BOBCARD
Bank of Baroda Easy Credit Card
Best for rewards
₹500/yr annual fee · 2x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹500/yr
Reward rate
2x
Min. income
₹2,50,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹2.50 lakh/yr · CIBIL 650+
Reward cap
5X Rewards capped at 1,000 Reward Points per statement cycle on the accelerated categories
Welcome benefit
500 bonus Reward Points on spends of ₹5,000+ within 60 days of card issuance (welcome benefit); spend-based annual fee…
Who is this for
- Rewards optimiser
What we like
- 5X reward points on departmental stores and movies
- Fuel surcharge waiver
Watch out for
- ₹750 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | ₹500 annual fee waived on ₹35,000 spend in the anniversary year |
| Renewal fee | ₹500 | Waived on annual spends >= Rs 1,00,000 |
| Forex markup | Not published | Not waivable |
| Late payment | ₹750 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between Rs 400 and Rs 4,000 (max Rs 200/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 5 Reward Points per ₹100 on departmental stores and movies (5X); 1 Reward Point per ₹100 on other categories | 5X Rewards capped at 1,000 Reward Points per statement cycle on the accelerated categories | 1 Reward Point = ₹0.25 (cashback redemption) |
Benefits
-
Domestic lounge access
Not advertised on the Easy page (entry-level card; no lounge)
-
International lounge access Highlight
None
-
Milestone benefits Highlight
500 bonus Reward Points on spends of ₹5,000+ within 60 days of card issuance (welcome benefit); spend-based annual fee waiver
-
Fuel surcharge waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000; maximum ₹250 per statement cycle. Note: no Reward Points earned on fuel.
Eligibility
- Age
- 25–55 years
- Min. income
- ₹2,50,000
- Min. credit score
- 650+
- Employment
- Salaried, self-employed
- Documents
- PAN Card, Aadhaar (both sides), recent passport-size photograph, bank statement reflecting salary credit for last 2 months (salaried) / ITR (self-employed)
Bank of Baroda Easy Credit Card is a VISA credit card from Bank of Baroda. It is best suited for rewards.
Fees and rewards
- Annual fee: ₹500
- Joining fee: ₹500
- Rewards: 2 reward points per ₹100
Eligibility
PAN Card, Aadhaar (both sides), recent passport-size photograph, bank statement reflecting salary credit for last 2 months (salaried) / ITR (self-employed)
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. Medium-confidence record — verify with the issuer before applying. Status: active.
Apply for Bank of Baroda Easy Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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