BOBCARD
BOBCARD EASY Credit Card
Your rating
Community rating
Joining Fee
₹500
Annual Fee
₹500
Reward Rate
1% – 5%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1% – 5%
Earn rate
1
Points / ₹100
₹0.2
Per point
₹200
Monthly cap
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- fuel transactions earn no reward points
- select MCCs not eligible for rewards
- 5X rewards capped at 1000 points per statement cycle
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- 500 reward points welcome bonus on ₹5000 spend in 60 days
- 5X rewards on departmental stores
- 5X rewards on movies
- 1 reward point per ₹100 on other categories
- Reward points redeemable as cashback
- Fuel surcharge waiver
- Upto 3 lifetime free add-on cards
- Contactless payments
- Low reward rate (1%–2%)
- No lounge access
- Reward rate significantly lower than mid-tier BOB cards
Who is this card for?
Bank of Baroda customers and first-time credit card applicants looking for a basic, low-cost rewards card. Good for building credit history and earning minimal rewards on daily spends.
Quick Links
Data last updated 24 Mar 2026