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Bank of Baroda
India’s first co-branded travel debit card from a public sector bank, with eight lounge visits a year.
One-time
Per year
Capped at ₹1,000/month
Standard approval
Applying takes you to Bank of Baroda. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from Bank of Baroda’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromFlights
Pays up to ₹1,000 a month — reached at about ₹6,667 of spend
Hotels
Pays up to ₹5,000 a month — reached at about ₹33,333 of spend
This card earns no reward points at all — every benefit is a discount or a voucher All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
15% on Flights — 10-15% Instant Travel Discounts — Direct discounts on EaseMyTrip flights, hotels, buses and activities with no minimum order value, up to ₹1,000 per month.
Biggest limitation
This is a DEBIT card, not a credit card. Spends are debited from the linked Bank of Baroda account, there is no credit limit, no statement and no interest-free period.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
15%
cappedFlights
Pays up to ₹1,000 per month — reached at about ₹6,667 of spend.
10-15% Instant Travel Discounts — Direct discounts on EaseMyTrip flights, hotels, buses and activities with no minimum order value
15%
cappedHotels
Pays up to ₹5,000 per month — reached at about ₹33,333 of spend.
15% off (up to ₹5,000) on domestic hotels and 15% off (up to ₹10,000) on international hotels
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹599 | — |
| Annual / renewal fee | ₹599 | No waiver. The Rs. 599 + GST issuance and annual fee is charged on the linked Bank of Baroda account. |
| Add-on card | Not applicable. A debit card is issued to the account holder. | — |
| Cash withdrawal | Not applicable in the credit-card sense. ATM withdrawal on this card follows the linked Bank of Baroda account’s debit card terms. | — |
| Late payment | Not applicable. There is no statement and no minimum amount due on a debit card. | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹599 a year
charged with no published way to avoid it
Not applicable to this card.
UPI credit-card linking is available only on RuPay credit cards.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Bank of BarodaBOB Cashback Credit Card₹499
HDFC BankPhonePe HDFC Bank Uno Credit Card₹499
DBS BankDBS Vantage Credit Card₹20,000
Axis BankIndiGo Axis Bank Premium Credit Card BK₹5,000
Axis BankIndiGo Axis Bank Credit Card BKLifetime free
Federal BankScapia Credit Card BKLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Bank of Baroda EaseMyTrip Debit Card · this card | ₹599 | 15% flights | Included |
| BOB Cashback Credit Card | ₹499 | Up to 5% cashback | No |
| PhonePe HDFC Bank Uno Credit Card | ₹499 | Up to 2% cashback | No |
| DBS Vantage Credit Card | ₹20,000 | Up to 10% cashback | No |
| IndiGo Axis Bank Premium Credit Card BK | ₹5,000 | Up to 7 reward points per ₹100 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹599 plus GST, with no published spend-based waiver.
The strongest published rate is 15% on flights, capped at ₹1,000 per month — so roughly ₹6,667 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Up to 8 complimentary domestic airport lounge visits a year, capped at 2 per quarter.
UPI credit-card linking is available only on RuPay credit cards.
This card earns no reward points at all — every benefit is a discount or a voucher No rewards on this card earns no reward points at all — every benefit is a discount or a voucher. Fuel, rent, wallet loads, cash-equivalent transactions and EMI conversions are generally excluded from milestone and welcome-benefit qualifying spends
Instant discounts applied at checkout on EaseMyTrip, Partner offers redeemed at the merchant
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Up to 8 complimentary domestic airport lounge visits a year, capped at 2 per quarter.
Rs. 599 plus GST as a joining fee and Rs. 599 plus GST every year after. Because it is a debit card drawing on your Bank of Baroda account, there is no interest, no late payment fee and no minimum amount due; ATM withdrawals follow your account's own debit card terms.
No. It is a debit card: spends come straight out of the linked Bank of Baroda account. That means no credit check to hold it, but also no interest-free period and no effect on your credit score.
Up to 8 complimentary domestic airport lounge visits a year, capped at 2 per quarter, plus 2 international lounge visits a year — unusual on a debit card.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Bank of Baroda EaseMyTrip Debit Card — 15% on flights, up to ₹1,000 per month. ₹599 a year.