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
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
Minimum age : 21
Minimum ITR : 3 Lakhs
Minimum Salary : 25,000

BOB Easy Credit Card Welcome Benefits:


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


Cons of BOB Easy Credit Card


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.