Introducing the Bank of Baroda Easy Credit Card: A Convenient Way to Pay

Welcome to your comprehensive guide on the Bank of Baroda Easy Credit Card, your ticket to financial flexibility and hassle-free shopping experiences! If you seek a simple way to manage your finances and make purchases without having cash in hand, this Easy Credit Card is here to help. It’s like a small loan from the bank that you can use to buy things and pay back later. But sometimes, credit cards can be puzzling with all their fees and conditions. That’s where the Bank of Baroda (BoB) Easy Credit Card makes life easier for you. This article guides how this simple yet powerful card can benefit you.

Securing Your Finances with Bank of Baroda: The Easy Credit Card Advantage

The entry-level Bank of Baroda Easy Credit Card caters to the needs and preferences of individuals. Take a glance at the features and benefits it offers for its customers.

Insurance benefits

accidental death cover for the primary credit cardholder

UPI Enabled

link your card to your UPI application like Google Pay and earn base Reward Points on UPI spends

Zero Liability Protection

Cardholders must notify the bank within 24 hours about the loss of the card or any other fraudulent transactions to avail of this benefit.

Easy EMI Option

Users can easily convert their purchases worth more than Rs. 2,500 into convenient EMIs of 6 or 12 months, helping them manage their expenses.

Interest-Free Period

enjoy an interest-free period of up to 50 days on purchases. So, you get the time to repay the borrowed amount without incurring interest charges.

Fee Reversal

 spend Rs. 6,000 in 60 days and Rs. 35,000 in 365 days for reversal of annual fees

Enhanced Security

This Easy Credit Card offers advanced security features like EMV chip technology, PINs, and SMS alerts which can keep your money and details safe. Hence, you can have peace of mind knowing that with this trusted companion, your transactions are secure.

Other Benefits

get 3-lifetime free add-on cards for the primary cardholder’s immediate family (spouse, siblings, parents, or children above 18).

How BoB Easy Credit Card Works for You: Understanding Rewards, Fees, and Charges

Reward Offers & Redemption

The Bank of Baroda Easy Credit Card also offers a rewards program where you earn points for every rupee you spend using the card. Moreover, you can redeem the reward points as cashback, exciting vouchers, and discounts on partner merchants. Thus, it is like getting a little bonus for using the card.

earn 5x reward points for every Rs. 100 spent on movies, groceries, and departmental stores
earn 5x reward points (up to 1000 a month) on select categories
1 reward point for every Rs. 100 spent using the card
earn 0.5% cashback on the payment of the card bill
1 Reward Point= Rs. 0.25

CHARGES	AMOUNT
Joining Fee	Rs. 500
Renewal Fee	Rs. 500
Fuel Surcharge Waiver	1% fuel surcharge waiver at gas stations across India for transactions ranging from Rs. 400 to Rs. 5,000
Interest Rate	3.25% per month or 39% per annum
Foreign Currency Markup	3.5% of the total transaction amount
Cash Advance	2.5% of the transaction amount (minimum of Rs.300) for Domestic ATMs3% of the transaction amount (minimum of Rs.300) for International ATMs
Unblocking Fee	Rs. 300
Card Replacement	Rs. 100

 How to Obtain Bank of Baroda Easy Credit Card- eligibility and application process

Who Can Apply?

To apply for the BoB Easy Credit Card, you must meet the eligibility criteria, including:

Age	18 years and over
Nationality	Indian citizen
Employment Status	Self-employed or Salaried
Credit Score	Decent Credit Score (750+)
Income	over 3 lakhs per annum (for salaried)over 25 lakhs per annum (for self-employed)

How to Apply?

Applying for the Bank of Baroda Easy Credit Card is straightforward. Follow these simple steps:

apply online (app or website) or visit your nearest Bank of Baroda branch
fill out an application form with personal details like name, proof of identity, address, and income
Submit necessary documents authenticating your details with the application form to the bank for processing
If approved, you will receive your BoB Easy Credit Card shortly

What Documents Do You Require?

IDENTITY PROOF	ADDRESS PROOF	INCOME PROOF
Aadhar Card	Aadhar Card	Salary Slip
Voter ID	Voter ID	Form 16
Driving License	Passport	IT Returns
	Ration Card	Bank Statement

Have a look at other cards similar to the Bank of Baroda Easy Credit Card:

CREDIT CARD	FEE	FEATURE
Axis Bank My Zone Credit Card	Rs. 500	25% cashback on movie tickets booked with Paytm
HSBC SmartValue Credit Card	Rs. 499	up to 3 Reward Points for every Rs. 100 spent
ICICI Amazon Pay	Nil	Earn up to 5% cashback
HDFC Moneyback Credit Card	Rs. 500	2 Reward Points for every Rs. 150 spent

Final Thoughts

The Bank of Baroda Easy Credit Card offers a convenient and hassle-free way to make payments for your everyday expenses. With an easy application process, quick approval, and flexible repayment options, it offers great value to cardholders. Moreover, this card helps you meet your financial needs while earning rewards for your spending. However, using your card responsibly and understanding its terms and conditions is crucial to capitalize on its benefits. By making timely payments and keeping track of your spending, you can make the most out of your credit card while avoiding unnecessary debt. Thus, if you’re looking for a cost-effective solution for managing your finances, consider applying for this Easy Credit Card today.