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▾BOBCARD Easy Credit Card Review (Limited-Period LTF Offer)
Best for: First-time card users and BOB savings-account customers who want a fee-free card for daily groceries and utility bills.
- Limited-period Lifetime Free offer per issuer (base joining + annual is ₹500 + GST each — verify current campaign before applying)
- 5X Reward Points (5 RP/₹100) on Departmental Stores AND Movies per current issuer page (capped at 1,000 RP per category per statement cycle)
- 1 RP per ₹100 on all other retail; 1 RP = ₹0.20 cashback
- Welcome 500 RP on ₹5,000 spend within 60 days of issuance
- Up to 3 lifetime-free add-on cards (spouse, parents, siblings, kids 18+)
- Smart EMI option on ₹2,500+ transactions (6-48 month tenures)
- Eligibility: Indian resident, 25-55 years (BOBCARD discretion on age cut-offs)
- No lounge access
- Base earn weak outside accelerator categories
- Redemption value modest (₹0.25/point)
- BOB app UX is below private-bank standards
Fees & charges
| Item | Charge |
|---|---|
| Joining fee | ₹0 (LTF) |
| Renewal fee | ₹0 (LTF) |
| Finance charge | 3.4% p.m. |
| Cash advance fee | 2.5% (min ₹500) |
| Forex markup | 3.5% |
| Late payment fee | Up to ₹1,300 |
Rewards structure
Earn 5 RP per ₹100 on groceries, departments and utilities (5% headline, 1.25% at ₹0.25/point). Other spends 1 RP per ₹100 (0.25%). Fuel gets 1% surcharge waiver.
Key benefits
- Lifetime free — no fees ever
- 5× on groceries, big-box retail and utility bills
- RuPay UPI-linkable (on RuPay variant)
- Balance transfer offers at ~1% monthly
- EMI on spends ₹2,500+
Who the Bank of Baroda Easy is for
BOB salary-account customers and first-time card users. If your monthly spend is ₹10-20K on groceries/utilities, the 5× accelerator nets ₹600-1,200 annual cashback — meaningful on a free card.
Final verdict
A solid lifetime-free option from a PSU issuer. Less aggressive than IDFC First Millennia but more accessible (PSU issuance criteria are gentler). Good as a secondary card for daily groceries.
FAQ
Is BOB Easy the same card as BOB Premier?
No — Easy is LTF with modest perks; Premier is ₹1,000/year with lounge access and higher credit limits.
Can non-BOB customers apply?
Yes — BOB issues to non-customers subject to income proof (₹15K+ monthly net).
Does Easy card have a credit limit?
Yes — typically ₹50K-₹2L depending on eligibility. Higher for BOB salary customers.
Fees and features verified against the issuer's public website. Benefits may vary; always confirm current terms with the issuer before applying.