Bank of Baroda Easy Credit Card: Fees, Rewards & Benefits
Rewards card
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A budget RuPay card whose strengths are the easy Rs.35,000 fee waiver, a 0.5% on-time bill cashback and 5x on groceries and movies up to small caps. The 0.2% base earn and no lounge access keep it firmly entry-level.
Rewards card
The Bottom Line
The Bank of Baroda Easy is built for entry-level rupay user and grocery and movie spender. With a ₹500 annual fee that is waived on ₹35,000 yearly spend, it offers 1% rewards on departmental stores and 500 bonus points. It makes the most sense if your spending matches entry-level rupay user and grocery and movie spender.
It earns a base reward rate of 0.2% and stacks best when your spending lines up with Entry-level RuPay user, Grocery and movie spender. The renewal fee gets easier to justify once you can hit ₹35,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealFirst-time cardholders earning Rs.3 lakh+ who want a cheap card with an easy Rs.35,000 fee waiver and UPI-friendly RuPay access.
Those who spend on departmental stores and movies and can use the 5x rate up to the 1,000-point monthly caps.
Probably not for
SkipNo lounge access and a 3.5% forex markup make this unsuitable for anyone who travels or spends abroad.
The 0.2% base earn and tight accelerated caps offer little for serious point collectors.
Is It Worth It For You?
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Reward Rates
Bank of Baroda Easy offers 0.2% basic reward rate.
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Welcome Offer
Earn 500 Reward Points on spends of INR 5,000 within 60 days of card issuance. Separately, the joining fee of INR 500 is reversed on spends of INR 6,000 within the first 60 days.
Milestone Benefits
Annual/renewal fee of INR 500 waived on spends of INR 35,000 in the card anniversary year.
Fees & Charges
Eligibility
- Min Income: ₹3.6 Lakhs
- Min Credit Score: 700
- Age 21-60; min annual income ₹3L salaried (existing customers) or ₹3.6L others; Visa/MC/RuPay; LTF offer available.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹500 annual fee. Apply on the Bank of Baroda website.
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