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BOBCARD Easy

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Bank of Baroda RuPay Entry

Join / Annual

₹0/₹500

Base Rate

1.0%

Reward Type

Points

Overview

The BOBCARD Easy is a Entry credit card issued by Bank of Baroda on the RuPay network. It offers a base reward rate of 1.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹500
Eligibility: Min. annual income of ₹3.6 Lakhs (salaried) or ₹4.8 Lakhs (self-employed), CIBIL ≥ 700.

Reward Rates & Cashback Rules

  • CATEGORY – Movies: 5.0% cashback | monthly cap ₹200.0 ⚠️ Accelerated earning is capped at 1,000 points per month across Movies & Departmental Stores. Spends beyond the cap earn 1 point per ₹100.
  • CATEGORY – Departmental Stores: 5.0% cashback | monthly cap ₹200.0 ⚠️ Accelerated earning is capped at 1,000 points per month across Movies & Departmental Stores. Spends beyond the cap earn 1 point per ₹100.
  • CATEGORY – Hotels: 10.0% cashback | via BOBCARD SmartDeal
  • CATEGORY – Flights: 4.0% cashback | via BOBCARD SmartDeal
  • CATEGORY – Utilities: 1.0% cashback ⚠️ Includes Telecom services (MCC 4814).
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points are earned on fuel transactions.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points are earned on wallet loading transactions. A 1% processing fee is also levied.
  • CATEGORY – EMI: 0.0% cashback ⚠️ Transactions converted to EMI are not eligible for reward points.

Key Features & Benefits

  • Welcome Benefit 🎁: 500 Reward Points on spending ₹5,000 within 60 days of card issuance.
  • Fuel Surcharge Waiver ⛽: 1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
  • Free Add-on Cards 👨‍👩‍👧‍👦: Up to 3 lifetime-free add-on cards for family members.
  • Easy EMI Conversion 🔄: Convert purchases over ₹2,500 into EMIs of 6 to 48 months.
  • Personal Accident Insurance 🛡️: Complimentary personal accidental death insurance cover.

Eligibility Criteria

Min. annual income of ₹3.6 Lakhs (salaried) or ₹4.8 Lakhs (self-employed), CIBIL ≥ 700.

Features & Benefits

🎁

Welcome Benefit

500 Reward Points on spending ₹5,000 within 60 days of card issuance.

⛽

Fuel Surcharge Waiver

1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

👨‍👩‍👧‍👦

Free Add-on Cards

Up to 3 lifetime-free add-on cards for family members.

🔄

Easy EMI Conversion

Convert purchases over ₹2,500 into EMIs of 6 to 48 months.

🛡️

Personal Accident Insurance

Complimentary personal accidental death insurance cover.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Movies
Reward: 5.0% Monthly Cap: ₹200.0
⚠️ Exceptions: Accelerated earning is capped at 1,000 points per month across Movies & Departmental Stores. Spends beyond the cap earn 1 point per ₹100.
5%
Departmental Stores
Reward: 5.0% Monthly Cap: ₹200.0
⚠️ Exceptions: Accelerated earning is capped at 1,000 points per month across Movies & Departmental Stores. Spends beyond the cap earn 1 point per ₹100.
5%
Hotels Via BOBCARD SmartDeal
Reward: 10.0%
10%
Flights Via BOBCARD SmartDeal
Reward: 4.0%
4%
Utilities
Reward: 1.0%
⚠️ Exceptions: Includes Telecom services (MCC 4814).
1%
Fuel Exclusion
⚠️ Exceptions: No reward points are earned on fuel transactions.
Wallet Load Exclusion
⚠️ Exceptions: No reward points are earned on wallet loading transactions. A 1% processing fee is also levied.
EMI Exclusion
⚠️ Exceptions: Transactions converted to EMI are not eligible for reward points.

Value Chart

Assuming basic spends for BOBCARD Easy

Category BOBCARD Easy Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹500 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		1.0% 1.0% 1.0% 1.5%
★
Known Rules 		8 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + Movies — 5.0% Points (cap ₹200.0)
  • + Departmental Stores — 5.0% Points (cap ₹200.0)
  • + Hotels — 10.0% Points
  • + Flights — 4.0% Points
  • + Utilities — 1.0% Points
  • + Welcome Benefit
  • + Fuel Surcharge Waiver
  • + Free Add-on Cards
  • + Easy EMI Conversion
✗

Cons

  • − No reward on Fuel — No reward points are earned on fuel transactions.
  • − No reward on Wallet Load — No reward points are earned on wallet loading transactions.
  • − No reward on EMI — Transactions converted to EMI are not eligible for reward po
  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 1.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹3000

Annual Fee

₹500

Net Value

+₹2500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

One reward point is equivalent to ₹0.20 when redeemed for cashback.

The annual fee of ₹500 is waived if you spend ₹35,000 or more in the preceding year. The joining fee is also waived on spending ₹6,000 within the first 60 days.

No, fuel transactions and wallet loads are excluded from earning reward points. However, a 1% fuel surcharge waiver is available, capped at ₹250 per month.

You earn 5 Reward Points per ₹100 spent on movie tickets and at departmental stores. This is capped at a total of 1,000 points per monthly statement cycle.

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