Bank of Baroda Easy Credit Cards: Features, Benefits, and Annual Charges

Apply Now

Card Fees

₹500/-

Joining Fees

₹500/-

Annual Fees

3.5%

Foreign Transaction Fee

3.25%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-60

Minimum & maximum age criteria

20,000/-

Minimum monthly income

750

Minimum credit score

Category

Minimum Credit Score Required

750

Annual Charges

₹500/-

Features

  • 5X Rewards on Movies & Groceries
  • 1% Fuel Surcharge Waiver
  • Free Add-on Cards (up to 3)

Welcome Offer

  • Joining Fee Waiver on ₹6K Spend
  • Annual Fee Waiver on ₹35K Spend
  • Reward Points Redeemable for Cashback

Bank of Baroda Credit Cards: Features, Benefits, and Annual Charges

Bank of Baroda offers a wide range of credit cards designed to make your shopping, dining, and travel more rewarding. These credit cards come with many exciting features like cashback, rewards, and low-interest rates. In this blog, we’ll take a look at the key features, benefits, eligibility, and annual charges for Bank of Baroda credit cards.

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  1. Quick and Simple Application
    • Bank of Baroda makes it easy to apply for a credit card with a quick approval process.Low Interest Rates
    • Enjoy affordable usage with competitive interest rates on your credit card.
  2. Flexible Credit Limit
    • The credit limit depends on your income and credit score, helping you manage your spending effectively.
  3. Reward Points on Every Purchase
    • Earn points every time you use your Bank of Baroda credit card. These points can be redeemed for exciting rewards like shopping vouchers and discounts.

 

Benefits of BOB Financial Easy Credit Card: 

  1. Cashback Offers
    • Enjoy cashback on categories like fuel, groceries, and online shopping.
  2. Airport Lounge Access
    • Certain Bank of Baroda credit cards provide free access to airport lounges, making your travel experience more comfortable.
    • Zero Annual Fee
    • Some credit cards from Bank of Baroda don’t have an annual fee, making them affordable for everyone.
  3. Exclusive Discounts.
    • Get special discounts on dining, shopping, and entertainment when using your Bank of Baroda credit card

Fees and Charges

Pro and Cons:

Pros:

  • No Annual Fees: You don’t have to pay to get or keep this card.
  • Reward Points:
    • Get 5 reward points for every ₹100 spent on movies, groceries, and department stores (up to 1,000 points per month).
    • After that, you get 1 point for every ₹100 spent in these categories.
    • Get 1 point for every ₹100 spent on everything else.
  • Fuel Discount: Save 1% on fuel purchases between ₹400 and ₹5,000 (up to ₹250 per month).
  • UPI Payments: Link the card to UPI apps and earn points when you pay.
  • Fraud Protection: If someone uses your card without permission, you won’t be responsible if you report it within 24 hours.

Cons:

  • Low Value Rewards: 1 reward point is worth only ₹0.25.
  • No Travel Benefits: No free airport lounge access or discounts on travel.
  • Extra Fees on Foreign Purchases: 3.5% fee on international transactions.
  • High Interest: If you don’t pay your bill on time, you’ll be charged 3.25% per month (39% per year).

How to Apply

Apply Now
  1.  Online Application
    • Visit the official Bank of Baroda website or use the Bank of Baroda mobile app to fill out the credit card application form.
  2. In-Branch Application
    • You can visit your nearest Bank of Baroda branch to apply in person.
    • Once your application is submitted, the bank will assess your eligibility based on your documents and credit history. If approved, your credit card will be issued.

Additional Information

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  1. What is the joining fee for the Bank of Baroda Easy Credit Card?
    • The joining fee is ₹500 + GST, which is waived if you spend ₹6,000 within the first 60 days of card issuance.
  2. How can I waive the annual fee?
    • The annual fee of ₹500 + GST is waived if you spend ₹35,000 in a year.
  3. What are the reward points earning rates?
    • Earn 5 reward points per ₹100 spent on online shopping, dining, and utility bills, and 1 reward point per ₹100 spent on other categories
  4. Are there any fuel surcharge waivers?
    • Yes, you get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle
  5. Can I get add-on cards?
    • Yes, you can get up to 3 lifetime free add-on cards for your family members.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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