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Bank of Baroda Easy Credit Card

(4/5) (815 Rating)

Bank of Baroda's Easy credit card is fruitful and beneficial for the middle-income group of people as it has a low annual fee of Rs 500 yearly. Besides, Easy credit has six interesting features.

1. 5 reward points for every Rs 100 spent on groceries, department stores, and movies. 2. 1 reward point also for every Rs 100 spent on other categories. 3. Fuel surcharge waiver. 4. Easy lifetime free. 5. Multiple redemption options. 6. Easy EMI option.

Fee And Charges

Joining Fee

Eligibility.

2.4 Lakh Onwards

Credit Card Features

Balance Transfer

Low Interest

No Annual Fee

• Limited Period Offer Joining fee & Renewal fee ‘Nil’ ‘Limited Period Offer’ For Bank of Baroda Easy Credit Card
• 1% Get 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000 (Maximum Rs. 250 per statement cycle).
• 👉 Get 5 reward points on every 100 spent on online shopping, dining, and utility bills.
• 👉 Redeem your reward points as cashback and other exciting options.
• 👉 Easy EMI options are available.
• 👉 Spend Rs 6,000 within 60 days or Rs 35,000 in a year, for reversal/waiver of annual fees.

Credit Card Document

Identity proof :

PAN Card/Aadhaar card/Driver’s License/Passport/Voter’s ID, etc.

Address proof :

Aadhaar card/Driver’s License/Passport/Ration Card, etc.

Income proof :

Latest one or 2 salary slip/Latest Form 16/Last 3 months’ bank statement

Credit Card Eligibilty

The applicant must be 21-65 years Old.

Employment :

Both Salaried and Self-employed can apply for this Credit Card.

The annual income of the applicant must be at least Rs. 5 lakh or above.

Check Other Credit Card

Card Type - Rewards

Card Type - Shopping

Rs.500 + Taxes

Card Type - Cashback

Rs.1000 + Taxes

Card Type - Travel

Rs. 99 + GST

Rs.499 + GST

Card Type - Fuel

Card Type - LifeStyle

Credit Card Review

Credit card faq .

Can the users get Easy credit cards even if they do not pay taxes?

Yes, they can get Easy credit cards even if they do not fall in tax brackets that require tax payment.

What is the credit limit?

The credit limit is the maximum amount users can spend using credit cards. The credit limit is dynamic and may be increased or decreased based on cards' usage and payments.

What are the documents required to get the bank of Baroda Easy credit cards?

The people who are willing to get Bank of Baroda Easy credit cards need identity proofs like passport, PAN cards, Aadhaar cards, voter's ID cards, etc. Along with that, the users need residence proof and income proof like salary slips (not more than 3 months old).

What are the eligibility criteria for an Easy credit card?

The users must be between 21 and 65 years old. The users can be salaried persons as well as self-employed persons and the users must have an annual income of Rs 5 lakh.

What is the service charge for Easy credit cards?

The service charge is the interest applied on the outstanding balance of credit card bills. The service charge of an Easy credit card is 3.25% per month.

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Card Limits

Credit limit & Cash limits are assigned to the cardholder based on the internal parameters of BOBCards, the credit history with the credit bureaus etc. & the same is communicated at the time of issuance of card. On periodic review of the card account, the company reserved the right to allow the customer to continue with the same/reduced limit. Customers seeking to have their limits enhanced can do so by writing to BOBCards and providing documents as required. The company at its sole discretions may/may not increase the limit without assigning any reasons / clarifications.

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With effect from 1st March 2020, some terms & conditions of your Bank of Baroda Credit Card will be revised. View Details

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• Important Information - BoB Credit Cards are currently being issued for the billing cycles of 1st, 7th, 16th, 18th or 25th of every month, as per BOBCARD Limited discretion. The cardholder has a one-time option to change the existing billing cycle as available. Cardholder may write to [email protected] or contact us at our Toll Free Nos. 1800 2665 100 & 1800 2667 100 for a change in the billing cycle. By applying for a credit card, I authorize BOBCARD & its representatives to call me or SMS me with reference to my request. This consent will override any regristration for DNC / NDNC. I also understand providing credit card is at the sole discretion of the Company.

