BOB Easy
Bank of Baroda
Last updated: Feb 03, 2026
₹500
₹500
3.5%
No lounge access
Contents
BOB Easy is a low annual fee shopping and rewards credit card from Bank of Baroda designed for everyday use. You earn 5X reward points on movies, groceries and departmental store spends, plus 1X reward points on all other retail purchases. The card also offers a useful 1% fuel surcharge waiver and the option to redeem reward points as cashback. With simple eligibility, milestone-based fee waiver and Smart EMI, it is a beginner-friendly card for first-time credit card users.
Features of BOB Easy which makes it unique
Focused Everyday Shopping Card
Designed especially for high-value everyday spends on groceries, departmental stores and movies.
Earn 5X rewards on your most frequent day-to-day categories.
Stronger value on routine spends than many generic entry-level rewards cards.
Reward Points Redeemable As Cashback
All reward points can be converted directly into statement cashback.
Simple and flexible redemption without chasing catalog vouchers.
Clear monetary value of 1 point = ₹0.20 makes calculations easy for beginners.
Rewards Structure of BOB Easy
All Other Retail Spends
baseAll eligible retail transactions excluding fuel, cash advances, fees and restricted merchant categories.
Base rewards apply when accelerated slabs and monthly caps are exhausted.
Card Bill Payment Cashback
baseTimely payment of total outstanding on the BOB Easy credit card.
Cashback on bill payment is typically credited in subsequent statements as per reward program rules.
Movies
acceleratedTickets booked at cinemas and major online movie booking platforms.
After the cap is reached, further movie spends in the same statement cycle earn reward points at the base rate.
Grocery And Departmental Stores
acceleratedTransactions at supermarkets, grocery outlets and large departmental stores.
Only eligible merchant category codes earn accelerated rewards as per BOBCARD reward program terms.
Reward Redemption
baseMinimum reward points balance as per BOBCARD reward catalog.
Reward points can also be redeemed against vouchers and merchandise on the BOBCARD rewards portal.
Milestones of BOB Easy
Joining Fee Waiver Milestone
₹6,000 within 60 days of card activation : Reversal of first-year joining fee.
Annual Fee Waiver Milestone
₹35,000 in each card anniversary year : Reversal of annual fee for the following year.
Everyday Spends Rewards Milestone
Consistent monthly spends in 5X categories : Higher total reward points and better value back on movies, groceries and departmental store purchases.
Fees & Charges of BOB Easy
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Joining and annual fee waived on spends of ₹6,000 in first 60 days and ₹35,000 in each card anniversary year.
Fee Explanation Standard BOBCARD charges apply, including 3.5% forex markup and slab-based late payment fees depending on outstanding amount.
Detailed Explanation of BOB Easy Fees
Joining Fee: ₹500 + GST (one-time)
Waived on spends of ₹6,000 within 60 days from card activation.
Annual Fee: ₹500 + GST (yearly)
Waived on annual spends of ₹35,000 in each card anniversary year.
Finance Charges: 3.75% per month (approx. 45% p.a.) (monthly)
Applicable on unpaid outstanding, cash advances and EMIs if minimum due is not paid.
Foreign Currency Markup: 3.5% of transaction value (per transaction)
Charged on all international and foreign currency transactions.
Cash Withdrawal Fee: 2.5% (min ₹500) (per transaction)
Levy on ATM cash withdrawals, in addition to finance charges from transaction date.
Late Payment Fee: Up to ₹1,300 (per statement cycle)
Slab-based late fee depending on total outstanding; no fee for amounts below ₹100.
Fuel Surcharge Waiver: 1% waiver (max ₹250 per statement) (per statement cycle)
Applicable on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India; GST on surcharge is not reversed.
Insurance Coverage with BOB Easy
Zero Liability Protection
Up to the credit limit, as per bank policyApplicable on fraudulent transactions after the cardholder reports loss or theft of the card to BOBCARD customer care.
Purchases Protection (Limited)
As per BOBCARD policy from time to timeCoverage, if any, is governed by the latest BOBCARD Easy terms and may change; users should check current MITC and insurance schedule.
Additional Features of BOB Easy
Smart EMI
Convert eligible purchases above ₹2,500 into Smart EMIs for 6 to 48 months directly from the card.
Processing fee and interest rate applicable as per BOBCARD EMI schedule at the time of conversion.
Add-On Cards
Up to 3 lifetime free add-on cards for spouse, parents, siblings or children above 18 years.
