BOBCARD Easy Credit Card
Fees
Joining Nil
Annual ₹500 + Taxes (first year free)
1st year freeReward Rate
5 reward points per ₹100 (1% at ₹0.20 a point) at department stores and on movies, up to 1,000 points a cycle; 1 point per ₹100 (0.2%) elsewhere
Welcome Bonus
500 reward points on spending ₹5,000 within 60 days
Lounge
No Lounge Access
Our Expert Take
Easy is an entry-level card that's easy to get and easy to keep free, with a ₹35,000 annual fee waiver. Rewards are thin, though: 0.2% on most spends and 1% only at department stores and movie halls, so it makes sense as a first card to build a credit history, not for earning.
Reward limits
Checked 18 Oct 2026 · Bank terms
-
5X points (department stores, movies)
Max 1,000 points (₹200) per statement cycle
Reached after about ₹20,000 of spend
No rewards on: Fuel, UPI (base points only) and the MCCs in BOBCARD's annexure
Where this card earns most
Paying directly in the app or site · 0.2% on other spends
Pros & Cons
Key Advantages
- Low income requirement (₹3 Lakh for salaried Bank of Baroda customers)
- No fee in the first year, and an easy ₹35,000 waiver after that
- Available as an FD-backed card
Limitations
- Very low rewards: 0.2% on most spends
- The 5X rate only covers department stores and movie halls
- Points are worth just ₹0.20 each
- No lounge access
Key Perks & Spending Milestones
1% fuel surcharge waiver on ₹400 to ₹5,000 (max ₹250 a cycle)
Up to 3 lifetime-free add-on cards
Smart EMI on purchases above ₹2,500
Spend milestone
500 bonus points on ₹5,000 spend within 60 days
Spend milestone
Annual fee waived on ₹35,000 spend in the previous card year
Fees & Charges
Joining fee
Nil
Annual fee
₹500 + Taxes (first year free) 1st year free
No joining or first-year fee for cards issued from 1 Sep 2026. From the second year, the ₹500 annual fee is waived on ₹35,000 spend in the previous card year.
Interest rate
3.75% per month (45% per annum)
Late payment fee
- Up to ₹500
- ₹100 (₹100 to ₹500); nil below ₹100
- ₹501 to ₹1,000
- ₹400
- ₹1,001 to ₹5,000
- ₹750
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹950
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
lost card liability
Zero liability once the loss is reported
Eligibility Criteria
salaried minimum income
₹3 Lakh (Bank of Baroda customers) or ₹3.6 Lakh net annual income
self employed ITR
₹3.6 Lakh (Bank of Baroda customers) or ₹4.8 Lakh net annual income
age
25 to 55 years
Credit score & income
Fair (700+)
Frequently Asked Questions
What does the BOBCARD Easy earn?
What is the BOBCARD Easy annual fee?
Who is the BOBCARD Easy for?
Compare BOBCARD Easy Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| BOBCARD Easy Credit Card This Card | ₹500 + Taxes (first year free) | 5 reward points per ₹100 (1% at ₹0.20 a point) at department... | No Lounge Access | 2.8/5 |
| YES Bank POP CLUB Credit Card | Free | 10 POPcoins per ₹100 online spends; 2 POPcoins per ₹100 offline... | No Lounge Access | 4.8/5 |
| RBL Bank ShopRite Credit Card | Free | 20 Reward Points per ₹100 spent on groceries (~5% return); 1... | No Lounge Access | 4.6/5 |
| Flipkart Axis Bank Credit Card | ₹500 + Taxes | 7.5% cashback on Myntra (capped ₹4,000/quarter); 5% on Flipkart &... | No Lounge Access (Discontinued Jun 2025) | 4.5/5 |