BOBCARD Easy
The foundational entry card across Bank of Baroda branches, BOBCARD Easy is built for daily household shopping. It offers 5X reward points on departmental stores and movies, links to mobile UPI apps on the RuPay variant, and carries a low annual renewal fee waiver threshold of ₹35,000.
Why We Recommend The BOBCARD Easy
The quintessential entry-level credit card from BOBCARD, combining minimal fee waiver barriers with RuPay UPI compatibility.
First-time cardholders and everyday neighborhood shoppers wanting a low-commitment credit card.
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
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD Easy
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.20
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD Easy
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Easy
Transparent assessment of travel and airport lounge conditions bundled with this card tier.
Not available
This card focuses rewards on retail, shopping, and everyday cashback rather than travel lounges. Paid access is available at standard airport counter rates.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes BOBCARD Easy Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
Zero joining fee and a low annual renewal waiver threshold of ₹35,000.
RuPay variant supports linking with UPI apps (BHIM, PhonePe, Paytm, Google Pay) for merchant QR payments.
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250 per statement cycle).
Honest Pros & Cons of the BOBCARD Easy
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- High approval rates for first-time credit applicants and Bank of Baroda account holders.
- Zero joining fee and easily achievable ₹35,000 annual spend waiver.
- Works seamlessly for neighborhood QR code scanning on the RuPay variant.
Things to Consider (Cons)
- Point redemption value is ₹0.20 per RP (lower than ₹0.25 on Premier/Eterna), yielding a 0.20% base rate.
- No airport lounge privileges.
- Accelerated 5X rewards are capped at 1,000 points per statement cycle.
Who Can Apply for the BOBCARD Easy?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
680+ Score Recommended
Applicants with a score above 680 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Easy
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD Easy is ₹500 + GST.
You can have this fee completely waived by meeting the annual spend milestone: Joining fee ₹0 (w.e.f. 1st Sep 2026); Annual fee waived on annual spends of ₹35,000 or more. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD Easy features: 5X Reward Points (5 RPs per ₹100 = 1.00% return) on departmental stores and movies.
Base reward: 1 Reward Point per ₹100 spent (0.20% return).
Accelerated reward: 5 Reward Points per ₹100 spent on departmental stores and movie bookings (capped at 1,000 RPs per statement cycle).
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
Explore Similar Cards from BOBCARD Limited (Bank of Baroda)
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BOBCARD CMA One
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BOBCARD Corporate
An institutional corporate card created for companies and partnerships to govern employee travel, lodging, and business expenses. Issued with zero joining fee and a ₹1,000 annual fee (waived on ₹1,00,000 annual spend), it features fourth-line company name embossing, categorized employee spend statements, and 8 domestic airport lounge visits annually.
Ready to Apply for the BOBCARD Easy?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.