BOBCARD EASY
76/100
·
₹500/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
Bank of Baroda
BOBCARD EASY
RuPay
Entry
RUPAY
BOBCARD EASY
by Bank of Baroda · Data verified 5 days ago
Entry-level card with low income requirement
76
Score
Based on rewards, fees, benefits & eligibility
₹500
Fee
Waiver available on spending
1
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
No Lounges
complimentary
₹500/yr
waiver available
76/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Annual Fee
Card membership
-₹500
Net Annual Value
You save per year!
What's Great
- 5X Reward Points (1.25% return) on Grocery, Departmental Stores, and Movies
- Low annual fee waiver threshold of just ₹35,000 annual spend
- RuPay variant available for convenient UPI payments
- 1% fuel surcharge waiver up to ₹250 per month across all fuel stations
- Reward points easily redeemable as direct statement cashback
Things to Consider
- 5X accelerated reward points capped at 1,000 points (₹250 value) per statement cycle
- No complimentary airport lounge access
- Low base reward rate of 0.25% on other categories
- Standard 3.5% foreign currency markup fee
Perfect For
BOB customers
First-time users
About This Card
Entry-level card with low income requirement
Annual Fee
₹500
Waiver
Waived on annual spends of ₹35,000 or more in preceding year
Joining Fee
FREE
Zero joining fee (first-year free)
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
3.49% - 3.75%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹250) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹500
Nil
₹501-₹5,000
₹500
₹5,001-₹10,000
₹750
₹10,001-₹25,000
₹1,000
>₹25,000
₹1,200
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
1
Reward Pts
₹0.20
Point Value
0.00%
Cashback
Welcome Bonus
Earn 500 reward points on spends of ₹5,000 within 60 days of card issuance
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Movies, Departmental Stores, Grocery | — |
Point Value: 1 point = ₹0.20
|
Redemption Fee: ₹200 + GST per request
Fuel Savings
₹250/mo
Lost Card Cover
₹0
Add-On Card
Free
Movies
- •Earn 5X Reward Points (5 RP per ₹100) on movie ticket purchases (shared 1,000 points/cycle cap)
Dining
- •Earn 1 Reward Point per ₹100 on dining transactions with direct statement cashback redemption
Shopping
- •Earn 5X Reward Points (5 RP per ₹100 = 1.25% value) on Grocery and Departmental Store spends (capped at 1,000 points/cycle)
- •Earn 1 Reward Point per ₹100 spent on all other retail transactions (0.25% value)
- •Contactless tap-and-pay enabled for transactions up to ₹5,000
Travel
- •1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across all petrol pumps (max ₹250 per month)
- •International usage enabled on Visa/RuPay networks
Special Offers & Features
- •Available on RuPay network for linking to UPI apps (Google Pay, PhonePe, Paytm, BHIM)
- •Easy statement cashback: 1 Reward Point = ₹0.25 credited directly against outstanding bill
- •Up to 3 lifetime-free add-on cards for family members
EMI Options
- •Convert purchase of > ₹2,500/- on your card into Smart EMIs
- •Tenure: 6 to 48 months
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
Mobile Wallet Support
Google Pay
Apple Pay
Samsung Pay
76
out of 100
CardSahayak Score
"Apply Now" takes you to Bank of Baroda's official website.
Eligibility
Salaried
₹300,000/mo
Self-Employed
₹360,000/mo
Age
21-65 yrs
CIBIL
700+
Employment
Salaried, Self-Employed
Card Variant
Easy
Scores
Rewards
25/100
Fees
90/100
Benefits
20/100
Access
57/100
2 Active Offers
Deals & Offers
Exclusive offers available on BOBCARD EASY
Swiggy
Get 15% instant discount up to ₹100 on food delivery orders on Swiggy using BOBCARD with promo code BOBCARD100.
15%
Till 31 Dec 2026
BOBCARD100
dining
Discount
15% up to ₹100
Min Spend
₹499
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Add food items of ₹499+ on Swiggy app.
Step 2: Enter promo code BOBCARD100 on payment page.
Step 3: Pay using BOBCARD (Bank of Baroda Credit Card).
Step 2: Enter promo code BOBCARD100 on payment page.
Step 3: Pay using BOBCARD (Bank of Baroda Credit Card).
Terms & Conditions
Valid on minimum spend of ₹499. Maximum discount ₹100 per transaction. Valid twice per month per cardholder.
Use Code:
BOBCARD100
Visit Offer
Croma
Enjoy instant savings up to ₹3,000 on consumer electronics, smart TVs, and laptops at Croma using BOBCARD credit cards.
₹3,000
Till 31 Dec 2026
shopping
Discount
Up to ₹3,000 Off
Min Spend
₹15,000
Max Savings
₹3,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop for electronics at Croma stores or croma.com.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Settle payment using BOBCARD credit card.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Settle payment using BOBCARD credit card.
Terms & Conditions
Valid on minimum transaction of ₹15,000. Maximum discount ₹3,000. Valid on eligible credit cards.
❓ FAQ
Frequently Asked Questions
Everything you need to know about BOBCARD EASY
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹300,000/month min
- • Self-employed: ₹360,000/month min
- • CIBIL: 700+ recommended
The annual fee is ₹500.
The fee can be waived by Waived on annual spends of ₹35,000 or more in preceding year.
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.20.
Welcome bonus: Earn 500 reward points on spends of ₹5,000 within 60 days of card issuance on activation!
Redeem for flights, hotels, vouchers via Bank of Baroda rewards portal.
No complimentary lounge access. Consider a premium card for this benefit.
- • Instant: Pre-approved Bank of Baroda customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for BOBCARD EASY today and unlock amazing rewards and premium experiences.
Community Reviews
What Users Say
💬
No reviews yet for BOBCARD EASY.
Be the first to share your experience!
✍️
Share your experience
Sign in to write a review, share your approval data, and help others choose the right card.
Sign in with Google