Bank of Baroda Easy Credit Card

This card is built to maximize your rewards on the purchases you make most often.

• 5X Rewards on Essentials: Earn five times the reward points every time you use your card Earn 5 Reward Points per Rs.100 spent on departmental store purchases and movie ticket bookings, up to a cap of 1,000 Reward Points on these categories per statement cycle.
• Standard Rewards: For all other spending categories, you will earn 1 reward point for every ₹100 spent.
• Easy Redemption: Your accumulated reward points can be easily redeemed for cashback credited directly to your account or for a variety of other exciting gifts and vouchers. You can redeem 1 Reward Point for Rs.0.20 when you choose the cashback option.

Smart Savings and Waivers

The BOB Easy Credit Card helps you save money through direct cashback and waivers on common fees.

• Prompt Payment Bonus: Be rewarded for your good financial habits. Get 0.5% of your bill amount back as cashback in your next statement simply by paying your credit card bill on time.
• Annual Fee Waiver: Enjoy the card's benefits without the cost. The first-year fee has been waived entirely with effect from 1 September 2026, and from the second year onwards the Rs.500 annual fee is waived if you spend Rs.35,000 in the preceding card anniversary year.
• Fuel Surcharge Waiver: Receive a 1% fuel surcharge waiver at all petrol stations across India for transactions between ₹400 and ₹5,000. This waiver is capped at Rs.250 per statement cycle.

Financial Flexibility and Security

Manage your finances with confidence, thanks to a suite of flexible and secure features.

• Easy EMI Conversion: Convert any large purchase over ₹2,500 into manageable Easy Monthly Instalments (EMIs) with repayment tenures 6 to 48 months. A processing fee of 2% of the transaction amount, subject to a minimum of Rs.100, applies when you convert a purchase into EMI.
• Share Benefits with Family: Get up to three complimentary add-on cards for your family members (spouse, parents, siblings, or children above 18).
• Zero Liability on Lost Card: In case your card is lost or stolen, you have zero liability for any fraudulent transactions, provided you report the loss within 24 hours.
  
• Interest-Free Period: Enjoy up to 50 days of interest-free credit from the date of your purchase, giving you ample time to manage your payments.

Fees And Charges Associated With Bank Of Baroda Easy Credit Card

Note: Interest rates updated on 15 September 2026. 

Eligibility to Apply for BOB Easy Credit Card

• Applicants must be Indian residents aged between 25 and 55 years, and salaried applicants need a minimum net annual income of Rs.3 lakh if they hold a Bank of Baroda account, or Rs.3.6 lakh otherwise.
• Self-employed applicants need a minimum net annual income of Rs.3.6 lakh if they hold a Bank of Baroda account, or Rs.4.8 lakh otherwise.

Documents Required To Apply For BOB Easy Credit Card

• For private employees - A bank statement showing salary credit for the last two months (salary slips, if submitted, must be accompanied by this bank statement) 
• For self-employed - A bank statement showing business transactions for the last three months
• 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 the BOB Easy Credit Card, visit the official BOBCARD website, fill in the online application form, e-sign it using your Aadhaar details, and complete your identity verification through a Video KYC session.

BOB Easy Credit Card application is available in the webpage: on the official BOBCARD website.

Keep a recent photograph, your PAN card, and your address and income proof ready, since these are uploaded digitally as part of the online application.

Alternatively, you can also send an SMS to apply for BOB Easy Credit Card from your registered number in the below mentioned format. 'Apply' to 9223990624

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

Summary

The Bank of Baroda Easy Credit Card is an entry-level rewards card that offers 5X points on departmental store and movie spends, a joining fee waiver, and an annual fee waiver on milestone spends. It suits salaried and self-employed applicants who want everyday shopping benefits at a low cost. You can check your eligibility and apply for the Bank of Baroda Easy Credit Card through the official BOBCARD website. 

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