Summary
The Bank of Baroda Easy Credit Card is an excellent option for those seeking a hassle-free and rewarding credit card. It provides genuine and practical rewards for day-to-day spending, making it perfect for frequent users. The card gives 1 reward point for each ₹100 spent and 5X reward points on dining, cinema, and department store spending, enabling users to reap the most benefits.
One of the significant advantages of this card is a 1% fuel surcharge waiver, which helps save on fuel expenses. The card offers an EMI facility as well, assisting users to break down their big bills into easy monthly installments with a repayment period option. For regular users of digital payment, the card has contactless payment features for convenience and speed of transactions without needing to enter a PIN for small transactions.
Security is another solid feature of the BoB Easy Credit Card. At the time of loss or theft, the bank provides zero-liability protection so that users have no liability for any unauthorized transaction if reported promptly. This feature makes it secure and safe to use for the cardholders.
Introduction
In today’s time, credit cards have become an important part of our lives. Whether shopping, making online payments, or needing money in times of emergency, credit is useful everywhere. In such a situation, if you want to get a credit card that makes your daily expenses easy and also gives you a lot of benefits, the then BoB Easy Credit Card can prove to be a great option for you.
BoB Easy Credit Card is specially designed for those who want to get an easy and convenient card, which gives cashback and reward points on everything from shopping to bill payment. Along with this, the BoB Easy Credit Card comes with a low interest rate and no hidden charges, so your financial plans can be operated even better.
A credit card is a reliable and convenient option, which provides you with a lot of benefits along with meeting your everyday financial needs. Bank of Baroda Easy Credit Card not only provides you with financial assistance but also organizes your expenses. Apart from this, various offers and discounts available from the card help you save money.
In today’s article, we will discuss in detail about BoB Easy Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of BoB Easy Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.
What is the Bank of Baroda Easy Credit Card?
The Credit Card is a basic and pocket-sized credit card launched by Bank of Baroda with the customers’ day-to-day requirements in mind. You can earn excellent cashback and reward points with the BoB Easy Credit Card for shopping, bill payments, travel, and other expenses.
With a low interest rate, waiver of annual fee, and easy EMI facility, the BoB Easy Credit Card provides you with the independence to shop without any financial burden. Further, from the security point of view too, the BoB Easy Credit Card possesses extremely sophisticated technology that secures all your transactions.
What is the design of the Bank of Baroda Easy Credit Card?
The BoB Easy Credit Card is plain and modern in design with a hint of modernity. The Bank of Baroda logo occupies the top left corner of the card, and the Visa or RuPay logo is on the bottom right depending on the variant.
It comes in a combination of orange and blue colors, which are the signature colors of the bank. The chip is placed on the left for safe payment. Overall, the design is sophisticated and professional, making it fit for everyday use.
What are the benefits of the Bank of Baroda Easy Credit Card?
Below are the most useful benefits:
- Reward Points: Get 1 reward point for each ₹100 spent.
- Bonus Rewards: Earn 5X reward points on dining, movie, and department store expenses.
- Fuel Surcharge Waiver: Get a 1% surcharge waiver on fuel surcharge at all Indian fuel pumps (on spend of ₹400-₹5,000).
- EMI Facility: Get big purchases converted into convenient EMIs with flexible tenor choices.
- Zero Liability on Lost Card: If your card is lost or stolen, report it immediately to avoid any sort of misuse.
- Contactless Payments: Tap & pay for fast and secure payments without the need to enter a PIN (for lower-value transactions).
What are the Bank of Baroda Easy Credit Card fees?
Here is a simple BoB Easy Credit Card fee breakup.
| Joining Fee | ₹499 + GST (one-time fee when you get the card). |
| Annual Fee | ₹499 = GST per year. This will be waived if you spend ₹50,000 or more in 90 days. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting aaBank of Baroda Easy Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the Bank of Baroda Easy Credit Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.
- Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Bank of Baroda Easy Credit Card?
The documents that you will have to submit to Get a BoB Easy Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Bank of Baroda Easy Credit Card be used?
Here is the list of places where you can use it:
- With the BoB Easy Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your BoB Easy Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The BoB Easy Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Bank of Baroda Easy Credit Card?
The credit amount you can spend is what you are provided with a BoB Easy Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for a Bank of Baroda Easy Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Bank of Baroda, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the Bank of Baroda Easy Credit Card.
- Just hover your cursor on the BoB Easy Credit Card, followed by selecting ‘Apply Now’ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Bank of Baroda branch to apply for the BoB Easy Credit Card.
- Request for the credit card application form for the BoB Easy Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the BoB Easy Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Bank of Baroda Easy Credit Card in 2025 be right?
Yes, getting aaBank of Baroda Easy Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
BoB Easy Credit Card is an excellent choice for anyone seeking an easy, secure, and low-cost credit card. Bank of Baroda Easy Credit Card manages your day-to-day expenses as well as provides you with a lot of benefits and features, including cashback and reward points on all purchases, low interest rates, and simple EMI options, etc. Besides this, the BoB Easy Credit Card has security features, that make your money and your data secure.
BoB Easy Credit Card not only enables you to spend wisely but also simplifies your large spending converting them into installments. The several offers and discounts that come with it enable you to save money so that there is no extra load on your financial plans.
If you are looking for a credit card that suits your day-to-day needs and also offers you financial security, then the BoB Easy Credit Card can be a highly beneficial and convenient choice. Its advantages, simple terms, and convenience make it an ideal credit card. So, if you wish to control your expenditure wisely and save simultaneously, the BoB Easy Credit Card can be an excellent choice for you.
Frequently Asked Questions (FAQs)
Ans: Yes, international transactions are also possible on BoB Easy Credit Card. However extra charges may be incurred on international transactions.
Ans: In case your BoB Easy Credit Card is lost or stolen, you can immediately block the card by contacting the bank’s customer care helpline and thereby avoid unknown transactions.
Ans: Yes, on the BoB Easy Credit Card you have the facility of converting your big bills into EMI, whereby you can pay your dues in monthly installments.
Ans: Yes, with BoB Easy Credit Card you can withdraw ATM cash up to a limit. However, interest charges and cash withdrawal fees may be applicable.
Ans: Interest charges can differ based on the card type you hold and your credit report. Bank of Baroda Easy Credit Card typically provides a low interest rate, which is economical in contrast to other credit cards.
