Bank of Baroda Easy Credit Card Review

Bank of Baroda Easy Credit Card is one of the best cards from Bank of Baroda. The card is loaded with special benefits and you are also rewarded with privileges and promised savings on every usage.

Bank of Baroda Easy Credit Card Benefits & Features

Reward Benefits

• 5x Reward Points on every Rs. 100 spent on groceries, movies, and departmental stores
• 1 Reward point for every Rs. 100 spent on other categories
  

Cashback Benefits

• 0.5% cashback on payment of card bill
  

Fuel surcharge waiver

• 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000
  

Extra Benefits

• 3 lifetime free add-on cards
• Report loss of card immediately to ensure zero liability on any fraudulent transactions
• Up to 50 days of interest free credit from the date of any purchase

Bank of Baroda Easy Credit Card Eligibility

• Primary cardholder must be age between 18 to 65
• Minimum annual income must be INR 4 lakh per annam
• Available both Salaried and Self-employed

Necessary Documents for BOB Easy Credit Card Application

The following documents are required for apply this card-

• PAN card
• Aadhaar card
• Latest salary slips/ Bank statement/ IT Returns/ copy as proof of income
• Residence proof -any one of the following:

1. Passport
2. Driving License
3. Voter ID Card
4. Aadhaar card

• Identity proof- any one of the following:

1. Passport
2. Driving license
3. Voter ID Card
4. Aadhaar card
5. PAN card

Bank of Baroda Easy Credit Card Charges & Fees

Type of Charge	Charges
Joining Fee	Based on card usage
Annual fee	Based on card usage
Cash withdrawal fee (Domestic ATMs)	2.5% of the transaction amount subject to a minimum of Rs.300
Cash withdrawal fee (International ATMs)	3.0% of the transaction amount subject to a minimum of Rs.300
Finance charges or interest	3.25% per month or 39% per annum
Duplicate bill fee	Rs.25 per request
Cheque return charges	2% of the cheque amount or Rs.300 whichever is higher
Over limit charges	1% if the usage exceeds the sanctioned credit limit per month
Card replacement charges	Rs.100 per request
Foreign currency transaction fee	3.5% of the transaction amount
Charge slip retrieval charges	Rs.250 per slip
Card de-blocking charges	Rs.300 per instance

Late Payment Charges

Total Amount due	Charges (Rs)
Rs. 0 – Rs. 100	Nil
>Rs. 100 – Rs. 500	100
>Rs. 500 – Rs. 1,000	400
>Rs. 1,000 – Rs. 10,000	600
>Rs. 10,000 – Rs. 25,000	800
>Rs. 25,000	950