BOBCARD Easy Credit Card

The BOBCARD Easy Credit Card (formerly Bank of Baroda Easy) is an accessible starter credit card engineered for practical household shoppers who want steady savings on everyday essentials without dealing with complex reward rules. The card carries an **annual fee of ₹500 + GST**, which is waived upfront upon spending ₹2,500 within the first 60 days of card issuance, and waived for subsequent renewal years by spending a modest **₹35,000 annually**—one of the lowest fee-waiver thresholds in the Indian public sector banking space. The card's primary strength lies in its **5X Reward Points multiplier on groceries, departmental store purchases, and movie ticket bookings**. Cardholders earn 5 Reward Points per ₹100 spent on these core categories (where 1 Reward Point = ₹0.25, delivering an effective 1.25% value back), capped at 1,000 Reward Points per month. All other eligible retail purchases earn 1 Reward Point per ₹100 (0.25% return). Earned points can be converted seamlessly into pure statement cash credit or redeemed for merchandise and gift cards on the BOBCARD rewards portal. To extend financial utility to the whole family, BOBCARD provides **up to 3 lifetime-free add-on credit cards** for parents, spouse, or adult children. Cardholders also enjoy a 1% fuel surcharge waiver at all petrol stations across India on transactions between ₹400 and ₹5,000 (capped at ₹100/statement cycle). While the card lacks airport lounge access and carries a basic reward ceiling, its dependable 1.25% grocery return, zero-cost add-on cards, and ultra-low ₹35,000 annual spend fee waiver make it an outstanding entry-level instrument.

Additional Cardholder Privileges

Mandatory Verification Documents