BOBCARD EASY Credit Card Review 2026 — Fee and Rewards

BOBCARD EASY Credit Card

Joining Fee

₹0

One-time

Annual Fee

₹590

Waived on ₹35,000/yr

Top Reward Rate

High Value

Uncapped rewards

Min. Monthly Income

Salaried / Self

Score 700+

Applying takes you to Bank of Baroda. CredSpy does not process applications, and the ranking on this site is never influenced by commission.

The full terms

Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.

1. Reward Rates, Multipliers & Point Conversion0 reward tiers

We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.

How points convert to cash:

We do not have redemption details recorded for this card. Check the issuer's page before relying on it.

2. Complete Fee Schedule & Annual WaiversAnnual: ₹590

Fees and charges
Charge	Amount	Condition
Joining fee	₹0	—
Annual / renewal fee	₹590	Nil in the first year. Rs. 500 from the second year, waived on spends of Rs. 35,000 in the preceding card anniversary year

Interest, if you carry a balance

Annual rate: 45% p.a.
Monthly rate: 3.75%

Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.

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

Rewards on everything you spend, at the rates above
₹0 joining fee

Every year after

₹35,000 a year

is what it takes to keep the ₹590 fee off — about ₹2,917 a month

The same rates, with the same caps, reset each cycle
₹590 renewal fee, waived again only on ₹35,000 of spend
No welcome benefit. It lands once and never repeats.

3. Airport Lounge, Dining, Fuel & Travel PerksPerks & milestones

Airport loungeNot recorded

We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.

Fuel surcharge waiverIncluded

1% waiver. 1% at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000, up to Rs. 250 per statement cycle

UPI paymentsNot recorded

We do not have upi payments recorded for this card. Check the issuer's page before relying on it.

Insurance & protectionNot recorded

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.

4. Important Excluded Spends & Limitations (MITC)7 recorded limitations

Read this one1 point per Rs. 100 redeeming at Rs. 0.20 is a 0.2% return. Rs. 50,000 of monthly spending earns about Rs. 1,200 a year.
There is no accelerated category. Fuel, groceries, dining and online shopping all earn the same base rate.
Bank of Baroda does not publish a foreign currency markup for this card, so the cost of spending abroad cannot be checked before applying.
No minimum age, income or credit score is published for this card.
The Rs. 500 renewal fee is waived only on Rs. 35,000 of spend in the preceding card anniversary year, which runs from the issue date rather than from April.
No airport lounge access on this card.
The fuel surcharge waiver applies only between Rs. 400 and Rs. 5,000 a transaction and stops at Rs. 250 a statement cycle.

We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.

5. Eligibility Criteria & Required DocumentsScore 700+

Age: 21 – 65
Credit score: 700+ typically
Employment: Salaried, Self-Employed

Check my eligibility

Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.

1Check you qualifyRun the eligibility check against the criteria above — it costs nothing and leaves no enquiry.
2Apply on the issuer’s siteCredSpy hands you to Bank of Baroda. The application, approval and card are theirs.
3Complete KYCIdentity, address and income proof, submitted to the issuer directly.
4VerificationThe issuer verifies your documents and runs its own credit checks.
5Card deliveryTimelines are set by the issuer and are not published here.

Apply now

6. Verified Cardholder Reviews & Community RatingRating & feedback

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.

7. Similar Cards & Head-to-Head Comparisons6 alternatives compared

Bank of BarodaBOBCARD SELECT Credit Card₹885 Bank of BarodaBank of Baroda EaseMyTrip Debit Card₹599 Bank of BarodaBOB Cashback Credit Card₹499 RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770 American ExpressAmerican Express SmartEarn Credit Card₹584 RBL BankRBL Bank Platinum Maxima Credit Card₹2,360

This card compared with similar cards
Card	Annual fee	Headline rate	Lounge
BOBCARD EASY Credit Card · this card	₹590	Not published	Not recorded
BOBCARD SELECT Credit Card	₹885	Up to 1% cashback	No
Bank of Baroda EaseMyTrip Debit Card	₹599	Up to 15% back	Included
BOB Cashback Credit Card	₹499	Up to 5% cashback	No
IndianOil RBL Bank XTRA Credit Card	₹1,770	Up to 7.5% rewards	No

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.

8. Frequently Asked Questions8 questions answered

What is the annual fee on the BOBCARD EASY Credit Card?

₹590 plus GST, waived on ₹35,000 of annual spend.

Does it give airport lounge access?

We do not have lounge details recorded for this card. Check the issuer’s page.

Can I use it on UPI?

We do not have UPI details recorded for this card.

What spending earns nothing?

We do not have an exclusions list recorded for this card. Check the issuer’s terms.

How do I redeem what I earn?

We do not have redemption details recorded.

How can I apply for a credit card?

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.

Can I increase my credit limit?

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?

What happens if I miss my credit card payment?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

9. Official Terms Sources & Last Verified DateMITC & Key Fact Statement

Last verified: October 2026
Data version: v1
Structured fields: 9 sourced

We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.

Where each figure came from

fees.annualFee — Issuer product page (high confidence)
fees.feeWaiver — Issuer product page (high confidence)
rewards — Issuer product page (high confidence)
rewards.caps — Issuer product page (high confidence)
eligibility — Issuer product page (high confidence)
creditTerms — Issuer fee schedule (high confidence)
interest_rate — Issuer fee schedule (high confidence)
fuel_surcharge_waiver — Issuer product page (high confidence)
credit_score_bracket — Verified by CredSpy (medium confidence)

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.

BOBCARD EASY Credit Card

Joining Fee

₹0

One-time

Annual Fee

₹590

Waived on ₹35,000/yr

Top Reward Rate

High Value

Uncapped rewards

Min. Monthly Income

Salaried / Self

Score 700+

Applying takes you to Bank of Baroda. CredSpy does not process applications, and the ranking on this site is never influenced by commission.

