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BOBCARD Easy Credit Card

Bank of Baroda

BOBCARD Easy Credit Card

rupaybasiccreditshoppingfood

Annual Fee

₹590₹500 + GST

Base Reward

1% points

Foreign Markup

3.5%

Apply Now
4.4/5
VerifiedLast updated 26 May 2026

Welcome Benefits

500 Reward Points on Spends of ₹5,000 Within 60 Days of Card Issuance

Product Highlights

  • Lifetime free for a limited time period
  • Earn 5X reward points on selected merchant categories like groceries, departmental stores, movies, etc.
  • Earn 1 reward point on other categories
  • UPI Enabled

Category Rewards

Specialty

5X on departmental stores & movies

5X

entertainment

5X on departmental stores & movies

5X

Reward Calculator

Earns ₹10/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹13K

across all your buckets

Points / yr

3K

BOBCARD Reward Points

Best worth

₹600

via standard · ₹0.2/pt

Effective rate

0.38%

Annual fee

₹590

Year 1 net

+₹10

Year 2+ net

+₹10

ongoing

Adjust your spend by reward bucket

2 buckets
1.00%5X on departmental stores & movies
₹3,000/mo
Earns 150 bobcard reward points / mo≈ ₹30 worth/mo
0.20%All other spends
₹10,000/mo
Earns 100 bobcard reward points / mo≈ ₹20 worth/mo

Real Reward Ceiling

Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.

5X on departmental stores & movies

Headline: 1.00% effective

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, rent, wallet, emi, cash advance, government

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

Earn 5 Reward Points on spending Rs. 100 on movies, groceries, and departmental stores. Earn 1 Reward Point on all other categories.

Reward Points — Redemption Value
  • 1 reward point is equivalent to ₹0.20

Benefits & Features

Waiver of 1% fuel surcharge on fuel transactions between Rs. 400 – Rs. 5000 at all petrol pumps all across India (Maximum Rs. 250)

Pros & Cons

Pros

  • Lifetime free annual fee
  • 5X reward points on movies, groceries, and departmental stores
  • 0.5% cashback on card bill payment

Cons

  • No travel benefits
  • Limited to RuPay network

Additional Info

Earn 5x reward points of up to 1000 in a month on selected merchant categories. After the capped limit is exceeded, you will earn 1 reward point on further spending in that month.

Partner Merchants

moviesgroceriesdepartmental stores

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual FeeFREE
Joining FeeLifetime Free (Till 31st March 2026)
Foreign Markup3.5%
Interest Rate3.75% per month
Cash Advance2.5% of the Amount Withdrawn or ₹500 (Whichever is Higher)
Redemption FeeNil

Eligibility

Min Age

21 yrs

Networks

rupay