Bank of Baroda
BOBCARD Easy Credit Card
Data last verified: 23 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate0.2% base, up to 1% on groceries
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- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Fee waiverOn ₹35,000 spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹250 a month
The Easy card earns 5 reward points per Rs 100 on movies, groceries and department stores, and 1 point per Rs 100 elsewhere. At about 20 paise a point, that is roughly 1% and 0.2% back. You also get 500 bonus points after spending Rs 5,000 in the first 60 days.
The fee is ₹500 a year, waived when you spend ₹35,000 in the year. That is under Rs 3,000 a month, so most regular users will not pay it.
It suits first-time card users and people who want a simple card for groceries and UPI payments. The catch is the low return. Even on bonus categories it is about 1%, the bonus is capped each month, and the 3.5% forex markup makes it a poor choice abroad.
Best for: First-time credit card users, Grocery and movie spenders, People who want a credit card on UPI.
01BOBCARD Easy Credit Card Rewards and Benefits
02BOBCARD Easy Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- Annual fee waived on ₹35,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹250 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on groceries, earning 1%₹50
- ₹15,000 on everything else, earning 0.2%₹30
- Back each month, ₹960 a year₹80
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹960
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Groceries: 1% back, up to ₹200 a month
- Spending ₹2,917 or more a month: the ₹590 fee is waived
Skip it if…
- you spend less than ₹2,917 a month (₹35,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you rarely spend on groceries: the 1% rate applies only there, everything else earns 0.2%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹500
- Fee waived on ₹35,000 spend in a year
- 5 points per ₹100 on movies, groceries and department stores
- 1 point per ₹100 on other spends
- 500 bonus points on ₹5,000 spend in 60 days
- UPI enabled RuPay card
- Forex markup: 3.5%
05Pros and Cons
Pros
- Very easy fee waiver at ₹35,000 a year
- Works on UPI
- Bonus points on groceries and movies
- Zero liability cover on a lost or stolen card
Cons
- Low return of about 0.2% on regular spends
- Accelerated points are capped each month
- 3.5% forex markup
- No lounge access
06How BOBCARD Easy Credit Card earns Rewards
0.2% base, up to 1% on groceries.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.2% | No cap | The card's normal rate |
| Online shopping | 0.2% | No cap | The card's normal rate |
| Dining and food delivery | 0.2% | No cap | The card's normal rate |
| Groceries | 1% | ₹200 | All merchants in the categoryTerms: 5 reward points per ₹100 (~1% at ₹0.20/point) on departmental stores (our nearest bucket for BOB's published category) and movies, capped at 1,000 reward points per month (then 1 RP/₹100) |
| Travel: flights, hotels, trains | 0.2% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.2% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.2% | No cap | The card's normal rate |
| Everything else | 0.2% | No cap | The card's normal rate |
Terms on the base rate. 1 reward point per ₹100 (~0.2% at ₹0.20/point) on other spends
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07BOBCARD Easy Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.2% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹400 to ₹5,000 fuel transactions, max ₹250 per statement cycle
08BOBCARD Easy Credit Card Eligibility and Documents
- Age
- 25 to 55 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹30,000
Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
09Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Apr 2026 | Reduced: Processing fees added on toll/bus, high-value rail and third-party education spendsSource: Bank of Baroda | None | 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps, each max ₹5,000) |
| 1 Jul 2025 | Reduced: Finance charge raised to 3.75% per monthSource: Bank of Baroda | 3.25% per month (39% p.a.) | 3.75% per month (45% p.a.) |
| 1 Jul 2025 | Reduced: Minimum redemption raised to 1,000 pointsSource: Bank of Baroda | Lower / no fixed minimum | 1,000 points minimum |
| 1 Jul 2025 | Changed: Utility bill payments earn reward points againSource: Bank of Baroda | No reward points on utility bills | Core reward points restored on utility bills |
| 1 Jan 2025 | Reduced: Processing fees added on wallet-load & utility spendsSource: Bank of Baroda | No processing fee | 1% on wallet loads; 1% (max ₹3,000) on utility payments ≥ ₹50,000 |
See this card's change history → · All card changes in April 2026 →
10Cards Similar to BOBCARD Easy Credit Card
BOBCARD Easy Credit Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | BOBCARD Easy Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹500 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.2% base, up to 1% on groceries | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Grocery | Dining | Fuel |
11Explore More
Card facts last verified 23 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your BOBCARD Easy Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹500 fee waived?
Yes, once you spend ₹35,000 in a year. Below that the fee is charged.
How much is a reward point worth?
About 20 paise, so 5 points per ₹100 is roughly 1% back.
Can I use it on UPI?
Yes, it is a RuPay card that can be linked to UPI apps.
Who can apply?
Applicants aged 25 to 55 with a monthly income of about ₹30,000.
What is the joining fee for the BOBCARD Easy Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the BOBCARD Easy Credit Card?
The annual fee is ₹500 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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