The smart rewards card for everyday shopping
1% on ₹400-₹5,000 transactions (max ₹250/statement cycle)
5X on departmental stores & movies (capped at 1,000 RP/month); 1X on other spends
500 reward points on spending ₹5,000 within 60 days
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| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn 5X* reward points on spending at departmental stores and movie tickets, i.e., 5 reward points per ₹100 spent. |
| Welcome Bonus | Get 500 reward points on spending ₹5,000 within 60 days of card issuance. |
| Fee Waiver | Joining fee waived on spending ₹6,000 within 60 days. Annual fee waived on spending ₹35,000 in a year. |
| Low Annual Fee | Annual fee of ₹500 + GST, easily waivable with moderate spending. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum benefit of ₹250 per statement cycle. |
| Cashback Redemption | Redeem your reward points as cashback at 1 reward point = ₹0.20. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | BOB Financial Solutions Ltd. (Bank of Baroda) |
| Bank / Non-bank | Bank-affiliated |
| Category | Shopping / Everyday Rewards |
| Type of Card | RuPay |
| Free or Paid | ₹500 Annually (waived on spends of ₹35,000) |
The BOB Easy Credit Card is one of the best choices for people who love everyday shopping and frequent visits to departmental stores and movie theatres. Designed especially for regular shoppers, this card offers exciting rewards and cashback on daily spending categories, making it perfect for those who want to maximise savings on routine expenses.
Global Acceptance: Use your card at millions of outlets worldwide, making it versatile for both domestic and international purchases.
Everyday Shopping Made Easy: Designed specifically to make everyday shopping easy on your pocket with accelerated reward points and cashback.
Cash Withdrawals: Access cash from ATMs globally, ensuring liquidity when needed.
Contactless Payments: The card is enabled with wireless chip technology for secure and faster payments in contactless mode.
EMI Conversion: Convert purchases into easy monthly installments of 6 to 48 months, helping manage expenses efficiently.
Zero Liability Protection: Report loss of card immediately to ensure zero liability on any fraudulent transactions.
UPI Linking: Available on RuPay network, allowing you to link the card to UPI applications and earn reward points on UPI spends.
5X Reward Points: Earn 5 reward points per ₹100 spent on: Departmental stores and Movie tickets
1X Reward Point: Earn 1 reward point per ₹100 on all other categories and purchases.
Note: The 5X reward points are capped at 1,000 reward points per statement cycle on the mentioned categories. Further spends in that statement cycle on these categories will earn reward points at the regular earn rate. Reward programme is not applicable on select MCCs and fuel transactions.
Cashback: All accumulated reward points can be redeemed for cashback at 1 reward point = ₹0.20.
Note: All accumulated reward points can be redeemed through the BOB rewards portal with no redemption charges.
Welcome Reward: Receive 500 reward points on spending ₹5,000 within 60 days of card issuance.
Joining Fee Waiver: Spend ₹6,000 within 60 days from card activation date to get your joining fee of ₹500 + GST reversed.
Annual Fee Waiver: Spend ₹35,000 in every card anniversary year to get your annual fee of ₹500 + GST waived off.
Note: First year fee will be levied in the 3rd bill statement from the card issuance month, provided the spend milestone criteria are not met. Fee waiver is applicable only to non-delinquent credit cardholders.
1% Waiver: Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India.
Maximum Benefit: The maximum waiver is ₹250 per statement cycle.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + GST | One-time charge when the card is issued. Waived on spending ₹6,000 within 60 days. |
| Annual Fee | ₹500 + GST | Charged every year. Waived if annual spends are ₹35,000 or more. |
| Fuel Surcharge Waiver | 1% on transactions between ₹400–₹5,000 | Maximum benefit of ₹250 per statement cycle at fuel stations. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | 21 to 60 years |
Age (Self-Employed Individuals) | 24 to 65 years |
Age (Add-on Cardholders) | Above 18 years |
Nationality | Indian resident |
Minimum Annual Income | ₹3 Lakhs for salaried individuals |
Other Criteria | Regular source of income, good credit score, valid PAN card, valid Aadhaar card or any government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Aadhaar Card, Voter ID Card, Passport, or Driving Licence |
| Address Proof | Aadhaar Card, Voter ID Card, Passport, Driving Licence, Ration Card, Utility Bills (not more than 3 months old) |
| Income Proof | Salaried: Bank Statement reflecting salary credit for last 2 months, Salary Slips (with bank statement). Self-Employed: Bank Statement displaying business transactions for last 3 months and other financial documents |
| Photograph | Recent passport-size photograph with clear/white background and without dark/tinted glass |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your BOB Easy Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Rewards | Use the card for shopping at departmental stores and movie tickets to earn 5X reward points. |
Redeem Reward Points | Redeem accumulated points for cashback at 1 point = ₹0.20 through the BOB rewards portal. |
Fuel Savings | Use the card at fuel stations for transactions between ₹400-₹5,000 to avail 1% fuel surcharge waiver. |
Track Spending | Monitor your spending and reward points through the BOB Card mobile app or online portal. |
Set Up Alerts | Enable transaction alerts to stay informed about your spending and reward accumulation. |
Meet Fee Waiver Targets | Spend ₹6,000 in first 60 days and ₹35,000 annually to enjoy zero annual fees. |
The BOB Easy Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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