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BOBCARD Easy

The Bank of Baroda BOB CARD Easy is a rewards-focused credit card designed for everyday convenience. It offers up to 10X bonus rewards on travel spends, up to 5X rewards on movie tickets, and an annual fee waiver on spending ₹35,000 or more. The first-year fee is ₹500 plus taxes.

BOBCARD Easy

Overview of BoB Easy Credit Card

The BoB Easy Credit Card is a rewards-oriented card available at a modest annual fee, which can be waived by spending ₹35,000 in a year. It comes with a minimum credit limit of ₹25,000 and offers bonus rewards on movie tickets and departmental store purchases. Travel bookings through BOBCARD SmartDeal earn up to 10X rewards. Applicants can choose their preferred payment network from Visa, Mastercard, or RuPay. Ideal for beginners or those seeking a low-fee rewards card, BoB Easy combines affordability with useful lifestyle benefits. Below is a detailed look at its features, perks, and fees.

Rewards Program

Earning Structure:

  • Flights via BOBCARD SmartDeal: Earn 4 points for every Rs. 100 spent.

  • Hotel Bookings via BOBCARD SmartDeal: Get 10 points per Rs. 100 spent.

  • Movies & Departmental Stores: Receive 5 points for every Rs. 100 spent.

  • Other Purchases: Earn 1 point per Rs. 100 spent.

Reward Limits:

  • The 5X points on movies and departmental stores are limited to 1,000 points monthly. Any additional spending will earn standard 1X points.

Redemption Value:

  • Each reward point can be redeemed for Rs. 0.20 as cashback.

Additional Features & Benefits

Welcome Bonus:

  • Earn 500 reward points by spending Rs. 5,000 within the first 60 days of getting the card.

Fee Waivers:

  • Joining Fee: Waived when you spend Rs. 6,000 in the first 60 days.

  • Annual Fee: Waived if total annual spending reaches Rs. 35,000.

Fuel Privileges:

  • Get a 1% surcharge waiver on fuel transactions, up to Rs. 250 per month, for spends between Rs. 400 and Rs. 5,000.

Fraud Protection:

  • No liability for fraudulent transactions if the lost card is reported immediately.

BOBCARD Easy Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

BoB Easy Credit Card: Fees & Charges

Particulars Amount
Joining/Annual Fee Rs. 500 + applicable taxes
Finance Charges 3.75% per month i.e. 45% per annum
Late Payment Charges
On outstanding balance of:
Less than Rs. 100 Nil
Rs. 100 to Rs. 500 Rs. 100
Rs. 501 to Rs. 1,000 Rs. 400
Rs. 1,001 to Rs. 10,000 Rs. 750
Rs. 10,001 to Rs. 25,000 Rs. 950
Rs. 25,001 to Rs. 50,000 Rs. 1,100
More than Rs. 50,000 Rs. 1,300

Key Points Before Applying

Who Should Consider This Card:

  • Ideal for beginners looking for a rewards credit card with a low annual fee.

  • Best suited for those who want to earn maximum rewards on travel bookings via BOBCARD SmartDeal.

  • Perfect for low spenders seeking a card with easy fee waiver conditions.

Minimum Income Requirements:

  • Salaried Individuals: Rs. 3 lakh (existing BoB customers), Rs. 3.6 lakh (non-BoB customers) annually.

  • Self-Employed Individuals: Rs. 3.6 lakh (existing BoB customers), Rs. 4.8 lakh (non-BoB customers) annually.

Steps to Close BOBCARD Easy Credit Card

If you want to close your BOBCARD Easy Credit Card, you can follow the offline process provided by BOB Financial Solutions to ensure a smooth closure.

Visit Bank Branch

You can submit your closure request by visiting a branch:

  • Go to the nearest Bank of Baroda branch

  • Submit a written request for credit card closure

  • Provide required details such as:

    • Cardholder name

    • Last four digits of your credit card

    • Registered mobile number

The bank will verify your request and initiate the closure process.

Close via Customer Care

Alternatively, you can contact customer support:

  • Call the BOBCARD helpline

  • Request the executive to close your credit card

  • Complete the verification process

  • Follow the instructions to finalize your request

Important Points to Remember

  • Clear all outstanding dues, including EMIs, interest, and charges

  • Redeem reward points before closure, as they may expire

  • Cancel all subscriptions or auto-debits linked to the card

  • Avoid using the card after submitting the closure request

  • Ask for confirmation via SMS, email, or written communication

After Closure

  • Destroy the card by cutting across the chip and magnetic strip to prevent misuse

  • Check your credit report after a few weeks to ensure the status is updated as “Closed”

  • Report any discrepancies to the bank if needed

BOBCARD Easy Credit Card Helpline Number

If you need assistance regarding your BOBCARD Easy Credit Card, you can get in touch with the customer support team of BOB Financial Solutions. They provide support for billing issues, payments, card blocking, reward points, and other services.

Customer Care Helpline Numbers

These helpline numbers can be used for all credit card-related queries and support.

Services Available

Customer care can help you with:

  • Billing and statement-related queries

  • Payment assistance and outstanding dues issues

  • Reward points and benefits information

  • Reporting lost or stolen cards

  • Credit card closure or cancellation requests

Important Tips

  • Keep your registered mobile number and card details ready for verification

  • Never share sensitive information like OTP, PIN, or CVV

  • Always use official BOBCARD contact details for secure communication

  • In case of suspicious activity, block your card immediately

FAQs

Can I get the BoB Easy Credit Card if I don’t pay taxes?

Yes, you can apply even if you are not in a taxable income bracket, provided you meet the bank’s eligibility requirements.

The BoB Easy Credit Card is offered on Visa, Mastercard, and RuPay, allowing you to choose the network that suits your needs.

Indian residents who are salaried (aged 21–60) or self-employed (aged 24–65) with a stable income and good credit history can apply. Minimum income criteria apply.

Yes, a foreign currency markup of 3.5% is charged on all international purchases made using the card.

You can request a higher credit limit by submitting income proof or demonstrating a consistent repayment record. The bank will assess eligibility before approval.