BOBCARD Easy Credit Card: Features & Apply

Table of Contents

Summary

The BOBCARD Easy Credit Card is offered by BOB Financial, which is a part of Bank of Baroda. This credit card is simple to use, cheap, and not too hard. People who want to use a credit card without having to worry about high fees or terms that are hard to grasp have found it. This card doesn’t have any annual or membership fees, which is great for students, young professionals, or anyone who is just starting to use credit.

You get points for every ₹100 you spend with the card, so you can get something back on stuff you buy all the time. You also don’t have to pay the 1% fuel surcharge, which means your gas is a little less expensive. It’s fantastic that you can turn purchases over ₹2,500 into easy EMIs. This is quite useful when you need to buy anything quickly, asduringg a festival or an emergency.

It also contains an EMV chip and real-time SMS alerts to protect your purchases from fraud. With the BOBCARD mobile app, you can check your balance, see how much you’ve spent, redeem incentives, and even block or unblock your card straight now.

Introduction

Credit cards are a good way to keep track of your everyday spending and develop a strong financial profile in today’s fast-paced society. The BOBCARD Easy Credit Card is a good choice for both new and seasoned customers in India because it is clever and cheap. The Bank of Baroda backs this credit card, which makes it easy, safe, and fun to use. The BOBCARD Easy Credit Card has a lot of features that can help you with your daily life, whether you’re shopping online, paying bills, or keeping track of your monthly budget.

The name “Easy” fits the card’s qualities perfectly: it’s easy to receive, easy to use, and easy to keep track of. The BOBCARD Easy Credit Card is for people who want a credit experience that is easy and stress-free. There are a lot of great things about this card that won’t cost you a lot of money. It doesn’t have an annual fee, and you can get cash back on everyday purchases, for instance.

It doesn’t take long or much effort to apply. You don’t have to go to a branch or fill out a lot of documents. You can apply for the BOBCARD Easy Credit Card in just a few minutes using online application tools. As soon as your card is authorised, it will be sent to your door, and you can start using it right away.

This credit card is also highly secure. It has EMV chip technology, fast transaction alerts, and the ability to easily stop and unblock transactions through the mobile app. These steps keep your money safe, so you can buy goods without worrying. Users may also effortlessly check their balance, keep track of their transactions, and pay their bills from anywhere and at any time with the BOBCARD app.

What is the BOBCARD Easy Credit Card?

The BOBCARD Easy Credit Card is offered by BOB Financial, which is part of Bank of Baroda. This credit card is simple and affordable. People who are new to credit cards or want an easy way to keep track of their daily spending can use it. First of all, this card doesn’t have an annual fee, so you won’t have to worry about paying extra costs every year. You also get reward points for every transaction, so you get something back every time you spend money.

There are no extra fees for gas with the BOBCARD Easy Credit Card, and you can choose your EMI easily. You can also get amazing offers on food and shopping. These things make it perfect for everyday use. You may use the card with confidence because it contains current security features, including an EMV chip and SMS warnings. The BOBCARD mobile app also lets you rapidly manage your card, check your balance, and make payments from anywhere.

How is the design of the BOBCARD Easy Credit Card?

The design of the BOBCARD Easy Credit Card is simple but beautiful. First of all, the card appears clean and up-to-date, which makes it look decent. The BOBCARD logo is visible on the sleek blue colour that it usually comes in. This makes it look professional and sophisticated. There is also an EMV chip on the front of the card. This not only looks better, but it also makes transactions safer.

It’s also easy to use because all the important information, such as the cardholder’s name, card number, and expiration dates, is visible. The back of this card features a magnetic strip and a place for your signature, just like most normal credit cards.

What are the benefits of the BOBCARD Easy Credit Card?

Let’s break these benefits down into simple terms:

1. No cost every year

First, this credit card doesn’t have any annual or joining fees, so you don’t have to pay anything extra to keep using it each year. This is a wonderful solution for folks who don’t have a lot of money.

2. Get points for every item you buy

You get points for every purchase you make. Get one reward point for every ₹100 you spend on anything but gas, for example. You can spend these points later to acquire gifts, coupons, or other great deals.

3. No fuel surcharge

If you buy a lot of gas, this card can help you save more. You can get a 1% fuel fee waiver at gas stations all around India for purchases of between ₹400 and ₹5,000.

4. Easy EMI Change

We sometimes buy big stuff like appliances or electronics. You may turn purchases of more than ₹2,500 into affordable monthly EMIs with the BOBCARD affordable Credit Card. This means you can pay in small sums instead of all at once.

5. Safe Deals

It’s really important to be safe when you use a credit card. The EMV chip on this card keeps your payments safe and sends you an SMS alert right away for every transaction. You can also use the BOBCARD mobile app to block or unblock your card at any moment.

6. Open the BOBCARD Mobile App

The BOBCARD app makes it easy to manage your credit card from your phone. You can check your balance, see how much you’ve spent, pay bills, and even see your reward points from anywhere and at any time.

What are the fees for the BOBCARD Easy Credit Card?

Here is a simple breakdown of the BOBCARD Easy Credit Card fee.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.75% per month (45% annually) is applied to 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 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a BOBCARD Easy Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have proof of a valid address.

What documents are required to get a BOBCARD Easy Credit Card?

The documents that you will have to submit to get the BOBCARD Easy Credit Card are as follows:

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 employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the BOBCARD Easy Credit Card be used?

Here is the list of places where you can use it:

With the BOBCARD 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 and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

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 and 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 BOBCARD Easy Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The BOBCARD Easy Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the BOBCARD Easy Credit Card?

The credit amount you can spend is what you are provided with when you have a BOBCARD 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 only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies from person to person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another, or even more, depending on their profile and financial background.

It’s essential to track your expenses and not exceed the credit limit, as exceeding this limit can result in additional penalties and a decrease in your credit score.

How do you apply for the BOBCARD 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 Bank of Baroda; for instance, you can choose the BOBCARD Easy Credit Card.

Simply hover your cursor over the BOBCARD Easy Credit Card and select ‘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 such as your identity proof, address proof, income proof, and a 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 you submit 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 BOBCARD Easy Credit Card.

Request the credit card application form for the BOBCARD Easy Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

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 BOBCARD Easy Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions in the envelope through the Bank of Baroda Card website, mobile app, or customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a BOBCARD Easy Credit Card in 2025 be the right choice?

Obtaining the BOBCARD Easy Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility.

Bank of Baroda is also a strong bank with high customer service, making it a dependable choice. But don’t forget that you should ensure 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 perfect option in 2025.

Conclusion

The BOBCARD Easy Credit Card is a great option for anyone who wants a credit card that is simple to use, safe, and inexpensive. This card is great for you, whether you’re new to credit cards or just want one with lower fees and more benefits. You won’t have to pay any annual or membership fees, so it’s easy on your wallet. You may enjoy the benefits of a credit card without having to worry about extra fees.

The card also has the best of both worlds: it’s easy to use and gives you incentives. Earn reward points for every purchase you make. You can utilise these points later to save even more money. You also enjoy benefits like no fuel fees, exclusive discounts, and the chance to pay for big items in installments. These features make the card useful for ordinary purchases, travel, gas, and even emergencies.

The EMV chip and real-time SMS alerts also make you feel safe while you purchase. You can keep track of your bills, spending, and reward points even more easily with the BOBCARD mobile app.