BOB Easy Credit Card | Save Money on Daily Needs & Groceries

Bank of Baroda had launched a BOB Easy credit card for those customers who want to earn rewards on groceries, departmental store shopping, and movie tickets.

Top Bank of Baroda Credit Cards Here

This is a basic credit card that is powered by the Visa Platinum network. There are a few more features and benefits of this credit card which you will read in this post.

BoB Easy Credit Card
BoB Easy Credit Card

Read More: BOB Card Status

BOB Easy Credit Card Features

You can read about BoB easy credit card features in this section.

Cash on Card Repayment

  • This feature allows you to earn 0.5% of your credit card bill payment as cashback.
  • The cashback you earn will be adjusted in your next statement.

Joining and Annual Fee Waiver

Similarly, it also comes with a joining and annual fee waiver feature. The easy credit cardholder needs to spend 6,000 or more within the first 60 days to waive off their joining fees.

For an annual fee waiver, you have to spend a minimum of 35,000 or more within a year with your BOB Easy Credit Card.

5X Rewards

  • Earn rewards on your daily essential needs as it provides 5X rewards on making transactions at grocery and departmental stores.
  • Moreover, the same 5X rewards will be given on purchasing movie tickets.

Easy EMI Option

The Easy EMI Option is also available with this easy credit card that allows you to turn the big purchases into EMIs for a time period of 6 to 12 months. If your transaction exceeds 2500 rupees then you are eligible to use the easy EMI feature.

Fuel Surcharge Waiver

Similar to Bank of Baroda’s other credit card variants this also provides fuel surcharge waiver benefits to the cardholders. The fuel transaction amount should remain between 400 to 5000 rupees. However, a cardholder can save a maximum of INR 250 per month on fuel surcharge.

Multiple Redemption Options

The reward points earned through this Easy credit card can also be used as cashback and for other offers.

Read More: Bank of Baroda Credit Card Helpline Number

BOB Easy Credit Card Benefits

The Bob easy credit card benefits are described in the following section.

Zero Lost Card Liability

Easy credit card is also protected under lost card liability cover. In any of the circumstances, you lost your credit card then immediately report it to the Bank of Baroda. This way you have zero liability on the fraudulent transactions made with your credit card.

Free Add on Card

Easy credit cardholders can get up to 3 Add on cards for their parents, wife/ husband, and children above 18 years of age.

Insurance Cover

Similarly, this easy credit card also provides financial protection to the family members of the cardholders. Once you get this credit card you are protected with a personal accident death cover.

Interest-Free Credit Period

The Easy credit card also comes with an interest-free credit card period of 50 days.

Revolving Credit Facility

The cardholders can also use the revolving credit facility by paying the minimum due amount.

Read More: Bank of Baroda Customer Care

BOB Easy Card Eligibility

The eligibility criteria details for BOB easy card are mentioned in this section.

1. ResidentIndia
2. Credit HistoryGood past credit history
3. AgeBetween 21 to 65 years

BOB Easy Card Documentation

Each credit card application required proper documentation for approval. The same documentation information for BOB easy card is described in this section.

Document TypeDocument Name
1. Mandatory DocumentPan Card
2. PhotographColor photo of the applicant
3. Photo Id ProofPan Card, Aadhar Card, Voter ID, Driving License
4. Address ProofAadhar Card, Electricity Bill, Rent Agreement
5. Income ProofLatest Salary Slips and IT return

BOB Easy Credit Card Apply

The Bank of Baroda has provided a similar online application form as they have provided for the BOB Premier credit card. On this page, you have to mention your personal information, pan card number, and mobile number.

BOB Easy Credit Card Fees and Charges

There are multiple charges levied on BoB easy card. These include annual and joining fees, etc. We have published the details of fees and charges below.

1. Fee for the first yearINR 500
2. Annual FeeINR 500
3. Cash Withdrawal Charges (Domestic Atm)2.5% or a minimum of 300 rupees on transacted amount
4. Cash Withdrawal Charges (International Atm)3% or a minimum of 300 rupees on transacted amount
5. Card Replacement FeesINR 100
6. Forex Currency Markup Charges3.5%
7. Finance Charges3.25% pm or 39% per annum
8. Late Payment ChargesBetween Nil to INR 750


Those who wish to earn rewards on groceries, departmental stores, and movie tickets will find the BOB Easy credit card suitable for themselves. Moreover, this credit card also provides 0.5% of cashback on credit card bill payments.

Furthermore, another reason to go for this credit card is it comes with a fee waiver option. Ideally, this credit card is suitable for only basic usage and needs.

Are you looking to build credit with a card? Rather go to the Destiny MasterCard to build better credit.

Suggested Read

1. BOB Eterna Credit Card2. BOB Select Credit Card
3. BOB Premier Credit Card4. BOB ICAI Exclusive Credit Card
5. BOB ICSI Diamond Credit Card6. BOB CMA ONE Credit Card
7. BOB Prime Credit Card


What is the limit of Bob Easy Credit Card?

Generally, the credit limit offered by Bank of Baroda for the BOB Easy credit card varies from customer to customer.

Does BOB Easy Credit Card come with a fee waiver option?

Yes, BoB easy credit card comes with joining and annual fee waiver option. Within 60 days if you spend 6,000 rupees on this credit card your joining fee will be waived off.

Similarly, an yearly spend of 35,000 rupees or more will result in an annual fee waiver.

What is the monthly capping on 5X rewards?

A cardholder can earn a maximum of 1K reward points in the 5X rewards category.

What is the normal reward rate of this credit card?

Except for groceries, departmental stores, and movies spend category one can earn one reward point for every 100 rupees spent on other categories.

Does it provide insurance cover like other BOB credit cards?

Yes, similar to other Bank of Baroda credit cards it also provides cardholders personal accident death cover protection.

Disclaimer: All the information published here are for informational and educational purposes only. Moreover, all these information are researched from official sources. However, we will not warranty the information to be accurate and completed. Do not share your bank details or personal details in the comment box. For more queries visit the official website.

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