BOB Easy Credit Card

The card has the below-mentioned highlights:

The significant merits of this credit card are as follows:

1. Daily Spend Rewards: You can earn 5X i.e. 5 Reward Points for every Rs. 100 spent on departmental stores and movie tickets in any movie theatre.
2. Fuel Spend Rewards: There is a 1% fuel surcharge waiver at gas stations nationwide for transactions ranging from Rs. 400 to Rs. 5,000.
3. Reward Redemption Options: The reward points earned on the card can be redeemed as cashback and several other options. But, the maximum rewards are capped at 1,000 per billing statement.
4. EMI Options: A single spend of more than Rs. 2,500 can convert into easy EMIs of 6 months to 36 months. This ensures easier and smaller repayments of the credit borrowed through the card.
5. Charges Reversal: For a reversal of the annual fees, the user needs to spend Rs. 6,000 in 60 days and Rs. 35,000 in 365 days. 
6. Add-On Card: The bank provides three add-on cards, free for a lifetime. It can be available for the primary cardholder's spouse, siblings, parents, or children above 18.
7. Zero Liability: If the loss of the card is reported, then there is zero liability on all fraudulent transactions.
8. Interest-Free Facility: There is an interest-free period over credit usage within 50 days of the spend.
9. Revolving Credit Facility: Minimum amounts can be paid to finance spending according to the user's convenience.

The significant BoB Easy credit card charges are:

To apply for the Easy credit card from the Bank of Baroda, you will have to follow the steps mentioned below:

Step 1: Visit www.BoBfinancial.com/easy-card.jsp

Step 2: Click on Apply Now, & you will be redirected to a new page.

Step 3: Fill in all of the required fields. 

Step 4: Complete your KYC.

Step 5: E-sign the credit card application and click on proceed.

After you click submit, you will find an acknowledgement sent to the details you applied with, and the bank will contact you in a couple of working days.

Alternatively, you can visit the nearest branch of the Bank of Baroda to apply for the credit card offline. Reach out to a representative and apply for the credit card with their assistance.

The essential documents required to apply for the Easy Card are:

• PAN Card Copy (Mandatory for all applicants)
• ID Proof (Aadhaar, Voter ID)
• Address Proof - Current (Utility Bill, Passport, Aadhaar)
• Income Proof (Pay Slip, ITR receipt, Bank Statement)

The BoB Easy credit card eligibility criteria is provided in the table below:

There are several other cards similar to the Bank of Baroda Easy Credit Card; you can have a look at them below: