M16S / Bank of Baroda / Bank of Baroda BOBCARD Easy
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Bank of Baroda BOBCARD Easy
The Bank of Baroda BOBCARD Easy costs Rs 500 a year, waived if you spend Rs 35,000 in a year. Its base return is 0.25% (1 RP per Rs 100). Accelerated earn: 5 RP per Rs 100 (5X) on departmental store and movie spends (aggregator adds groceries). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 500+ GST
- Fee waived at
- Rs 35,000annual spend
- Base return
- 0.25%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on bobcard.co.inOpens the bank’s own page.
Fees
| Joining fee | Rs 500 |
|---|---|
| Annual fee | Rs 500 |
| Annual spend that waives the fee | Rs 35,000 |
| Fee notes | Joining fee Rs 500 waived on Rs 6,000 spend in first 60 days. Annual fee Rs 500 waived on Rs 35,000 spend in the anniversary year. |
Rewards
| Welcome benefitunverified | 500 RP on Rs 5,000 spend within 60 days of issuance (aggregator) |
|---|---|
| Reward currency | BOBCARD Reward Points |
| Base earnunverified | 1 RP per Rs 100 |
| Base returnunverified | 0.25% |
| Point valueunverified | Not printed on this card's product page. BOBCARD's Premier, Tiara and co-brand pages give Rs 0.25 per point; an aggregator quotes Rs 0.20 for this card (the issuer's Prime page also uses Rs 0.20). |
| Accelerated earn | 5 RP per Rs 100 (5X) on departmental store and movie spends (aggregator adds groceries) |
| Caps | 5X earn capped at 1,000 RP per statement cycle; further spends earn the regular rate |
| Spends that earn nothing | Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points. |
| Points expiry | No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC) |
| Reward notes | base_return_pct = 1 RP x Rs 0.25 / Rs 100 = 0.25% best case; 0.20% if the point is worth Rs 0.20. 5X categories return 1.0-1.25% until the cap. Aggregator says certain MCCs earn only 0.5 RP per Rs 100. Accelerated categories are from Bank of Baroda's card listing; the base rate is from an aggregator. |
Travel and perks
| Domestic loungeunverified | None (aggregator) |
|---|---|
| International loungeunverified | None (aggregator) |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points |
| Other freebies | No complimentary insurance on this card (MITC) |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher |
| Eligibility | Indian resident; salaried above Rs 3 lakh p.a., self-employed above Rs 3.6 lakh p.a.; age 21-65 |
| Fine-print notes | MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. The issuer's pages advertise a 'limited period lifetime free' offer on this card (one page cites 31 March 2026 as the end date, an aggregator cites June 2026); standard fees are recorded here, so check whether the offer is still live. An FD-backed version of this card exists (MITC lists Easy/Select/Premier FD-backed at nil joining and annual fee). |
Questions
- What is the annual fee of the Bank of Baroda BOBCARD Easy?
- Rs 500 a year, before GST. It is waived if you spend Rs 35,000 in a year.
- Does the Bank of Baroda BOBCARD Easy give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Bank of Baroda BOBCARD Easy?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Bank of Baroda BOBCARD Easy?
- Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.