BOBCARD Easy (RuPay)
The standard entry card across Bank of Baroda branches, BOBCARD Easy on the RuPay network is built for daily household procurement. It features 5X points on groceries and department stores, links to mobile UPI apps for merchant QR code scanning, and carries an accessible renewal fee waiver threshold of just ₹35,000.
Why We Recommend The BOBCARD Easy (RuPay)
The quintessential entry-level credit card from BOBCARD, combining minimal eligibility barriers with RuPay UPI compatibility.
First-time cardholders, college graduates, and daily neighborhood UPI shoppers.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BOBCARD Easy (RuPay)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BOBCARD Easy (RuPay)
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Easy (RuPay)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BOBCARD Easy (RuPay) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
RuPay enabled for linking with UPI apps (BHIM, PhonePe, Paytm, Google Pay).
Extremely low renewal threshold of ₹35,000.
Zero fuel surcharge on transactions between ₹400 and ₹5,000.
Pros & Cons of the BOBCARD Easy (RuPay)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- High approval rates for first-time credit applicants and salary account holders.
- Works seamlessly for neighborhood QR code scanning via RuPay UPI.
- Frequently converted to Lifetime Free during bank promotional drives.
Things to Consider (Cons)
- Low reward yield on non-promotional categories.
- No airport lounge privileges.
- Accelerated rewards capped at 1,000 points per month.
Who Can Apply for the BOBCARD Easy (RuPay)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
680+ Score Recommended
Applicants with a credit score of 680 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Easy (RuPay)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the BOBCARD Easy (RuPay)?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.