Bank of Baroda Easy Credit Card

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What is Bank Of Baroda Easy Credit Card?

**Disclaimer: Bank of Baroda is not a Bajaj Markets partner. Offers would be from partner banks/NBFCs only.


When banks in India first began offering credit cards as a payment tool for customers, it was seen as an exclusive product to be used only for making high-value purchases. However, the Indian economy has come a long way since then and customers are now more willing to experiment in a bid to enjoy higher standards of living. To ensure this goal is met, credit cards are now being used by a wide range of customers across different price points. 

BOB Easy Credit Card

The Bank of Baroda Easy credit card is one such card that consumers are able to use seamlessly to make a range of purchases. The BOB Easy credit card limit can also be easily increased by customers who are willing to spend more and avail higher discounts. 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 customers are able to use the credit card in a hassle-free and seamless manner. Read on to learn about the different benefits you can avail by using this Bank of Baroda credit card.


  1. You get a waiver on fuel surcharge, assuming you spend between Rs. 400 to Rs. 5,000 per transaction.

  2. You can avail a waiver of the annual fee if you spend Rs. 6,000 within 60 days of availing the card or spend Rs. 35,000 in the year.

  3. Purchases amounting to more than Rs. 2,500 can be converted into equated monthly installments (EMIs), which can be repaid over tenures ranging from 6 to 12 months.

  4. The cardholder of the Easy BOB credit card can avail 3 add-on credit cards for their family members aged over 18 years.

  5. By availing the Bank of Baroda Easy card, you can avail free personal accidental death insurance free of charge.

  6. If you report your card as lost within 24 hours of the incident, you will face zero liability on any fraudulent activities conducted through your card.

  7. Bank of Baroda Easy credit card offers an interest-free period to the cardholder for up to 50 days.

  8. Upon payment of the minimum amount that is due, the cardholder is eligible for a revolving credit facility. 

BOB Easy Credit Card Fees & Charges

Before you avail any credit card, it is important to check out the different fees and charges associated with them and assess it as per market standards. BOB Easy credit card charges are lower than the market average, which makes it a beneficial payment tool for you. Read on to learn the different charges and fees associated with the Bank of Baroda Easy card.

Fee Type


First-year fee

Rs. 500

Annual Fee

Rs. 500

Cash Withdrawal Fee (Domestic ATM)

Subject to minimum Rs. 300, 2.5% of transaction value

Cash Withdrawal Fee (International ATM)

Subject to minimum Rs. 300, 3.0% of transaction value

Finance Charges or Interest

39% annually or 3.25% each month

Duplicate Fee Bill

Rs. 25 per request

Cheque Return Charges

Rs. 300 or 2% of cheque amount, whichever is higher

Over Limit Charges

1% once usage has exceeded monthly sanctioned credit amount

Card Replacement Charges

Rs. 100 per request

Foreign Currency Transaction Fee

3.5% of transaction value

Charge Slip Retrieval Charges

Rs. 250 per slip

De-blocking Card Charges

Rs. 300 per instance






Late Payment Charges

As per the outstanding amount:

Less than 200: Nil

Rs. 201 to Rs. 500: Rs. 100

Rs. 501 to Rs. 1,000: Rs. 400

Rs. 1,001 to Rs. 10,000: Rs. 500

More than Rs. 10,000: Rs. 750

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.


  • You get 1 reward point for each Rs. 100 you spend on a purchase

  • You can earn 5x points by using your credit card to buy movie tickets, or shop at departmental and grocery stores. However, the bonus reward points are capped at 1,000 each month

  • Paying your credit call bill enables you to get 5% cashback.

BOB Easy Credit Card Eligibility Criteria

Before you begin the application, it is necessary that you look at the BOB Easy credit card eligibility criteria so that you know whether you qualify for it or not. Read on to learn.


  • The applicant needs to be an Indian resident, aged between 18-65 years

  • The applicant must be either self-employed or salaried, and earning a minimum monthly net income of more than Rs. 25,000 or Rs. 3 lakhs annually

  • Along with their applicant, the applicant needs to submit documents as proof of income, residence, and identity.

How to Apply for 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.

  1. 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.

How to Reach BOB Easy Credit Card Customer Care

Reaching the Easy BOB 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. 


  • ✔️What is Bank of Baroda 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. 

  • ✔️What is the BOB Easy Credit Card limit?

    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 hiked.

  • ✔️What is the BOB Easy Credit Card eligibility?

    The applicant for a BOB Easy credit card needs to be an Indian resident, aged between 18-65 years, and earning more than Rs. 25,000 per month or Rs. 3 lakhs per year.