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BOB Easy Credit Card
Annual Fees
500
Add to Compare
Percentage Savings range
0.25% - 1.25%
Use this for spend on Departmental stores and Movie
Reward Type
Reward Points
Welcome Benefits
Not Available *
Minimum Income
3 Lakhs
Lounge Access
Not Available
Rewards
Core Rewards :
- 5% RP Reward Points (5X) for every Rs. 100 spent on Departmental stores, Movie spends
- 1% RP Reward Point per Rs. 100
Milestone Rewards :
- Monthly : N/A
- Quaterly : N/A
- Annual : N/A
No rewards on spends : Fuel
Rewards Redemption
How to Redeem :
- Cashback in form of Statement Credit
Redemption options : Statement Cash
Redemption fee : Nil
Transfer partners : N/A
Complementary Benefits
Lounge access :
- Domestic Lounge : N/A
- International Lounge : N/A
- Railway Lounge : N/A
Insurance Benefits :
- Lost card liability : N/A
- Personal accidental insurance : N/A
- Air accidental insurance : N/A
Other Benefits :
- Lounge Membership : N/A
- Memberships Available With Cards : N/A
- Spa Benefits : N/A
Golf Benefits :
- Lessons : N/A
- Games : N/A
Fees
Joining fees : 500
Annual fees : 500
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.50%
Fee reversal criteria : Joining Fees- Spend 6000 within 60 days; Annual Fees- Spend 35,000 in a year
Eligibility
Minimum age : 21
Minimum ITR : 3 Lakhs
Minimum Salary : 25,000
BOB Easy Credit Card Welcome Benefits:
N/A
BOB Easy Credit Card Reward Points/Cashback:
- Movie & Dining: Not applicable.
- Rewards Rate: Earn 5X reward points (5%) on select categories like departmental stores and movies, 1% on other categories, and enjoy 0.5% cashback on card bill payments.
- Reward Redemption: Redeem accumulated points for cashback and other exciting options, with 1 point equal to Re. 0.25.
- Travel: Not applicable.
- Golf: Not applicable.
- Domestic Lounge Access: Not available.
- International Lounge Access: Not available.
- Insurance Benefits: Not included.
- Zero Liability Protection: Enjoy protection against fraudulent transactions by notifying the bank within 24 hours of card loss or suspicious activity.
BOB Easy Credit Card Reward Point Redemption:
- Redemption Options: Redeem reward points for cashback and more.
- Value: Each Reward Point is worth Rs. 0.25.
- How to Redeem: Convert points into statement credit at no additional cost.
- Transfer Partners: Not applicable. Enjoy direct redemption benefits with this card.
Pros of BOB Easy Credit Card
N/A
Cons of BOB Easy Credit Card
N/A
BOB Easy Credit Card Benefits:
- Insurance Benefits: Accidental death cover for the primary cardholder.
- Zero Liability Protection: Enjoy protection against unauthorized transactions by reporting card loss or fraud within 24 hours.
- Easy EMIs: Convert purchases over Rs. 2,500 into convenient 6 or 12-month EMIs for easier payment management.
BOB Easy Credit Card Charges and Fee:
- Spend-Based Waiver: Joining fee waived on spending Rs. 6,000 within 60 days, and annual fee waived on spending Rs. 35,000 in a year.
- Rewards Redemption Fee: Nil
- Foreign Currency Markup: 3.50% per month.
- Interest Rates: 3.25% per month (39% per annum).
- Fuel Surcharge: 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5,000 at all Indian petrol pumps, with a maximum cap of Rs. 250 per statement cycle.
- Cash Advance Charges: 2.5% of the withdrawn amount or Rs. 300 at domestic ATMs, and 3% of the withdrawn amount or Rs. 300 at international ATMs.
- Add-on Card Fee: No fee for add-on cards.
Frequently Asked Questions:
- Q: How can I apply for the BOB Easy Credit Card?
A: You can apply for the BOB Easy Credit Card online through the BOB Credit Card website or by visiting a Bank of Baroda branch. - Q: What is the eligibility criteria for this card?
A: Eligibility criteria typically include a minimum age, income requirement, and credit score. Check with Bank of Baroda for the specific criteria. - Q: Can I get my annual fee waived?
A: Yes, the annual fee can be waived on annual spends of Rs. 35,000 or more. - Q: How do I redeem reward points?
A: You can redeem reward points for cashback. There is no fee for redeeming your points.
About Us
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