Bank of Baroda Easy Credit Card

The Bank of Baroda (BOBCARD) Easy Credit Card is a simple rewards card mainly kept for first-time credit users and regular daily spending. It gives extra reward points on common categories like groceries and movie tickets, and the annual fee is low and normally easy to waive with normal usage. If someone already has a Bank of Baroda account and wants a small PSU bank card, this works like a practical add-on.

The card is available on Visa, Mastercard, and RuPay networks. As per the JCB Global Post, A big update came on 29 November 2021 when BOB Financial tied up with NPCI and introduced the Easy variant on the RuPay platform.

Since the RuPay version can be linked to UPI, it becomes useful for daily kirana shop payments and small QR transactions. You also earn reward points on merchant UPI payments, similar to normal swipes. But one thing — UPI spends usually doesn’t count for special bonus rewards or joining benefits, but you will earn only regular base reward points. It does not give rewards on regular UPI and friends OR Family. It typically charges an annual fee of ₹500 + GST.

BOB Easy Credit Card Reward Points Benefits

As per its name, Easy. The credit card follows a simple reward system. No confusing multipliers or rotating categories, mostly for daily life expenses only. The rewards categories –

1. 5X Accelerated Rewards (5 points per ₹100) on:

• Groceries (kirana OR supermarket)
• Departmental stores
• Movie tickets

Limit rule: Maximum 1,000 reward points per statement cycle. After crossing this, spending continues, but earns only a normal rate.

2. Standard Rewards

• 1 reward point per ₹100 on all other eligible spending like dining, shopping, fuel, etc.

3. Travel Bonus (SmartDeal portal)

• You can earn extra points when booking through the BOBCARD SmartDeal portal:
• Hotels booking: 10 points per ₹100
• Flight booking: 4 points per ₹100

4. UPI Transactions (RuPay)

• Earn base reward: 1 point per ₹100 via merchant QR payments
• But UPI spends don’t count for the 5X bonus or welcome benefits.

5. Bill Payment Benefit

• Some variants give about 0.5% value benefit on timely bill payment.

How to Redeem Easy Card Points (Mobile App-Based)

Below is the actual flow most users follow on the phone. Hardly takes 2–3 minutes once you know where the option sits.

1. Open the BOBCARD mobile app and log in using MPIN or OTP.
2. On the home screen, tap your Easy Credit Card tile (you will see outstanding and limit).
3. Scroll slightly down → open “Rewards OR My Reward Points” section.
4. The app will show the total available points and the expiry date.
5. Tap Redeem Now.
6. Choose Statement Cashback (this is the best option, the amount reduces your bill).
7. Select points you want to redeem (minimum 500 points required).
8. Confirm with OTP → within 1–2 days adjustment appears in the next statement.

Normally, no call or branch visit is needed. Everything happens inside the app.

Redemption Rules (Important to Know)

• Minimum redemption: 500 points (₹100)
• Point value: 1 point = ₹0.20
• Credit comes in the next billing statement (not instant UPI style)
• Points expire after 2 years, so don’t keep collecting for too long
• Cashback redemption reduces bill payable, not bank balance
• Once redeemed, points cannot be reversed back

Simple understanding: it is not wallet money — it only adjusts your credit card bill.

Real Example (Rahul – How It Looks in Real Life)

Rahul is a salaried person using the BOB Easy Credit Card mainly for house expenses and small daily payments.

Reward Value: 1,050 × ₹0.20 = ₹210

What Rahul Actually Did

• After around 2 months, his points crossed 1,000
• He opened the BOBCARD mobile app
• Redeemed for statement cashback
• Next bill automatically reduced by ₹210

What Rahul Learned (Practical Tips)

• Best rewards come only on groceries and movies
• Spending beyond ~₹20,000 in those categories gives much lower returns
• Redeeming every 2–3 months is better (before expiry)
• Cashback reduces the bill, not the bank account balance

So basically, Rahul now uses this card only for monthly household shopping and keeps another card for big purchases.

What are the Additional Features & Benefits

After reward points, this card still gives some useful banking-type facilities. Not like a premium lifestyle, but practical daily-use benefits which actually help save a little money.

1. Welcome Benefit

If you spend ₹5,000 within the first 60 days after card issue, you receive 500 reward points as a joining bonus. However, recently, BOB giving this card as an LTF, so the welcome benefit may be limited.

2. Cost-Saving Benefits

• Fuel Surcharge Waiver – You can get a waiver of around 1% fuel surcharge at petrol pumps for ₹400–₹5,000 transactions. Maximum benefit ₹250 per billing cycle.
• Annual Fee Reversal – Annual fee ₹500, but if yearly spend crosses about ₹35,000, the bank reverses your annual fee with GST. So normal usage means you rarely pay the fee.
• Interest-Free Credit Period – Up to 50 days interest-free if the full bill is paid on time. Basically, you can buy now and pay next month without interest.

