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Bank of Baroda
Bank of Baroda Easy Credit Card
RuPay
Bank of Baroda Easy Credit Card
BOB's lifetime-free-if-you-spend entry card, with a shared 5X reward pool (capped at 2,000 points/month) across online shopping, dining and utility bills — annual fee is reversed on ₹35,000/year spend.
Rates and fees last verified 14 September 2026.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Online shopping5% (capped ₹400/monthly)
- Dining5% (capped ₹400/monthly)
- Utilities5% (capped ₹400/monthly)
Eligibility
- Employment: salaried, self-employed
Benefits
- 1% fuel surcharge waiver on transactions of ₹400–₹5,000, capped at ₹250 per billing cycle
- Complimentary personal accidental death cover
- Up to 3 lifetime-free add-on cards; EMI conversion on purchases above ₹2,500
Pros
- + No joining fee
- + Annual fee waived on modest ₹35,000/year spend
- + 5X points across three common everyday categories
Cons
- − 5X reward pool is shared and capped at 2,000 points/month combined
- − No lounge access
- − Eligibility income threshold not publicly disclosed
Applying takes you to Bank of Baroda's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.