Bank of Baroda Easy Credit Card

By: OurMoneyGuide || Last updated on: April 23, 2024

Bank of Baroda Easy Credit Card is a starter card from Bank of Baroda. It gives higher benefits on select categories – department store purchases and movie spends. But the overall reward rates are low.

It can be a good card choice to begin your credit journey, in case you do not qualify for higher reward cards. It has a low annual spend requirement to make the card virtually free.

Brief Summary

Features & Benefits of the Bank of Baroda Easy Credit Card

1.25% benefit on department store purchases and movie spends – on spends upto ₹20,000 per month

You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories. 1 reward point = ₹0.25. Reward points can be redeemed as cashback.

This benefit is valid only on combined total purchases upto ₹20,000 per month , across these categories. Since you can earn a maximum number of 1,000 reward points at this accelerated rate, per monthly card statement cycle.

0.25% basic benefit on all other card spends

You earn 1 reward points worth ₹0.25 or 25 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25. Reward points can be redeemed as cashback.

Exceptions-
1. Fuel : You earn no reward points
2. Rent, education, utilities, government, insurance, charity, and supermarket spends : You earn 0.5 reward point worth 12 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

1% fuel surcharge waiver, upto ₹250 per month

You get 1% fuel surcharge waiver at all fuel stations across India –
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

On monthly fuel purchases beyond ₹25,000, your waiver percentage will fall below 1% since the maximum waiver amount is fixed at ₹250 per monthly card statement cycle. For example, on ₹50,000 monthly fuel purchases, you will get the maximum waiver amount of ₹250, and your surcharge waiver percentage would be 0.50%.

GST paid on fuel purchases is not refunded. Some fuel pumps may not have a 1% surcharge on fuel purchases, it could be a little higher or lower. However you will get maximum monthly waiver amount of ₹250 only, irrespective.

3 free add-on cards

You can get upto 3 lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Snapdeal BOB Credit Card.

Shared benefits : With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

BOB customer care

Please click here, to see all available options to contact your card issuer.

Eligibility Criteria

Application Process

Conclusion

Bank of Baroda Easy Credit Card is a good entry level card from BoB Financial. It gives higher benefits on select categories – department store purchases and movie spends. But the overall reward rates are quite low.

It can be a good card choice to begin your credit journey, in case you do not qualify for higher reward cards. It also has a low annual spend target to make the card virtually free.