Bank of Baroda Easy Credit Card

Bank of Baroda Easy Credit Card is one of the basic credit cards offered by Bank of Baroda. This Bank of Baroda credit card is suitable for people with minimal income as it provides accelerated rewards and cashback offers on regular spending categories.

By achieving milestones set by BOB, cardholders can avail joining fee reversal and annual fee waiver facility. Listed below are all the features and benefits offered by BOB Easy Credit Card in detail. Don’t forget to check various fees and charges associated with the card usage, eligibility to apply for credit card, documents required and the process to apply for the card.

Features and Benefits of BOB Easy Credit Card

• Earn 1 reward point on every Rs.100 spent on the card
• Five times more rewards on every Rs.100 spent on grocery, departmental stores and movies
• Reward points can be redeemed for cash back and other exciting gifts and vouchers
• Pay your credit card bill on time and get 0.5% of the bill amount as cash back in the next statement
• Annual fee waiver if the spends in first 60 days of availing the credit card is Rs.6,000 and Rs.35,000 in a year.
• 1% fuel surcharge waiver valid at all petrol stations across India for a minimum transaction amount of Rs.400 and the maximum amount of Rs.5,000
• Convert purchases above Rs.2,500 into easy monthly instalments (EMIs) and repay it in 6 or 12-month tenures.
• Up to three add-on credit cards can be availed for primary cardholder’s family members including spouse, parents, sibling and kids above 18 years of age
• Free personal accidental death insurance
• Zero liability on lost card provided the loss is reported within 24 hours of incident occurrence
• Up to 50 days of interest-free period
• Revolving credit facility available on payment of the minimum amount due

Fees And Charges Associated With Bank Of Baroda Easy Credit Card

Eligibility to Apply for BOB Easy Credit Card

• For private employees, gross income should be Rs.3 lakh or above per year
• For companies and private firms, paid-up capital should be Rs.25 lakh or above

Documents Required To Apply For BOB Easy Credit Card

• For private employees – personal account with BOB, latest form 16 or ITR copy
• For self-employed – Last three years’ audited balance sheet, profit and loss account
• All the applicants should submit a photograph, a copy of identity proof and address proof

Apply for Bank of Baroda Easy Credit Card

To apply for BOB Easy Credit Card, customers need to download the application form from the BOB official website, fill it with required details, attach the supporting documents and submit it at the nearest BOB bank branch office.

BOB Easy Credit Card application is available in the webpage https://www.bobfinancial.com/documents/Application%20form_Final.pdf.

Fill all the details accurately, sign in the appropriate boxes, paste a recent photograph, attach the required documents and submit it at any of your nearest BOB bank branch offices.

Alternatively, you can also send an SMS to apply for BOB Select Credit Card from your registered number in the below mentioned format.

'Apply <your city>' to 9223990624

The bank will make you a call back and will take you through the application process.

Bank of Baroda Easy Credit Card FAQs

1. Are there any finance charges with the card?

   Yes, the finance charge with this card is 0.25% per month or 39%

2. What is the credit limit for the credit card?

   The Credit Limit is the maximum amount you can spend using the credit card.

3. Can I get a Bank of Baroda Easy Credit Card if I do not pay any taxes?

   Yes, you can get the credit card even if you do not pay tax. However, you have to meet the eligibility criteria that are set by the bank to get the credit card.

4. Does the add-on card have a separate credit limit?

   No, the cardholder of the add-on will share the same credit limit assigned to the primary cardholder.

5. What documents do I need to submit as address proof?

   Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill (not more than 3 months old).