The full terms

Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.

1. Reward Rates, Multipliers & Point Conversion0 reward tiers

We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.

How points convert to cash:

We do not have redemption details recorded for this card. Check the issuer's page before relying on it.

2. Complete Fee Schedule & Annual WaiversAnnual: ₹590

Fees and charges
Charge	Amount	Condition
Joining fee	₹0	—
Annual / renewal fee	₹590	Nil in the first year. Rs. 500 from the second year, waived on spends of Rs. 35,000 in the preceding card anniversary year

Interest, if you carry a balance

Annual rate: 45% p.a.
Monthly rate: 3.75%

Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.

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

Rewards on everything you spend, at the rates above
₹0 joining fee

Every year after

₹35,000 a year

is what it takes to keep the ₹590 fee off — about ₹2,917 a month

The same rates, with the same caps, reset each cycle
₹590 renewal fee, waived again only on ₹35,000 of spend
No welcome benefit. It lands once and never repeats.

3. Airport Lounge, Dining, Fuel & Travel PerksPerks & milestones

Airport loungeNot recorded

We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.

Fuel surcharge waiverIncluded

1% waiver. 1% at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000, up to Rs. 250 per statement cycle

UPI paymentsNot recorded

We do not have upi payments recorded for this card. Check the issuer's page before relying on it.

Insurance & protectionNot recorded

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.

4. Important Excluded Spends & Limitations (MITC)7 recorded limitations

Read this one1 point per Rs. 100 redeeming at Rs. 0.20 is a 0.2% return. Rs. 50,000 of monthly spending earns about Rs. 1,200 a year.
There is no accelerated category. Fuel, groceries, dining and online shopping all earn the same base rate.
Bank of Baroda does not publish a foreign currency markup for this card, so the cost of spending abroad cannot be checked before applying.
No minimum age, income or credit score is published for this card.
The Rs. 500 renewal fee is waived only on Rs. 35,000 of spend in the preceding card anniversary year, which runs from the issue date rather than from April.
No airport lounge access on this card.
The fuel surcharge waiver applies only between Rs. 400 and Rs. 5,000 a transaction and stops at Rs. 250 a statement cycle.

We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.

5. Eligibility Criteria & Required DocumentsScore 700+

Age: 21 – 65
Credit score: 700+ typically
Employment: Salaried, Self-Employed

Check my eligibility

Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.

1Check you qualifyRun the eligibility check against the criteria above — it costs nothing and leaves no enquiry.
2Apply on the issuer’s siteCredSpy hands you to Bank of Baroda. The application, approval and card are theirs.
3Complete KYCIdentity, address and income proof, submitted to the issuer directly.
4VerificationThe issuer verifies your documents and runs its own credit checks.
5Card deliveryTimelines are set by the issuer and are not published here.

Apply now

6. Verified Cardholder Reviews & Community RatingRating & feedback

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.

7. Similar Cards & Head-to-Head Comparisons6 alternatives compared

This card compared with similar cards
Card	Annual fee	Headline rate	Lounge
BOBCARD EASY Credit Card · this card	₹590	Not published	Not recorded
BOBCARD SELECT Credit Card	₹885	Up to 1% cashback	No
Bank of Baroda EaseMyTrip Debit Card	₹599	Up to 15% back	Included
BOB Cashback Credit Card	₹499	Up to 5% cashback	No
IndianOil RBL Bank XTRA Credit Card	₹1,770	Up to 7.5% rewards	No

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.

8. Frequently Asked Questions8 questions answered

What is the annual fee on the BOBCARD EASY Credit Card?

₹590 plus GST, waived on ₹35,000 of annual spend.

Does it give airport lounge access?

We do not have lounge details recorded for this card. Check the issuer’s page.

Can I use it on UPI?

We do not have UPI details recorded for this card.

What spending earns nothing?

We do not have an exclusions list recorded for this card. Check the issuer’s terms.

How do I redeem what I earn?

We do not have redemption details recorded.

How can I apply for a credit card?

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.

Can I increase my credit limit?

What happens if I miss my credit card payment?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

9. Official Terms Sources & Last Verified DateMITC & Key Fact Statement

Last verified: October 2026
Data version: v1
Structured fields: 9 sourced

We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.

Where each figure came from

fees.annualFee — Issuer product page (high confidence)
fees.feeWaiver — Issuer product page (high confidence)
rewards — Issuer product page (high confidence)
rewards.caps — Issuer product page (high confidence)
eligibility — Issuer product page (high confidence)
creditTerms — Issuer fee schedule (high confidence)
interest_rate — Issuer fee schedule (high confidence)
fuel_surcharge_waiver — Issuer product page (high confidence)
credit_score_bracket — Verified by CredSpy (medium confidence)

BOBCARD EASY Credit Card

Instant Verdict: Is it worth it?

Calculate Your Net Earnings

Complete Card Breakdown & Fine Print

The full terms

How points convert to cash:

Interest, if you carry a balance

Airport loungeNot recorded

Fuel surcharge waiverIncluded

UPI paymentsNot recorded

Insurance & protectionNot recorded

Held this card? Tell people what it is actually like

Ready to apply?

BOBCARD EASY Credit Card

Instant Verdict: Is it worth it?

Calculate Your Net Earnings

Complete Card Breakdown & Fine Print

The full terms

How points convert to cash:

Interest, if you carry a balance

Airport loungeNot recorded

Fuel surcharge waiverIncluded

UPI paymentsNot recorded

Insurance & protectionNot recorded

Held this card? Tell people what it is actually like

Ready to apply?