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Credit Cards · India

BoBcard Easy Credit Card

Updated 15 Apr 2026Source-linked

The BoBcard Easy Credit Card is a entry credit card from Bank of Baroda, with a joining fee of ₹0 + GST.

It earns up to 5% back on grocery departmental utility spends in the form of reward points (points).

Bank of Baroda logo
BoBcard Easy Credit Card
Visa logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 5% on grocery departmental utility
  • Base 1.25% on other spends
Welcome Benefits
  • Not applicable
Bank of Baroda logoBoBVisa logoclassicentryLifetime free
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Rewards and Benefits

Rewards Rate
5% on grocery departmental utility
Base 1.25% on other spends.
Reward Redemption
BoBcard Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by Bank of Baroda.
  • Lifetime free — no joining or annual fee.
  • Available on the Visa network.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
  • Accelerated earn rate of 5% on grocery departmental utility.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5% on grocery departmental utility

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.

Sources

Last verified 15 Apr 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
₹2,40,000 p.a.
Income (self-employed)
₹2,40,000 p.a.
Tagslifetime freeentrypoints