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Last updated: 30 May 2026
HomeCredit CardsBank of BarodaBOBCARD EASY Credit Card
Bank of Baroda

BOBCARD EASY Credit Card

Reward Points Entry Level
4.0/5.0CardwiseHQ Review
1st Year Fee: ₹500(Joining fee waived on ₹6,000 spends in first 60 days. Annual fee waived on ₹35,000 annual spends. Limited period lifetime free card offer available.)
Primary Reward
5 Reward Points per ₹100 spent on Departmental Stores & Movies (capped at 1000 RP/cycle)
1st Year Fee
₹500
Fee Waiver
Joining fee waived on ₹6,000 spends in first 60 days. Annual fee waived on ₹35,000 annual spends. Limited period lifetime free card offer available.
4.0/5
Very Good
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

A credit card for everyday shopping rewards, designed to make your everyday shopping EASY on your pocket.

Fees & Charges

BOBCARD EASY Credit Card · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 500
Annual / Renewal Fee₹ 500
Fee Waiver ConditionJoining fee waived on ₹6,000 spends in first 60 days. Annual fee waived on ₹35,000 annual spends. Limited period lifetime free card offer available.

Rewards & Cashback

BOBCARD EASY Credit Card · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate5 Reward Points per ₹100 spent on Departmental Stores & Movies (capped at 1000 RP/cycle)
Secondary Reward Rate1 Reward Point per ₹100 spent on all other categories
Max Cashback / Rewards (Monthly)1000 Reward Points on 5X categories per statement cycle
Welcome / Joining Bonus500 reward points on spends of ₹5,000 within 60 days of card issuance
Milestone BenefitsJoining fee waiver on ₹6,000 spends in first 60 days; Annual fee waiver on ₹35,000 annual spends.
Reward ExclusionsFuel transactions, select MCCs

Features & Benefits

BOBCARD EASY Credit Card · Detailed features & benefits

ParticularsDetails
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle)
Insurance CoverageZero Liability on lost card
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

BOBCARD EASY Credit Card · Detailed eligibility

ParticularsDetails
Minimum Age25
Maximum Age55
Card VariantEntry Level
Best ForEveryday Shoppers, Movie Enthusiasts, Departmental Store Spends

Pros & Cons

Advantages
  • 5X Reward Points on Departmental Stores and Movies (capped)
  • Affordable joining and annual fee (waivable)
  • Welcome bonus of 500 reward points
  • 1% Fuel Surcharge Waiver
  • Smart EMI option for purchases above ₹2,500
  • Lifetime free add-on cards for family members
  • Zero liability on lost card and contactless payment facility
Disadvantages
  • 5X rewards are capped at 1000 Reward Points per statement cycle for specific categories
  • Reward points are not earned on fuel transactions
  • Eligibility criteria includes a minimum age of 25 years

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.0/5
Very Good
Overall Editor Rating
Best For: Everyday Shoppers, Movie Enthusiasts, Departmental Store Spends

BOBCARD EASY Credit Card by Bank of Baroda is rated 4.0/5 by our editorial team. A credit card for everyday shopping rewards, designed to make your everyday shopping EASY on your pocket..

About BOBCARD EASY Credit Card

The BOBCARD EASY Credit Card is tailored for everyday-value shoppers, offering accelerated reward points on common spending categories. Cardholders can earn 5X reward points on spends at departmental stores and movies, with a cap, and 1 reward point per ₹100 on all other categories. These accumulated reward points can be redeemed as cashback. The card comes with a welcome bonus of 500 reward points on initial spends and provides a 1% fuel surcharge waiver. It also offers the convenience of converting large purchases into Smart EMIs and provides up to 3 lifetime free add-on cards. With an affordable joining and annual fee, which can be waived based on spend milestones, it positions itself as an accessible option for managing daily expenses.

Quick Facts

Joining Fee₹500
Annual Fee₹500
Card VariantEntry Level
Lounge Access✕ No
Fuel Waiver✓ Yes
Contactless✓ Yes