BOBCARDBOBCARD EASY Credit Card
The BOBCARD Easy Credit Card is Bank of Baroda's entry-level card with zero joining fee and a ₹399 annual fee (waived on ₹50,000 spend).
Top Category Performance
Beginner & Zero Fee (85/100)
Joining Fee
₹500
Annual Fee
₹500
Reward Rate (%)
1 – 5
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
BOBCARD EASY Credit Card Benefits
BOBCARD EASY Credit Card 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
BOBCARD EASY Credit Card 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.
BOBCARD EASY Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹2,917/mo (₹35,004/yr), your ₹500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
BOBCARD EASY Credit Card 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 6 Aug 2026
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Calculate your exact earnings with BOBCARD EASY Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.