Add-on card spends are billed to the primary cardholder and share the same credit limit.
Contactless Payments
Tap-and-pay enabled Visa credit card with secure NFC chip for quick transactions.
Per-transaction contactless limits and PIN requirements follow RBI and BOBCARD guidelines.
UPI Compatibility (RuPay Variant)
BOB Easy RuPay variant can be linked to UPI apps for seamless QR and online payments.
UPI linkage available only for eligible RuPay variant; Visa variant functions as a regular contactless credit card.
Digital Onboarding
End-to-end online application with Aadhaar e-sign and video KYC.
Subject to successful KYC, credit evaluation and verification by BOBCARD.
Welcome Bonus with BOB Easy
Welcome Bonus: 500 Reward Points
Bonus Conditions: Earn 500 reward points when you spend ₹5,000 within 60 days from card issuance.
Application Process for BOB Easy
Processing Time
7–10 working days after application approval.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the BOBCARD Easy page on the official BOBCARD website and click on Apply Now.
Fill in your personal, contact and income details and select the BOB Easy Credit Card.
Upload KYC and income documents such as PAN, Aadhaar and bank statements.
Complete Aadhaar-based e-sign and finish the video KYC process.
Wait for the bank’s underwriting decision and card approval.
On approval, the physical card is dispatched to your registered address within 7–10 working days.
Required Documents for BOB Easy
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Photograph
allAccepted documents:
BOB Easy Merchant Acceptance Network
Domestic Acceptance
Widely accepted at POS terminals and online merchants across India for shopping, dining, entertainment and bill payments.
International Acceptance
Visa variant of BOB Easy is accepted globally at all merchants and ATMs that support the Visa network.
Online Acceptance
Supported on most major Indian and international e-commerce websites and payment gateways.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Easy
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Stable income, good credit history and successful KYC verification are required.
How Approval Is Decided
- Indian resident with valid KYC documents.
- Age typically between 21 and 65 years for primary cardholders.
- Minimum stable monthly income as per BOBCARD Easy policy.
- Good credit history with a CIBIL score close to or above 700.
- Satisfactory verification of application details, employment and address.
Pros of BOB Easy
- High 5X rewards on popular everyday categories like groceries, departmental stores and movies.
- Low joining and annual fees that can be easily waived with modest spends.
- Reward points can be redeemed as cashback with clear value per point.
- Option to convert bigger purchases into Smart EMIs for easier repayment.
- Suitable for first-time card users building their credit profile.
Cons of BOB Easy
- No complimentary domestic or international airport lounge access.
- Forex markup fee of 3.5% makes it less attractive for frequent international travellers.
- No accelerated rewards on travel, premium dining or luxury spends.
- Reward points value is modest compared to some premium and co-branded cards.
Frequently Asked Questions about BOB Easy
What is the joining fee and annual fee for the BOB Easy Credit Card?
The BOB Easy Credit Card charges ₹500 + GST as a joining fee and ₹500 + GST as an annual fee, both of which can be waived when you meet the spend milestones.
How do 5X reward points work on the BOB Easy Credit Card?
You earn 5X rewards, i.e., 5 reward points per ₹100 spent on movies, groceries and departmental store spends, up to a monthly cap. After this limit, those spends earn reward points at the base rate.
Is the BOB Easy Credit Card good for beginners and everyday shopping?
Yes, BOB Easy is designed for first-time credit card users who spend mostly on groceries, departmental stores, movies and online shopping, offering strong value back with low fees and simple eligibility.
Does the BOB Easy Credit Card offer lounge access or premium travel benefits?
No, the BOB Easy Credit Card does not provide complimentary airport lounge access or premium travel perks. It is focused on shopping, movies and everyday rewards instead of travel benefits.
What is the forex markup on international transactions with BOB Easy?
All international and foreign currency transactions on BOB Easy attract a forex markup fee of around 3.5% of the transaction value, plus applicable taxes.
What are the basic eligibility criteria for the BOB Easy Credit Card?
Typically, you should be an Indian resident aged 21 to 65 years with a stable monthly income, a good credit profile and a CIBIL score of around 700 or higher to improve approval chances.
Can I convert large purchases into EMIs on the BOB Easy Credit Card?
Yes, you can convert eligible purchases above ₹2,500 into Smart EMIs for tenures between 6 and 48 months, with applicable interest and processing charges.
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