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EASY

Product Details
Credit Card Name : 

EASY

Bank Name :

Bank of Baroda

Type :

Lifestyle Credit Card

Interest Rate : 

Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).

Eligibility :

Indian Resident
Age group: 18-70 years.

EASY
Pros
  • Reward System: 5 Reward Points for every Rs. 100 spent on Departmental stores, Movie spends, 1 reward point for every Rs. 100 spent on other categories, and 0.5 reward point for every Rs. 100 spent on Selected categories. 

  • Other Benefits: Spend INR 6,000 within 60 days and INR 35,000 in a year for reversal/waiver of annual fee. 

Cons
  • Limited Offers available. 

  • Low reward point value. 

  • No welcome benefit 

  • No reward points on fuel transactions

Pros & Cons
Welcome Benefits
NONE
Rewards System
  • 1 reward point for every Rs. 100 spent on other categories 

  • 1RP = 0.25 paisa 

  • Effective Cashback Rate = 1.5% 

  • 5X i.e. 5 Reward Points for every Rs. 100 spent on Departmental stores, Movie spends

International Forex Markup
3.50% of the transaction amount
Welcome Benefits and Reward System
Special Features
None
Eligibility Criteria

Indian Resident
Age group: 18-70 years.

Benefits


  • Fuel surcharge waiver

  • Annual fee waiver

  • Free add-on cards

  • Zero liability on lost card

  • 5X Rewards

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Here are the steps on how to apply for Bank of Baroda's EASY credit card: 

  • Visit the Bank of Baroda website and click on the "Apply for Credit Card" link. 

  • Select the "EASY Credit Card" from the list of credit cards. 

  • Enter your personal details, such as your name, address, and contact information. 

  • Upload a scanned copy of your PAN card and latest salary slip. 

  • Submit your application. 

  • You will also need to provide your Aadhaar number and e-sign your application. 

  • You can do this by visiting a Bank of Baroda branch or by using the Aadhaar e-Sign service. 

  • The bank will review your application and will let you know the status within a few days. 

  • If your application is approved, you will receive your credit card in the mail within a few weeks.

Contact Details

Call at 1800 225 100
Website: https://www.bobfinancial.com/easy-card.jsp

Account Opening and Procedure
EASY

Unlock savings and rewards effortlessly with the Bank of Baroda Easy Credit Card. Boasting a lifetime fee waiver, it grants 5x reward points on movies, groceries, and select purchases, complemented by 0.5% cashback on bill settlements. Experience a 1% fuel surcharge waiver, flexible EMIs, and robust security features.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
Joining Fee: Nil Annual Joining Fee: Nil Cash Advance Charges: 2.5% or ₹300/- (Whichever is higher) Late Payment Fees: Outstanding 10000- Rs. 750/- Interest Rate: 3.25% p.m. (39% Annualized Percentage Rates). Foreign Currency Transaction fee: 3.50% of the transaction amount.
Fuel Surcharge
Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (Max. Rs. 250 per statement cycle).
Billing Cycle

30 days

Fees & Charges
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