In-depth review
BOBCARD Easy Credit Card
BOBCARD Easy is Bank of Baroda's entry-level RuPay rewards card — 5 reward points per ₹100 (~1% at ₹0.20/point) on movies and departmental stores, 1 RP elsewhere, with a low ₹35,000 fee-waiver bar and UPI linking. A sensible first card for modest spenders; the ₹0.20 point value keeps the real return around 1%, so higher spenders out-earn it with a flat-cashback card.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹100 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
1% on Groceries
5 reward points per ₹100 (~1% at ₹0.20/point) on departmental stores (our nearest bucket for BOB's published category) and movies, capped at 1,000 reward points per month (then 1 RP/₹100)
0.2% on Other
1 reward point per ₹100 (~0.2% at ₹0.20/point) on other spends
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹35,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
First-time card users and lower-spend Bank of Baroda customers who want a simple RuPay rewards card with UPI and an easy fee waiver. Higher spenders should look at a flat-cashback card.
Full reward structure
What you earn on every rupee, per spend category — as of 23 Oct 2026. Rates assume 1 pt = ₹0.20. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 1%5 pts/₹100 × ₹0.20 | ₹200 |
| Other | reward points | 0.2%1 pts/₹100 × ₹0.20 | — |
Groceries: 5 reward points per ₹100 (~1% at ₹0.20/point) on departmental stores (our nearest bucket for BOB's published category) and movies, capped at 1,000 reward points per month (then 1 RP/₹100)
Other: 1 reward point per ₹100 (~0.2% at ₹0.20/point) on other spends
Earns nothing on: Fuel · Rent · Wallet Loads · Insurance · Education · Government & Tax
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 23 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Estimated annual value beyond rewards — ~₹1,200/yr in total.
1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions, max ₹250 per statement cycle
Should you get it?
- Best for: First-time card user, Lower-spend Bank of Baroda customer wanting UPI-on-credit, Everyday departmental-store and movie spender
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Groceries (1% back).
Pros & cons
✓ Pros
- 5 RP/₹100 (~1%) on movies and departmental stores
- UPI-linked RuPay — pay by scanning QR codes
- Low ₹35,000 fee-waiver threshold; easy approval for beginners
- 1% fuel surcharge waiver
✕ Cons
- BoB points at ₹0.20 pull the bonus-category return to ~1%
- Annual fee applies unless the ₹35,000 spend waiver is met
- 3.5% forex markup — not for international transactions
Eligibility & documents
This is the figure for salaried applicants. Where BOBCARD sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment (₹0.20/point)
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Earn reward points on UPI transactions via linked apps
What your BOB Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
At ₹0.20/point the bonus categories return only ~1% and everything else ~0.2% — fine as a beginner card, but flat-cashback cards out-earn it for anyone with real spend.
Frequently asked questions
Can I use it on UPI?
How many reward points does it earn?
What is the fee waiver?
How has the BOBCARD Easy Credit Card changed over time?
Has the BOBCARD Easy Credit Card been devalued recently?
When did the BOBCARD Easy Credit Card's fees last change?
How did the BOBCARD Easy Credit Card change in 2025?
The bottom line
A sensible starter RuPay card — 5 RP/₹100 (~1%) on movies and departmental stores, UPI-linkable, with a low ₹35,000 waiver bar that makes it effectively free for modest spenders. The ₹0.20 point value keeps the return around 1%, so treat it as a first card, not a primary earner.
How this page was built
Counted from this card’s own record: 2 earn rules, 1 of them capped, the spends listed as earning nothing and 1 recorded perk. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 23 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the BOBCARD Easy Credit Card are taken from BOBCARD's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 23 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
BOBCARD Easy Credit Card
BOBCARD Easy is Bank of Baroda's entry-level RuPay rewards card — 5 reward points per ₹100 (~1% at ₹0.20/point) on movies and departmental stores, 1 RP elsewhere, with a low ₹35,000 fee-waiver bar and UPI linking. A sensible first card for modest spenders; the ₹0.20 point value keeps the real return around 1%, so higher spenders out-earn it with a flat-cashback card.
BOBCARD Cashback Credit Card
BOBCARD Cashback is Bank of Baroda's flat-cashback card — 5% back on eligible domestic online spends capped at ₹1,500 a month (minimum 4 transactions in the cycle), unlimited 1% on everything else, auto-credited to the statement every month. The fee is ₹49/month or ₹499/year with no spend-based waiver, and fuel, wallet loads, ATM cash and sub-₹100 transactions earn nothing.