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Bank of Baroda Forex Card: Benefits, Uses, Charges

Shekhar Suman

Updated on: March 2, 2024

The Bank of Baroda Forex card is a must-have resource for students who are planning to study abroad. It comes with a lot of benefits like a cash withdrawal facility, multiple currencies in one card etc. Bank of Baroda is one of the leading public sector banks in India with an impressive track record in forex services. The Bank of Baroda offers a wide range of forex cards with dedicated services for international students. In this blog, we will discuss the major features and benefits of Bank of Baroda Forex Cards. 

Table of contents

Why bank of baroda forex card, benefits of bank of baroda forex card, forex card transaction fee, how to buy a bank of baroda forex card, bob forex card transaction limits.

The Bank of Baroda Forex card is a prepaid International currency card. It has been designed to make your study abroad journey easy and convenient. The card is completely safe, secure and convenient to carry. The ‘Baroda TravelEasy Multi-Currency Forex Card’ saves you time which is wasted on money exchange services or encashing your traveller’s cheque. Check out some of the major benefits of the Baroda TravelEasy Forex Card.

Also Read: Looking for a Forex Card from a private bank? Check out this blog on Yes Bank Forex Card

Bank of Baroda has a network of over 150 authorised foreign exchange branches. The Bank of Baroda Forex Card comes with 3 currencies i.e. GBP, USD and EUR. The card can be activated immediately after buying and the card will be valid for 3 years. The fee charged for the use of a Forex card is very low and easily affordable for international students. Check some of the major benefits of the Forex Card below.

• You can make purchases at over 25 million merchant outlets worldwide displaying the VISA sign.
• The bank provides immediate activation service for the Forex Card.
• This Forex Card will be valid for 3 years from the date of the activation after which you can renew it.
• You can operate the card using the mobile app and can activate or deactivate the card from anywhere.
• Money can be reloaded in the card multiple times as per your requirement. 
• You can purchase a Bank of Baroda Forex Card even if you are not a customer/account holder of the bank.
• The card works on a real-time basis i.e. you can use the card immediately after reload.

Also Read: Facing issues while choosing between debit and Forex cards? Check out this blog on Forex Cards Vs International Debit Card

Before purchasing the Bank of Baroda Forex Card, always check the charges related to different transactions. Usually, the bank charges some fee for debit transactions, currency exchange charges and cash withdrawals. Check the details below:

Note: The amount shown above may fluctuate based on the international currency exchange rate. Always check the exact amount before performing the transactions.

The Bank of Baroda Forex Card can be purchased directly by visiting the branch. Any person holding a Bank of Baroda account as well as persons not holding an account with the bank can apply for a multi-currency forex card. You just need to visit an identified branch of Bank of Baroda which provides forex services and apply.

• Visit the branch of the bank
• Get a Forex Card application form and fill in the details carefully
• Submit the application form on the counter
• Wait for the verification of the documents and other details 
• The card will be provided to you after verification and you can use it immediately after loading the currency. 

There are certain limits on the transactions done with the forex cards. Check properly the minimum and maximum limits allowed on your card. Check the details of Bank of Baroda Multi-Currency Forex Card transaction limit:

You need to choose the ‘Credit’ option while withdrawing cash through Forex Card. In case the ‘Credit’ option is not available then you have to select the ‘Checking’ option.

You can use the Bank of Baroda Multi-Currency Forex Card across all shopping centres, hotel bills, car rentals etc. However, always look for a Visa POS for using the Forex Card. 

You will be charged a transaction fee for using ATMs for cash withdrawals and balance inquiries.

This card can be re-loaded multiple times before the expiry date. However, the transaction limit is subject to card load/reload amount limitation as per RBI and FEMA guidelines).

Bank of Baroda multi-currency forex card is one of the best financial travel partners which will help you to manage your expenses efficiently and quickly. Always read the terms and conditions and the charges on the transaction and then apply for the card. 

To know more about forex cards, the best bank accounts for students , forex and banking experience for global students or international money transfers , reach out to our experts at 1800572126 to help ease your study abroad experience. 

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About Shekhar Suman

Shekhar is a versatile writer with a passion for sharing knowledge and creativity. With expertise in crafting informative blogs on study abroad and finance, Shekhar helps readers navigate the complexities of education and financial planning. Most of his writings blend the practicality of finance and the beauty of language, making a meaningful impact in both spheres. Beyond his professional pursuits, he finds solace in the writing Shayari.

