All Cards
rupaybasiccredit
BOBCARD Easy Credit Card
Bank of Baroda
shoppingfood
Annual Fee
FREE
Joining Fee
Lifetime Free (Till 31st March 2026)
Base Reward
1% points
Foreign Markup
3.5%
Interest Rate
3.75% per month
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
Rewards
Earn 5 Reward Points on spending Rs. 100 on movies, groceries, and departmental stores. Earn 1 Reward Point on all other categories.
Redemption
1 reward point is equivalent to ₹0.20
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
entertainment | 5%(5X Reward Points on Movies) | No cap |
grocery | 5%(5X Reward Points on Groceries) | No cap |
other | 1%(1 Reward Point on Other Categories) | No cap |
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)
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Cash Advance2.5% of the Amount Withdrawn or ₹500 (Whichever is Higher)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 years
Available Networks
rupay
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