Bank Of Baroda Easy Credit Card Review

Among the three credit cards offered by BOB, the BOB Easy credit card is probably the best. It comes with a low annual and joining fee and lots of benefits and features. The awesome benefits of the card are – reward options, cash-back on bill payment, discount on fuel surcharges, easy annual fee reversal, EMI facility, Insurance coverage, lost card liability, and lots more. Let’s discuss the card in detail. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 60 yrs. 
    • Income: ₹4 lakh annually. 
  • For self-employed person:
    • Age: 18 to 60 yrs. 
    • Income: ₹4 lakh annually. 
  • Good CIBIL Score (750 or more).

Required Documents:

  • 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. 

Fee:

  • Joining Fee: ₹500 + GST
  • Annual Fee: ₹500 + GST

Benefits:

  • Cash-Back on bill payment:

Every time you pay your card bill you will get 0.5% cash-back. The cash-back will be credited in your next statements.

  • Reward benefit:

This card offers 1 reward point for each ₹100 transactions made with this card. You can also get 5X reward points or the same on grocery, movie tickets, and departmental stores. You can also redeem your earned reward points very easily with multiple options.

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges, this feature is applicable at any fuel station in India. You can save a maximum of ₹250 monthly. 

  • Insurance coverage:

This card comes with built-in insurance coverage. This insurance gives you coverage against any accidental deaths. It gives financial security to your family.

  • Lost card liability:

This card offers zero liability against lost or stolen cards, to get the maximum benefits of the offer you have to report within 24 hours of the loss.

  • Fee waiver:

If you can spend ₹6,000 within 60 days of the card activation, you will get a 100% waiver on your joining fee. 

Also if you can spend ₹35,000 with your card within a year then the annual fee of the card will be waived off. 

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  •  EMI option:

This card offers you to convert your high-value purchases into EMI. This feature is very helpful for frequent shoppers. 

  • Interest-free period:

This card offers up to 50 days interest-free period. 

  • EMV Chip Card:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.

Charges:

  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500. 
  • Finance Charge: 3.49% monthly. 
  • Foreign currency transaction: 3.50% against the transacted amount. 

Contact Details:

Call: 1800-103-1006

        1800-225-100

Mail: [email protected]

100xGain Ratings:

6/10

Final Opinion:

This card is best for earning reward points from the shopping and entertainment categories. It is also suitable for daily uses, you will get 5X reward points on shopping and entertainment categories, insurance coverage, zero lost card liability, annual and joining fee waiver, and several other features and offers that can make your life much easier. 

But If you are looking for premium benefits like lounge access or golf benefit, or travel-related benefits then I would not recommend you this card. Instead, you can go for Etihad Guest SBI Card for lounge access, IndusInd Bank Pinnacle Credit Card for golf benefits, and ICICI Bank MakeMyTrip Platinum Credit Card for travel benefits.    

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