3. Financial Flexibility

• Add-on Cards – You will get up to 3 lifetime free add-on cards for family members (18+). They use the same limit, but no extra fee.
• Smart EMI Conversion – Your purchases for ₹2,500 or above can be converted into EMI. Tenure usually 6–36 months, helpful for mobile or appliance purchases.
• Cash on Mobile Facility – You can transfer money from your credit limit directly to your Bank of Baroda savings account as a small loan.

4. Security & Others

• Zero Liability Protection – If your card is lost and you inform customer care quickly, fraudulent transactions after reporting are not your responsibility.
• Contactless Tap-and-Pay – NFC enabled — you can tap and pay up to ₹5,000 without entering PIN on supported machines.
• Loan Facility – You can get the benefit of a loan against your credit limit and have the funds transferred directly to your Bank of Baroda savings account.

Easy BOBCard — Eligibility, Salary & Credit Limit

For a salaried person, this card is not very strict. The bank mainly wants to see that you have a steady job and you are capable of paying the bill regularly. If your salary is coming properly in bank and no past default, approval usually happens.

Salaried Eligibility

• Age: 21 to 60 years
• Job stability: Around 1 year of working history is preferred, and at least 6 months in the current company looks better
• Credit score: Around 700+, CIBIL makes things smoother
• Income proof: Salary slips and bank statement showing salary credit

So basically, if you recently changed jobs last month, the bank may hesitate. But if the salary is stable for some months, you can get it.

Minimum Salary Requirement

In practical terms, if you earn around ₹25k–₹30k monthly, you can apply. Existing BOB customers sometimes get easier approval because the bank already has access to their transactions.

Credit Limit (Min to Max)

There is no fixed number. The bank decides after checking your salary, CIBIL and your past repayment behaviour.

• Starting limit: about ₹25,000
• Most people get: ₹40,000 – ₹80,000
• Higher profile users: can go near ₹1.5–2 lakh

Cash withdrawal limit is usually about 40% of the total card limit. Also, one thing — if you use it properly and pay the full bill every month, the bank itself may increase the limit after 6–9 months. Many users see the automatic limit enhancement message.

So you don’t need a very high salary. Unlike premium cards, here, stable income matters more than high income. If the salary is genuine and the repayments are clean, you will likely get approval.

Applying Documents Required

Simple understanding: If your Aadhaar OTP works and documents are clear, digital is easier. Physical application is helpful only if online verification is failing or documents mismatch.

Direct Competitors — “Easy Card” Comparison

Why You May Choose BOB Easy Card (Pros)

• Low maintenance card = ₹35,000 yearly spend waiver looks big, but actually only ~₹2,900 per month. Almost any household can reach it.
• UPI advantage (RuPay version) = You can link to BHIM, PhonePe, GPay and pay at kirana shops. You even earn reward points on QR scan payments, which many cards don’t give.
• Bill payment reward = You are literally getting ~0.5% value just for paying bill on time. Bank is rewarding good behaviour, which is rare in entry cards.
• Departmental store coverage = Unlike many beginner cards, this one counts supermarket and departmental store purchases in bonus category. Good for monthly ration shopping.

Why You May NOT Choose It (Cons)

• No airport lounge access = Biggest limitation. Even if you travel once a year, you won’t get the airport entry benefit. For that, you need a higher card.
• Reward cap problem = Only 1,000 bonus points monthly. After roughly ₹20,000 in grocery spending, the reward drops sharply. Heavy family spenders feel this quickly.
• Low point value = 1 point = ₹0.20, Even 5X reward effectively gives around 1% return. So savings are steady but not exciting.
• No milestone bonus = Spending ₹50k or ₹1 lakh yearly gives no extra voucher. Only fee waiver happens.
• Weak for online shoppers = No Amazon or Flipkart partnership cashback. So people who shop mostly online usually prefer other cards.

If you want a simple, low-fee card to start a credit history and do daily payments, BOB Easy fits nicely. But if you: travel sometimes, want lounge comfort, or do heavy online shopping, then another card will suit you better. This one is more of a steady daily-use card, not a feature-packed rewards card.

How to Get this Card –

You can apply through Easemoney. First, we check your eligibility based on your credit score and profile strength. If approval chances look good, we redirect you to the official BOBCARD application page to complete KYC and submit details online.

Note: Even with strong credit and a great salary, final approval still depends on Bob Bank’s verification policies.

FAQs