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Bank of Baroda Lifetime Free Credit Cards – Limited Time Offer

It’s not every day that we see such exciting and advantageous credit card offers from BoB but today the bank has brought on some buzz with its LTF offer. Bank of Baroda is currently running a limited-time offer until 31st March 2024, where customers can get their hands on popular credit cards without having to pay any joining or renewal fees. This offer is particularly beneficial for young adults and individuals who are looking for a credit card without any fees. The three credit cards that are part of this offer are the Select , Easy, and Premier Credit Cards.

Ready to take the first step toward your rewarding credit card journey? Just click on Apply Now and start your application process with a few simple clicks. It’s that easy! Let’s get started!

Quick View at BoB LTF Credit Cards

You can apply and avail of the following Bank of Baroda Credit Cards as lifetime free. These credit cards would add value to everyone’s wallet especially those who are looking for a card without having to pay any fees.

Bank of Baroda Premier Credit Card

• 5X Reward Points for every Rs. 100 spent on travel, dining, and international transactions and 2 Reward Points for every Rs. 100 spent on all other categories.
• 1 complimentary domestic lounge access per quarter at selected airports in India (4 each year).
• Easy EMI option available.
• Multiple options for Reward Point redemption.
• A fuel surcharge waiver of 1% is applicable to transactions between Rs. 400 and Rs. 5,000.

Bank of Baroda (BoB) Select Credit Card

• 5x Reward Points on every Rs. 100 spent on dining and online purchases.
• 1 Reward Point for every Rs. 100 spent on all other retail spends.
• Make easy contactless payments with this card.
• Convert your spends into Easy EMIs.

Bank of Baroda (BoB) Easy Credit Card

• 5X reward points for transactions on groceries, departmental stores, and movies.
• 1 reward point on all other categories.
• 50 days of the interest-free period.
• Avail free add-on cards for your family.
• Convert your transactions into EMIs
• 1% fuel surcharge waiver on all fuel transactions.

Bottom Line

Bank of Baroda provides a range of rewarding credit cards, including cards specifically designed for online shopping and government/defense employees. Currently, eligible individuals can obtain the above-mentioned credit cards without paying any joining fees or renewal charges. It’s best to know that ordinarily, to get a credit card with free lounge access, you would need to pay a joining fee of Rs. 500 or Rs. 1000. However, with the BoB Premier Credit Card , you can now enjoy this benefit without paying any joining fees.

If you’re interested in this offer or Bank of Baroda’s credit cards, please share your thoughts in the comments below. If you find these credit cards suitable for your needs, you can apply for them.

They won’t issue Card and Reject it if someone already hold BOB Onecard

Unable to see this offer on Bob’s website.

Its available. Just apply for the card. You shall get the lifetime free offer.

While e-signing the application, fee is displayed for premier card. Is it ok to apply?

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Bank of Baroda Easy Credit Card

For those seeking a credit card with no hefty joining or renewal fees, look no further. The Bank of Baroda presents the Easy Credit Card, with zero joining and renewal charges. Ideal for daily expenses, it rewards you with 5 points for every Rs. 100 spent on movies, groceries, and department stores. Enjoy a 0.5% cash-back on card bill payments and benefit from zero liability protection in case of card loss.

Key Highlights of Bank of Baroda Easy Credit Card

Unlock unparalleled benefits with the Bank of Baroda Easy Credit Card.

1. 5X Rewards on Daily Expenses: Earn 5 reward points for every Rs. 100 spent on Departmental stores and Movies.

2. Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at all fuel stations in India for transactions between Rs. 400 and Rs. 5,000 (Max. Rs. 250 per statement cycle). Note: Reward Points are not accrued on fuel transactions.

3. Make it EASY Lifetime Free: Spend Rs. 6,000 within 60 days and Rs. 35,000 in a year for the reversal/waiver of annual fees.

4. Multiple Redemption Options: Redeem your reward points for cashback and other exciting options.

5. Easy EMI Option: Transform transactions exceeding Rs. 2,500 on your card into convenient EMIs with options of 6 or 36 months.

Features and Benefits of Bank of Baroda Easy Credit Card

The Bank of Baroda Easy Credit Card offers several features and benefits:

• Earn 1 reward point per Rs.100 spent; 5x points on grocery, departmental stores, and movies.
• Redeem points for cash back, exciting gifts, and vouchers.
• Pay credit card bill on time and receive 0.5% cash back in the next statement.
• Annual fee waiver if first 60-day spends total Rs.6,000 and Rs.35,000 in a year.
• 1% fuel surcharge waiver on transactions of Rs.400 to Rs.5,000 at all Indian petrol stations.
• Convert purchases over Rs.2,500 into 6 or 12-month EMIs.
• Up to three add-on cards for family members above 18 years.
• Free personal accidental death insurance.
• Zero liability on lost card if reported within 24 hours.
• Up to 50 days interest-free period.
• Revolving credit facility available on minimum amount due payment.

