BOB Easy credit card

‘BOB Easy Credit Card’ is a basic credit card from ‘Bank of Baroda’. This card is specially designed for the people with minimal income. This card comes with a number of features and offers like – 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. In fact this card is probably the best basic ever card offered from BOB.

  • Eligibility criteria –
  • Nationality – Indian.
  • Age – 18 – 65.
  • Occupation – Both salaried and self-employed people can apply for this card. 
  • Income – 4 lakh (annually)
  • Good relation with the bank.
  • Zero due payments.
  • If you apply this card against your company you have to show a paid-up capital of ₹ 25 lakh (minimum).
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Voter Id.
  • Driving License
  • Aadhar Id.
  • Letter from UIDAI.
  • Proof of Address –
  • Passport.
  • Gas, Electricity or any utility bill. ( recent )
  • Ration card.
  • Document of property registration.
  • Proof of Income –
  • 3 month’s bank statement. (latest)
  • Recently submitted form 16.
  • Salary Slip (recent 3 months) (for salaried only)
  • KYC-PAN.
  • Balance sheet of recent 3 years. (audited)
  • Fees – 
  • Joining fee – ₹ 500.
  • Annual fee – ₹ 500.
  • Add on fee – None. (for up-to 3 cards)
  • Interest rate (p.m.) – 3.25% monthly.
  • Benefits – The benefits of ‘BOB Easy Credit Card’ is described below –
  • Reward points – This card brings a number of reward winning option with it. You can earn 5x reward ( = 5 points) on each ₹ 100 transaction at grocery, movie ticket and departmental stores. Also you can earn 1 reward points on each ₹ 100 transaction at other categories. You can also redeem your earned reward points very easily with multiple options.
  • Cash-back on bill payments – Now you can earn from your card bills. Every time you pay your card bill you will get 0.5% cash-back. The cash-back will be credited in your next statements.
  • Fee waiver – This card comes with a low joining and annual fee. Also you can get 100% off on your annual and annual fee. If you can spend 6,000 within 60 days of the card activation. Then you can get 100 off on your joining fee. Also if you can spend ₹ 35,000 annually with this card then the annual fee of the next year will be waived off.
  • Fuel surcharge – With this card you can enjoy 1% waived off on fuel surcharges on transaction between ₹ 400 – ₹ 5,000. This offer is applicable at any fuel station in India. (max waived off amount – ₹ 250 monthly).
  •  Insurance coverage – This card comes with a built-in insurance coverage. This insurance gives you coverage against any accidental deaths. It gives a financial security to your family.
  • Interest free period – This card is very suitable for shopping, as with this card you will get an interest fee period of up to 50 days. (applicable from the day of purchase).
  • EMI facility – Now you don’t need to worry about your big bill amounts. Because with your ‘BOB Easy Credit Card’ you can transform into easy monthly EMIs at a very low cost. this feature can help you to pay your big card bills too. (min amount – ₹ 2,500)
  • Lost card – In case if your card is lost or stolen, then you can call BOB customer care authority to block or lock your card within no time. If, you can report within 24 hours then you will have zero liability for your lost card.
  • Add on facility – You can now share the benefits of your card with your loved ones. Just add your loved ones (children, parents, siblings, or any family members of 18 years) with your card and they can also enjoy the benefits of a credit card.
  • Charges –
  • Cash Advance – 3% against the amount (min – ₹ 300)
  • Late payment Fee – (in rupees)
  • Up to 200 – 0.
  • 201 – 500 – 100
  • 501 – 1,000 – 400.
  • 1,001 – 10,000 – 500.
  • Over 10,001 – 750. 
  • Foreign currency transaction – 3.5% against the transacted amount.
  • Other benefits –
  • Worldwide acceptance – this card is accepted anywhere in the world. You can transact with this card almost at any outlets in the world.
  • Flexi pay – This feature is very helpful for shopping. With this feature you can now extend your shopping budget without worries. You just have to pay a minimum amount of the bill and the rest of the amount can be paid later with a very low interest rate.
  • 24X7 Customer Care – BOB customer care is all time active you can ask for any help from them any time.   
  • Customer care number –
  • 1800 102 4455
  • 1800 258 4455
  • 1800 102 4455
  • Final verdict –

If you are looking for a basic credit card that can give you more rewards and cash-back offers then this is the card you need. it comes with a number of features and benefits like – Easy rewards, add-on facilities, Insurance coverage, 50 days of the interest-free period, and lots more. So if you are eligible then you must go for the card, as it gives you the best possible features at a very low cost. 

Categories BOB

Leave a Reply

Share via
Copy link
Powered by Social Snap