IRCTC BOBCARD RuPay Credit Card
The IRCTC BOBCARD is a railway co-brand for frequent train travellers: 16 reward points per ₹100 (~4% at ₹0.25/point) on IRCTC AC-class tickets year-round, rising to 40 RP/₹100 (~10%) only in two seasonal windows, plus railway lounge access and a surcharge waiver. The eye-catching 10% is seasonal — the card's real value tracks the ~4% standard rate and how much you book by rail.
BOBCARD Select Credit Card
BOBCARD Select is the BOBCARD Easy's engine with dining and online swapped in as the 5X categories, for ₹250 more a year — 5 reward points per ₹100 (~1% at Bank of Baroda's official ₹0.20/point) on those two, capped at 1,000 points per statement cycle SHARED across both, and 1 RP per ₹100 elsewhere, which is the same base rate the cheaper Easy already gives. No lounge access, and it cannot be linked to UPI. Judge it on whether dining and online are genuinely your two biggest categories — that pairing is the only thing the extra ₹250 buys.
Snapdeal BOBCARD Credit Card
The Snapdeal BOBCARD earns 20 reward points per ₹100 (~5% at ₹0.25/point) on Snapdeal with no stated cap, 10 RP per ₹100 (~2.5%) on other online shopping and departmental stores, and an unusually strong 4 RP per ₹100 (~1%) base rate — all on a ₹249 fee. The catch is that the fee has no waiver or reversal at any spend level, and fuel earns nothing.
BOBCARD Prime Credit Card
BOBCARD Prime is a secured card issued against a fixed deposit of ₹30,000 or more, with guaranteed issuance and no income proof required. It has zero joining and zero annual fees, links to UPI on a RuPay rail, and accepts applicants from 18 to 85. The rewards are token — 2 RP per ₹100 at ₹0.20 a point is about 0.4%, and fuel earns nothing — so judge it on access and cost, not returns.
HPCL ENERGIE BOBCARD Credit Card
The HPCL ENERGIE BOBCARD earns 24 reward points per ₹150 (~4% at ₹0.25/point) at eligible HPCL outlets plus a 1% HPCL fuel surcharge waiver, with quarterly domestic lounge access on a ₹499 fee that waives at ₹50,000. Both fuel benefits are gated to HPCL's eligible-outlet list and capped at 1,000 points a statement, and the base rate is a weak 2 RP per ₹150 — so it earns its keep only if you are genuinely loyal to HPCL.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2021 · last change Apr 2026
2026
- ▼ FeeEffective 1 Apr 2026
Processing fees added on toll/bus, high-value rail and third-party education spends
None→1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
From 1 April 2026 BOBCARD applied a 1% processing fee across almost all its cards: on toll and bus (MCC 4784) spends of ₹5,000 or more, on railway bookings (MCC 4112) of ₹30,000 or more (capped ₹5,000), and on education-fee payments made through third-party apps such as CRED, Paytm, PhonePe and MobiKwik (capped ₹5,000).
Verification: BOBCARD ↗ · Confidence: High
2025
- ▼ FeeEffective 1 Jul 2025
Finance charge raised to 3.75% per month
3.25% per month (39% p.a.)→3.75% per month (45% p.a.)
Effective 1 July 2025 BOBCARD revised the monthly finance charge on carried balances and cash advances to 3.75% (45% a year) for all card variants except Eterna, Eterna FD and Tiara. This is the change behind the card's current 3.75%/month rate — it only applies if you revolve a balance or take a cash advance.
Verification: BOBCARD ↗ · Confidence: High
- ▼ RedemptionEffective 1 Jul 2025
Minimum redemption raised to 1,000 points
Lower / no fixed minimum→1,000 points minimum
Effective 1 July 2025 redeeming reward points against the statement balance requires a minimum of 1,000 points, applied across all BOBCARD credit-card variants — a small delay to when points become usable.
Verification: BOBCARD ↗ · Confidence: High
- ▲ RewardEffective 1 Jul 2025
Utility bill payments earn reward points again
No reward points on utility bills→Core reward points restored on utility bills
From 1 July 2025 BOBCARD restored core reward points on utility bill payments (MCC 4900 — electricity, gas, water) across all variants, partly reversing the July 2024 special-category cull that had zeroed them out. Earning is at the card's core base rate, not an accelerated rate.
Verification: BOBCARD ↗ · Confidence: High
- ▼ FeeEffective 1 Jan 2025
Processing fees added on wallet-load & utility spends
No processing fee→1% on wallet loads; 1% (max ₹3,000) on utility payments ≥ ₹50,000
A BOBCARD Schedule-of-Charges revision introduced a 1% processing fee on wallet-load transactions and a 1% fee (capped at ₹3,000) on utility payments of ₹50,000 or more, and reinforced that wallet-load MCCs earn no reward points. Everyday grocery, movie and departmental-store spending is unaffected.
Verification: BOBCARD ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/bob-easy#value-timeline">BOBCARD Easy Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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