Bank of Baroda Easy Credit Card Fees and Charges

Explore the fee structure for the Bank of Baroda Easy Credit Card and discover the financial advantages that come with it.

1. First Year Fee:

• Reversal/Waiver criteria: Spend Rs. 6,000 within the initial 60 days of card setup to reverse the first-year fee.
• Fee reversal will be visible in the 4th bill statement from the card issuance month, given all due payments are settled.

2. Annual Fee:

• Reversal/Waiver criteria: Spend Rs. 35,000 on your card within a year for fee waiver.

Bank of Baroda Easy Credit Card Eligibility Criteria

Here are essential criteria for applying for an Bank of Baroda Easy Credit Card:

• Age eligibility: Candidates must be at least 21 years old.
• Income stability: A stable income source is crucial, whether through salaried employment or self-employment.
• Credit history: An applicant should maintain a positive credit history to meet eligibility criteria.

Documents Required for Bank of Baroda Easy Credit Card

To apply for the Bank of Baroda Easy Credit Card, you will typically need to provide the following documents:

1. Private Employees Requirements:

• Personal account with BOB.
• Latest Form 16 or ITR copy.

2. Self-Employed Requirements:

• Last three years’ audited balance sheet.
• Profit and loss account.

3. General Requirements for All Applicants:

• Submission of a photograph.
• Copy of identity proof.
• Copy of address proof.

How to apply for Bank of Baroda Easy Credit Card

Follow these steps to apply for the Bank of Baroda Easy Credit Card online:

• Prepare all necessary documents beforehand.
• Visit the official website at www.bobfinancial.com.
• Opt for the Bank of Baroda Easy Credit Card application.
• Complete the online application form by providing essential details.
• Proceed to the next steps as guided.

Frequently Asked Questions (FAQs)

1. What is Bank of Baroda Easy Credit Card?

Bank of Baroda Easy Credit Card is a simple and convenient credit card designed to provide easy access to credit for various expenses, along with additional benefits and features.

2. How can I apply for a Bank of Baroda Easy Credit Card?

You can apply for the Bank of Baroda Easy Credit Card online through the official website or by visiting the nearest Bank of Baroda branch. The application process typically involves submitting personal and financial information.

3. What are the eligibility criteria for the Easy Credit Card?

Eligibility criteria may vary, but generally, individuals between a certain age range with a stable income and a good credit history are eligible. Specific criteria can be checked on the Bank of Baroda website or by contacting the bank directly.

4. What is the credit limit on the Bank of Baroda Easy Credit Card?

The credit limit is determined by the bank based on various factors, including your income, credit history, and repayment capacity. The assigned credit limit will be communicated to you upon approval of your application.

5. Can I check my Bank of Baroda Easy Credit Card statement online?

Yes, you can check your credit card statement online through the Bank of Baroda net banking portal or the mobile banking app. This allows you to view transactions, outstanding balance, and due dates.

6. How do I make payments on my Bank of Baroda Easy Credit Card?

Payments can be made through various channels such as net banking, mobile banking, ATMs, or by visiting a Bank of Baroda branch. Additionally, you can set up automatic payments or use the autopay feature to ensure timely payments.

7. Are there any rewards or benefits associated with the Bank of Baroda Easy Credit Card?

Yes, the Easy Credit Card may offer rewards, cashback, and other benefits on eligible transactions. The specific rewards program details can be found in the terms and conditions provided by the bank.

8. Is there an annual fee for the Bank of Baroda Easy Credit Card?

The annual fee or any other charges associated with the credit card will be mentioned in the terms and conditions provided by the bank. It’s advisable to review these details before applying for the card.

9. How can I contact customer support for Bank of Baroda Easy Credit Card queries?

You can contact Bank of Baroda customer support through the helpline number provided on the official website. Additionally, you may visit a local branch for in-person assistance.

10. Can I upgrade my Bank of Baroda Easy Credit Card to a different variant? Yes, depending on your credit usage and eligibility, you may have the option to upgrade your Easy Credit Card to a different variant with enhanced features. Contact the bank for more details on the upgrade process.