Bank of Baroda Easy Credit Card
Updated on September 1, 2026
🎖️Reward Rate
5 Reward Points (5X) per ₹100 spent on Groceries, Departmental Stores, and Movie tickets (capped at 1,000 points/month)
Overview
Apply for BOBCARD Easy Credit Card and earn cashback, reward points & exclusive offers. Enjoy low charges and a simple, hassle-free way to manage daily expenses.
Rewards
Reward Type
Reward Points
Reward Rate
- • 5 Reward Points (5X) per ₹100 spent on Groceries, Departmental Stores, and Movie tickets (capped at 1,000 points/month)
- • 1 Reward Point per ₹100 spent on all other regular retail categories
Welcome Benefit
500 bonus reward points on spending ₹500 within 30 days of card issuance.
Milestone Benefit
100% annual fee waiver of ₹500 on achieving ₹35,000 annual retail spends
Redemption
- • Redeem as statement cashback credit (1 Point = ₹0.25)
- • Redeem against product catalog and gift vouchers on BOBCARD reward portal
Benefits
- 1% Fuel Surcharge Waiver: 1% fuel surcharge waiver at all petrol pumps in India on spends between ₹400 and ₹5,000.
Things to Know Before you apply
Bank of Baroda Easy Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried or Self-Employed with minimum annual income of ₹2,40,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹500) |
Fee waiver: Spend ₹35,000 or more in the preceding billing year for 100% annual renewal fee waiver.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The BOB Easy Credit Card – Benefits, Offers, Charges, Cashback, Reward Points – BOBCARD issued by Bank of Baroda is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • 1 Reward Point per ₹100 spent on all other categories*
- • Redeem reward points for cashback Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20
- • Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
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- • 500 bonus reward points on spending ₹500 within 30 days of card issuance.
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • Complimentary welcome voucher worth ₹500 from premium retail partners upon completion of first transaction within 30 days.
- • Qualification Criteria: First card swipe within 30 days of issuance
- • Fulfillment Timeline: Dispatched via SMS within 45 days
- • 5 Reward Points (5X) per ₹100 spent on Groceries, Departmental Stores, and Movie tickets (capped at 1,000 points/month)
- • 1 Reward Point per ₹100 spent on all other regular retail categories
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Accelerated Rewards: Earn 6 Reward Points per ₹100 spent on International purchases (4X Accelerated Earning)
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government payments
- • 1 Reward Point per ₹100 spent on all other categories*
- • Redeem reward points for cashback Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20
- • Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions