BOBCARD Easy Credit Card Review
The BOBCARD Easy is Bank of Baroda’s entry-level card. Its fee is easy to avoid — spend ₹6,000 in the first 60 days and ₹35,000 a year after — and it earns 5 points per ₹100 on department stores and movies.
With points worth ₹0.20, the accelerated rate is 1% and the base rate 0.2%, so it is best seen as a starter card.
- Fee easy to reverse and waive
- 5 points per ₹100 on department stores and movies
- 500 welcome points on ₹5,000 spend in 60 days
- Fuel waiver up to ₹250 a cycle
- Choice of Visa, Mastercard or RuPay
- Points worth only ₹0.20
- Monthly cap on accelerated points
- No points on fuel
- No lounge access
- About 3.5% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | About ₹500, reversed on ₹6,000 spend within 60 days |
| Annual fee | Waived on ₹35,000 annual spend |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹250 a cycle |
| Interest | About 3.75% a month (check BOBCARD’s MITC) |
Rewards: how the card earns
| Spend | Points per ₹100 | Value at ₹0.20 |
|---|---|---|
| Department stores and movies (groceries per Bank of Baroda’s page) | 5 (monthly cap applies) | 1% |
| Other spends | 1 | 0.2% |
| Fuel | 0 | — |
BOBCARD’s documents state the monthly cap on accelerated points as 1,000 or 2,000 points; check your card’s terms.
What earns nothing
Fuel earns no points.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | 500 points on ₹5,000 spend within 60 days |
| Lounge access | None |
| Fuel | 1% surcharge waiver, up to ₹250 a cycle |
| Networks | Visa, Mastercard or RuPay |
Eligibility
Issuer
BOBCARD (Bank of Baroda)
Apply via
BOBCARD or Bank of Baroda
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: first-time users and Bank of Baroda customers wanting a free-to-hold starter card.
- Skip if: you want meaningful rewards — the ₹0.20 point value keeps returns low.
Alternatives worth comparing
Final verdict
A no-hassle starter card that costs nothing if you use it a little. Rewards are modest; move up once you have a credit history.
Frequently asked questions
Is BOBCARD Easy free?
The first-year fee is reversed if you spend ₹6,000 within 60 days, and the annual fee is waived on ₹35,000 a year.
How many points do I earn?
5 points per ₹100 on department stores and movies (capped monthly) and 1 per ₹100 elsewhere.
How much is a point worth?
₹0.20.
Is there a welcome bonus?
500 points on ₹5,000 spend within 60 days.
Does it have lounge access?
No.
Last verified: October 2026, against BOBCARD’s Easy card leaflet and Bank of Baroda’s card page. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.