What is the annual fee for BOBCARD EASY?

BOBCARD EASY is lifetime free after you spend ₹30,000 in a year to waive the ₹500 joining fee. Once waived, you'll never pay an annual fee again, making it a genuinely free card if you use it regularly for shopping.

How to apply for BOBCARD EASY?

You can apply for BOBCARD EASY online through Bank of Baroda's website or through OnePaisa's partner links. You'll need to provide basic KYC details, income proof, and have an active bank account to complete the application.

What rewards does BOBCARD EASY offer?

The card earns 1 reward point per ₹100 spent on purchases. New cardholders also get 500 bonus reward points (₹100 value) when they spend ₹5,000 within 60 days of card issuance. Reward points can typically be redeemed for shopping vouchers or statement credits.

What are the eligibility criteria for BOBCARD EASY?

Specific eligibility criteria are not detailed in the card specifications. Generally, you'll need a stable income, good credit score, and an active bank account. Contact Bank of Baroda directly or visit their website to confirm current age, income, and employment requirements.

Does BOBCARD EASY offer airport lounge access?

No, BOBCARD EASY does not include airport lounge access. This is an entry-level shopping card focused on everyday purchase rewards rather than premium travel benefits.

Is BOBCARD EASY worth it?

BOBCARD EASY is worthwhile if you spend at least ₹30,000 annually to waive the joining fee. The 1% reward rate is modest but combined with lifetime free status, it's a no-cost way to earn points on regular shopping. Overseas travelers should note the 3.5% forex markup is standard but not competitive for international spends.

Credit Cards

ShoppingEntryVisa

BOBCARD EASY

Everyday shopping rewards without annual fees

Annual fee₹500Waived on ₹0.3L spend

Rewards1.00%1 Reward Point per ₹100

Forex markup3.5%

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Bank of Baroda. Full disclaimer

Welcome benefits

worth ₹100

500 reward points on spends of ₹5000 within 60 days

Type: Reward Points
Trigger: Spend ₹5,000 within 60 days

Rewards

Base earn rate

1 Reward Point per ₹100 spent on all other categories*

Excludes: Fuel

Category	Rate	Cap
Departmental Stores	—	—
Movies	—	—

Milestone benefits

Spend Rs 6000 in the first 60 days and get your joining fee waived off***. Spend Rs.35,000 in every card anniversary year and get your annual fee waived off***.

Fees & charges

Joining fee: Just ₹500 in Joining & Annual Fees
Annual / renewal fee: Just ₹500 in Joining & Annual Fees
Annual fee waiver: Spend ₹35,000 in every card anniversary year and get your annual fee waived off***
Add-on card fee: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: 3.50%
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

View official MITC →

Insurance covers

Fraud liability

Report loss of card immediately to ensure zero liability on any fraudulent transactions

Eligibility

Income (salaried): For Salaried Non BoB Customers Minimum Net Annual Income is ₹3.6 Lakh. For Self-employed Non BoB Customers Minimum Net Annual Income is ₹4.8 Lakh. For Salaried BoB Customers Minimum Net Annual Income is ₹3 Lakh. For Self-employed BoB Customers Minimum Net Annual Income is ₹3.6 Lakh
Income (self-employed): ₹3.6L/year
Age: 25–55 years

Employment types

SalariedSelf-Employed

Required documents

Recent Passport size photograph (with clear / white background & without dark / tinted glass)
PAN Card
Aadhaar Card (both side)
Voter ID Card issued by election commission of India
Passport
Driving Licence
Job Card issued by NREGA duly signed by an officer of the State Government
Letter issued by the National Population Register containing details of the name & address
Salaried: Bank Statement reflecting salary credit for last 2 months. Salary Slips, if submitted, to be accompanied with bank statement as specified above
Self-Employed: Bank Statement (pdf file format) reflecting business transactions for last 3 months