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:

  1. Earn 1 reward point per Rs.100 spent; 5x points on grocery, departmental stores, and movies.
  2. Redeem points for cash back, exciting gifts, and vouchers.
  3. Pay credit card bill on time and receive 0.5% cash back in the next statement.
  4. Annual fee waiver if first 60-day spends total Rs.6,000 and Rs.35,000 in a year.
  5. 1% fuel surcharge waiver on transactions of Rs.400 to Rs.5,000 at all Indian petrol stations.
  6. Convert purchases over Rs.2,500 into 6 or 12-month EMIs.
  7. Up to three add-on cards for family members above 18 years.
  8. Free personal accidental death insurance.
  9. Zero liability on lost card if reported within 24 hours.
  10. Up to 50 days interest-free period.
  11. 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:

  1. Age eligibility: Candidates must be at least 21 years old.
  2. Income stability: A stable income source is crucial, whether through salaried employment or self-employment.
  3. 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:

  1. Prepare all necessary documents beforehand.
  2. Visit the official website at www.bobfinancial.com.
  3. Opt for the Bank of Baroda Easy Credit Card application.
  4. Complete the online application form by providing essential details.
  5. 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.