Bank of Baroda Easy Credit Card Review

The bob easy credit card is one of the most popular credit cards among Indians looking to build up a handsome credit score. Offering powerful rewards on every transaction, an exclusive waiver on fuel surcharges, and a zero annual fee facility, this card features a perfect blend of simplicity and usefulness which makes it ideal for first-time applicants. Go through the complete article to know more about the bob easy credit card benefits and charges.

How does the BOB easy credit card eligibility criteria work?

  • Resident Type: Indian. 
  • Bank of baroda credit card eligibility criteria for salaried person:
    • Age: 18 to 60 yrs. 
    • Income: Rs.4 lakh annually. 
  • BOB credit card eligibility criteria for self-employed person:
    • Age: 18 to 60 yrs. 
    • Income: Rs.4 lakh annually. 
  • A good CIBIL Score (Above 750) is mandatory to apply for this easy bob credit card.

What documents are required to apply for the Bank of Baroda credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

What are the bank of baroda easy credit card fees?

  • Bank of Baroda card joining fee: Rs.500 + GST
  • BOB credit card annual fee: Rs.500 + GST

As a limited period offer, you can get this Bank of Baroda financial card without any joining and annual fees.

What are the BOB easy credit card benefits?

  • Make every transaction rewarding:

With the powerful BOB easy rewards scheme, your every transaction will be rewarded. 

Category of transaction

Rate of earning BOB credit card reward points

Grocery, departmental stores, and movies

5X rewards per Rs.100 transaction

All other categories

1 reward point

You can earn a maximum of 1,000 rewards per BOB credit card statement cycle. Those points can be redeemed from the BOB easy credit card reward points redemption catalog.

  • Enjoy freedom from fuel surcharge:

Using this BOB financial card you can earn up to a 1% waiver on fuel surcharges. This fuel surcharge waiver offer is applicable at most of the fuel stations in India and the transaction amount should be between Rs.400 to Rs.5,000. You can earn up to Rs.250 waiver in a credit card statement cycle.

  • Security of the lost card liability coverage:

This BOB credit card comes with complimentary lost card liability coverage. That means, if your card ever gets lost or stolen, you just have to report it by calling the BOB credit card customer care contact number and you will no longer be liable for anything bad that may happen to your Bank of Baroda account.

You can also block your card from your bank of Baroda credit card net banking account, click here to go to the bob easy credit card login page.

  • Make your card free for a lifetime:

On spending Rs.6,000 with your bob easy platinum credit card within a year, you can get a complete waiver on your first 60 days of your bob credit card activation

Also, if you can spend Rs.35,000 with your card within a year, you will get a full waiver on your next year’s BOB credit card annual fee. You can keep track of your bob credit card status from the bob financial app.

  • Enjoy easy bill splitting:

With the bob credit card easy EMI facility, you can convert any high-value transactions (over Rs2,500) into small monthly installments. Check the available limit of bob easy credit card before applying for a bank of baroda credit card emi.

  • Contactless payment option:

This bob easy card is equipped with an advanced contactless payment facility. It allows you to make payments just by placing your card over any contactless-enabled POS machine. You can control the contactless payment option from your bank of baroda net banking account.

What are the bob easy credit card charges?

Particulars

Payable amount

BOB credit card charges for cash withdrawal

2.5% against the amount, min Rs.500 (check your available bob easy credit card limit before making a withdrawal)

Bank of baroda credit card finance charge

The bob credit card interest rate can go up to 3.49% monthly (applicable if the bob credit card payment is not made within the due date)

BOB easy credit card charges on currency conversion

3.50% against the transacted amount

Add on credit card fee

None for up to 3 add-on cards

How to contact the bob financial credit card customer care department?

  • Call the bob financial customer care number: 1800 103 1006/1800 225 100
  • Write to the bob financial credit card customer care email id: crm@bobfinancial.com

100xGain Ratings: 

7.5/10

Pros and cons of this bob financial credit card:

Pros

Cons

  • The rate of bob rewards is quite impressive.
  • This bob credit card offers a good monthly waiver on fuel surcharges.
  • You can also get a complete waiver on your bob credit card annual fee.
  • You will not get any dining, shopping, or entertainment benefits from this bank of baroda credit card.

Final Opinion:

If you are looking for an entry-level credit card that can help you in improving your credit score then the bank of baroda easy credit card could be the best bob credit card for you. With powerful rewards on every transaction, an exclusive waiver on fuel surcharges, and a low-cost EMI option, this card will help you in building a strong credit score in a convenient way.

Also, if you are not satisfied with the benefits offered by this bob bank credit card, then make sure to compare the alternative card options given below. Hopefully, it will help you in making an informed decision.

Alternative of Bank of Baroda Easy Credit card: 

  1. AU Small aultra plus credit card (Best for cashback and reward benefits)
  2. Axis bank reserve credit card (Best for reward point and lounge access benefits)
  3. RBL money tap black credit card (Best for reward point and lounge access benefits)
  4. UBI visa gold credit card (Best for offering reward points and fuel surcharge waivers)

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