This is the best option for those who are new to credit cards or have limited credit history as the card provides you good benefits on departmental store grocery expenses. Bank of Baroda Easy Credit Card is issued by Bank of Baroda.
CardType: Cashback
Rewards:
- It gives you 1 reward point for every Rs 100 spent.
- You can earn 5x more reward points if you spend on departmental store merchandise and movie tickets (up to a maximum of 1000 points per month).
Fees:
- Joining Fee: 500 + Applicable Taxes
- if you spend ₹6,000 within the first 60 days of card issuance
- Annual Fee: 500 + Applicable Taxes
- if you spend ₹35,000 in a year your Annual Fee Waive off
- Free lifetime add-on cards for up to 3 family members.
Benefits:
- Fuel surcharge waiver: 1% discount on fuel surcharge for transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).
- personal Accidental Death Cover: In-built Personal Accidental Death Cover for Financial Protection.
- Revolving credit facility: Pay the minimum amount due and manage your spending at your convenience.
- Contactless payment: Contactless payment option for faster and more secure transactions.
Other Points:
- Interest Rates: Apply for details on applicable interest rates [Bank of Baroda Easy Credit Card ON Bank of Baroda bobfinancial.com].
- Minimum spending requirements for a fee waiver.
- Convert your expenses into easy installments (above Rs 2500)
Pros and Cons
Pros:
- Annual Fee Waiver: When you spend more than the limit.
- Reward Points on Everyday Spending: Earn points for bonuses and everyday purchases at groceries, department stores, and movies.
- Fuel Surcharge Waiver: Get a small discount on fuel surcharge, which can be helpful for frequent drivers.
- EMI Option: Convert larger purchases into manageable monthly installments.
- Zero Liability Protection: Offers protection against fraudulent transactions if your card is lost or stolen.
- Free Add-on Cards: get add-on cards for family members.
Cons:
- Low Reward Rate: It gives you very few reward points compared to other cards
- Limited Reward Categories: Most of the bonuses on this card are available only in select categories.
- Lower Benefits Compared to Premium Cards: Premium features like airport lounge access or travel insurance are not available with this card.
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Disclaimer
We have collected information about the Bank Of Baroda Easy Credit Card from the Bank of Baroda website and the Internet. If there is any change in the fees, rewards, or other features of this credit card in the future, then CredBanking will not take any responsibility for this.