available on Visa, Mastercard & RuPay platforms
  • Zero liability on fraudulent transactions

Cons

  • 5X rewards capped at 1,000 points per statement cycle
  • Lounge access requires Rs.40K quarterly spend from 2025
  • No reward points on fuel transactions
  • High 3.5% forex markup for international use
  • 3.75% monthly interest rate (45% p.a.)
  • Limited lounge access for entry-level card
  • High cash advance fees (2.5%-3%)
  • Select categories excluded from rewards
  • Minimum Rs.25,000 credit limit
  • Limited premium benefits

Best For

Entry-level users, movie & grocery spenders, new to credit

Not Ideal For

International travelers, fuel spenders, premium seekers

Frequently Asked Questions

What is the annual fee for BOBCARD Easy?
The joining and annual fee is Rs.500 + GST. However, there is a lifetime free offer valid till 31st December 2025. The annual fee is waived if you spend Rs.35,000 or more in a card anniversary year.
How many reward points do I earn?
You earn 5 reward points per Rs.100 on movies, groceries & departmental stores (capped at 1,000 points per statement cycle). On all other categories, you earn 1 reward point per Rs.100. Additional 4X rewards on flights and 10X on hotels booked via BOBCARD SmartDeal.
What is the value of reward points?
Reward points can be redeemed for cashback at 1 reward point = Rs.0.20. So 1,000 points = Rs.200 cashback.
Is there a cap on reward points?
Yes, the 5X rewards on movies, groceries and departmental stores are capped at 1,000 reward points per statement cycle. Beyond this cap, further spends in these categories will earn the regular 1X reward rate.
Do I earn rewards on fuel transactions?
No, reward points are not earned on fuel transactions. However, you get 1% fuel surcharge waiver on transactions between Rs.400 to Rs.5,000, with a maximum benefit of Rs.250 per billing cycle.
What is the lounge access benefit?
From January 1, 2025, domestic airport lounge access requires minimum spending of Rs.40,000 in the preceding quarter. You can access lounges across 65 domestic and international airports.
What is the eligibility criteria?
Age: 21-60 years for salaried, 24-65 years for self-employed. Minimum annual income: Rs.3.6 lakh for salaried (Rs.3 lakh for BoB customers), Rs.4.8 lakh for self-employed (Rs.3.6 lakh for BoB customers). CIBIL score: 700+. Must be Resident Indian with stable income and good credit history.
What documents are required to apply?
PAN Card (mandatory), Identity proof (Aadhaar/Passport/Voter ID/DL), Address proof (utility bill/bank statement), Income proof (salary slips/ITR/Form 16/bank statements), and Age proof.
Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 to Rs.5,000. Maximum benefit is Rs.250 per statement cycle.
Are add-on cards free?
Yes, you can get up to 3 lifetime free add-on cards for your spouse, parents, siblings or children above 18 years of age.
What is the interest rate?
The interest rate is 3.75% per month on overdue amounts. You get up to 50 days interest-free credit period on retail purchases if you pay the full bill on time.
What is the forex markup?
The foreign currency markup is 3.5% of the transaction amount on all international spends.
What card networks are available?
BOBCARD Easy is available on Visa, Mastercard and RuPay platforms. You can choose your preferred network at the time of application.
What is the minimum credit limit?
The minimum credit limit for BOBCARD Easy is Rs.25,000.
Is there zero liability on lost card?
Yes, you are not liable for any fraudulent transactions reported promptly after card loss. The card also has protection against counterfeiting, skimming, and online fraud.
Can I convert purchases to EMI?
Yes, you can convert transactions above Rs.2,500 into easy EMIs ranging from 6 to 12 months.
What is the cash advance fee?
Cash advance fee is 2.5% of the withdrawn amount, subject to a minimum of Rs.500 at domestic ATMs. At international ATMs, it is 3% of the withdrawn amount, whichever is higher.
What categories are excluded from rewards?
Fuel, agriculture, contractor, transportation, telecom, rent, cleaning and maintenance, laundry, select personal services, government, education, hospital, wallet, supermarket and convenience store, variety/retail stores, insurance, charity, and fast food restaurants are excluded from reward benefits.
How does the 0.5% cashback on bill payments work?
You receive 0.5% cashback when you pay your BOBCARD Easy credit card bills on time. This encourages timely payment and helps you avoid late fees.
What is BOBCARD SmartDeal?
BOBCARD SmartDeal is an exclusive booking portal for BOBCARD holders where you can earn bonus rewards - up to 4X extra rewards on flight bookings and up to 10X extra rewards on hotel bookings.

User Reviews

Our Rating

3.5
APPLY NOW

on Bank of Baroda's website

Rating Breakdown

Rewards
3.7/5 Top 39%
Benefits
3.5/5 Top 22%
Fees
3.6/5 Top 39%
Value for Money
3.5/5 Top 40%
User Reviews
3.0/5 Top 50%

Important Links

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