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BoB Easy Credit Card

The Bank of Baroda Easy Credit Card is a product that is designed to make life easy. It offers a wide range of rewards, offers, discounts and more. The benefits of owning a Bank of Baroda Easy Credit Card include reward points on eligible spends and purchases. You can also avail easy EMI options on purchases above a specified threshold. 

There are also multiple redemption options, so you can make the most of the reward points you’ve accumulated on the BoB Easy Credit Card. The card’s many benefits make it especially appealing to a wide range of customers.

BoB Easy Credit Card Benefits & Features

The BoB Easy credit card benefits and features go a long way in ensuring that you are able to use the credit card in a hassle-free and seamless manner. Read on to learn about the different benefits you can get by using this Bank of Baroda Credit Card.

  • Reward points on every purchase and spend

  • Reversal of first-year fee if you spend ₹6,000 within the first 60 days 

  • Waiver of annual fees on annual spends of ₹35,000 or more

  • 1% fuel surcharge waiver at all petrol stations in India (capped at ₹250 per billing cycle)

  • Option to convert purchases exceeding ₹2,500 into easy EMIs payable in 6 to 36 months

  • Up to 3 lifetime free add-on BoB Easy Credit Cards 

  • No liability for fraudulent transactions in case of loss of the card

  • Interest-free credit period up to 50 days

  • Eligibility for revolving credit facility, where you can pay only the minimum amount due

BoB Easy Credit Card Eligibility & Documentation

Before you apply for the Bank of Baroda Easy Credit Card, you need to be aware of the eligibility criteria and the documentation required. Check out these details below. 

1. Eligibility Criteria 

  • Age above 21 years (may vary from one card to another)

  • Stable source of income (can be salaried or self-employed)

  • Good credit history and high credit score 

2. Documents Required

  • Proof of identity like Aadhaar card, PAN, voter’s ID, passport or driving licence

  • Proof of address like Aadhaar card, voter’s ID, passport, driving licence or any utility bills

  • Proof of income such as your latest salary slips, bank statements, Income Tax Returns (ITRs) etc. 

How to Apply for a BoB Easy Credit Card

Applying for the Bank of Baroda Easy Credit Card is simpler than ever before. There are two ways you can do it.

1. Online:

Visit the Bank of Baroda website, where you can download the application for the Easy credit card. Fill out the application, attach with it the necessary documents, and submit it to your nearest BoB branch.

2. SMS:

Alternatively, you can send the message “Apply <city name>” to 9223990624. Once you send the SMS, a bank representative will get in touch with you to guide you with the procedure.

BoB Easy Credit Card Reward Points

The Baroda Easy credit card offers a comprehensive reward program, which makes it an exciting payment tool for customers looking to make purchases both online and offline. Read on to learn about the different rewards you can earn with your Bank of Baroda Easy card and avail enormous discounts on a range of services, including flight tickets.

  • 5 reward points on every ₹100 spent on departmental stores and movie tickets (capped at 1000 reward points per month)

  • 1 reward point on every ₹100 spent on other purchases and expenses

  • 0.5 reward points on every ₹100 spent on select merchant categories 

How to Reach BoB Easy Credit Card Customer Care

Reaching the BoB Easy credit card customer care team is a hassle-free process. You can easily reach the team by either calling them on any of the helpline numbers listed as per your requirements, or by writing to them at the preferred nodal office. You can also escalate your issues by writing an email. 

FAQs on BoB Easy Credit Card

The Bank of Baroda Easy Credit Card is a useful payment tool for customers making lots of purchases who wish to enjoy higher discounts while shopping. 

The BoB Easy Credit Card limit will be decided as per your eligibility. You can submit a written application to the bank if you want the credit limit to be increased.

To apply for a BoB Easy Credit Card, you need to be an Indian resident, aged between 18-65 years, and earning more than ₹25,000 per month or ₹3 Lakhs per year.

The BoB Easy Credit Card comes with different fees and charges. The first-year fee and the annual fee are ₹500 each. However, the first-year fee is reversed if you spend ₹6,000 within 60 days from the card set-up date. The annual fee is waived off on spends of ₹35,000 or more during the year.

The finance charges on the BoB Easy Credit Card are levied at 3.49% per month. Other fees and charges on this credit card include cash withdrawal fees, late payment charges and foreign currency transaction fees.

The BoB Easy Credit Card offers a wide range of advantages to cardholders. With this credit card, you get rewards points on every spend, fuel surcharge waivers, easy EMI options and different redemption options.

Yes, finance charges on outstanding balances on the BoB Easy Credit Card are levied at 3.49% per month i.e. 41.88% per annum.

You can place a request for an increase in your credit limit from your credit card account. If the bank deems you eligible for the increased limit, your request will be approved.

The interest-free credit period for the BoB Easy Credit Card can go up to 50 days from the date of any purchase.

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