All cards / Bank of Baroda
Bank of Baroda Easy Credit Card
BOBCARD's entry card. From 1 September 2026 it is no longer lifetime free: the first year costs nothing, then a ₹500 annual fee applies, waived if you spend ₹35,000 in the previous card year. It earns 5 points per ₹100 (about 1%) on departmental stores and movies, capped at 1,000 bonus points a cycle, and 1 point per ₹100 (0.2%) elsewhere, with points worth ₹0.20 each.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
0.2%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.2% base rate
- Domestic lounge access: None
- International lounge access: None
Benefits by category
- 🛒 Groceries
1% reward rate (capped ₹200/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle (no reward points on fuel)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 25–55
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹35,000
- Foreign currency markup: 3.5%
- Interest rate: 30%–42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- 500 reward points on ₹5,000 spend within 60 days of card issuance
- 5 points per ₹100 (5X) on departmental stores and movies, capped at 1,000 points per statement cycle; 1 point per ₹100 elsewhere; 1 point = ₹0.20 as cashback
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle (no reward points on fuel)
- Up to 3 lifetime-free add-on cards; Smart EMI on purchases above ₹2,500
Pros
- + No joining fee and a free first year
- + Annual fee waived on a modest ₹35,000 a year of spend
- + 5X points on departmental-store and movie spend
Cons
- − No longer lifetime free: ₹500 a year from the second year unless you hit the spend target
- − Low 0.2% base rate, and the 5X pool is capped at 1,000 points a cycle
- − No lounge access