The verdict
An economical entry-level shopping card for budget-conscious households. Earning 5X rewards on everyday departmental groceries and cinema bookings paired with an easily achievable ₹35,000 yearly waiver makes it a zero-friction card to maintain.
Spending ₹10,000/month (₹4,000 departmental store groceries + ₹1,000 movies + ₹5,000 general retail) yields 250 accelerated points + 50 base points = 300 points/month (3,600 points/year worth ₹720 in statement cashback). Annual spending of ₹1,20,000 easily surpasses the ₹35,000 threshold to waive the ₹500 fee, delivering a net positive gain of ₹720 with zero out-of-pocket cost.
If annual spend falls below ₹35,000, the ₹500 + 18% GST (₹590) fee will be levied. On purely non-accelerated offline retail spends, the 0.20% return (1 point per ₹100) is modest compared to 1% flat cashback cards.
✓What works
- +5X Reward Points (5 points per ₹100 spent = 1.0% return) on departmental stores and cinema tickets.
- +500 bonus welcome reward points upon spending ₹5,000 within 60 days of card issuance.
- +Low fee waiver threshold of ₹35,000 annual spend to waive the ₹500 renewal fee.
- +1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹250 per statement cycle).
- +Up to 3 lifetime free add-on cards for family members above 18 years.
- +Direct point redemption against card statement balance at 1 Point = ₹0.20.
✕What doesn't
- −Accelerated 5X rewards are capped at 1,000 Reward Points per statement cycle.
- −Base reward rate on general retail purchases is 0.20% (1 point per ₹100).
- −No complimentary domestic or international airport lounge access.
What it earns
1 Reward Point = ₹0.20 when redeemed for statement cashback or vouchers.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Departmental Stores & Groceries (5X) | 1.0% (5 Points / ₹100) | 1,000 Points / month | 1,000 Points (₹200 value) |
| Movie Ticket Purchases (5X) | 1.0% (5 Points / ₹100) | 1,000 Points / month | 1,000 Points (₹200 value) |
| All Other Domestic Retail Spends | 0.20% (1 Point / ₹100) | Uncapped | 200 Points (₹40 value) |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
5X Rewards on Departmental Stores & Cinema
Earn 5 points per ₹100 on grocery supermarkets and entertainment.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Departmental Stores5 points per ₹100 spent on supermarket & departmental store MCCs. | 5× · 1.0% | 1,000 Points / month | — |
| Movies & Cinema5 points per ₹100 spent on movie ticket bookings. | 5× · 1.0% | 1,000 Points / month | — |
Redemption options
Redeem accumulated reward points directly as statement cash credit on the BOBCARD portal.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Direct Statement CashbackBEST VALUE | ₹0.20 / Reward Point | 500 pts | None | Nil |
| Brand Vouchers & Catalog | ₹0.20 / Reward Point | 500 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Departmental stores, supermarket chains, and hypermarket retail counters.
- +Online and offline movie ticket booking platforms and cinema multiplexes.
- +General utility, dining, and e-commerce shopping.
✕Excluded Spends & Fee Traps
- −Fuel transactions (eligible for 1% surcharge waiver only).
- −Cash advance withdrawals and wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹500 + GST (Waived on ₹6,000 spend in first 60 days) |
| Annual Renewal Fee | ₹500 + GST (Waived on ₹35,000 annual spend) |
| Finance Charges (Interest Rate) | 3.49% per month (41.88% per annum) |
| Foreign Currency Markup | 3.50% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹400 to ₹5,000 transactions (Max ₹250/cycle) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 21 to 65 years (Primary cardholder) |
| Minimum Annual Income | ₹3,00,000+ per annum (Salaried or Self-Employed) |
| Credit Score (CIBIL) | 720+ recommended for smooth approval |
Frequently Asked Questions
Does BOBCARD EASY offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for BOBCARD EASY?
What is the reward rate and point redemption value on BOBCARD EASY?
Which transactions are excluded from earning rewards on BOBCARD EASY?
Who is BOBCARD EASY best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: BOBCARD EASY
BOBCARD EASY is Bank of Baroda’s foundational entry-level retail credit card, created to give salaried beginners, young professionals, and cost-conscious households an accessible, low-friction entry into formal credit. Issued on Visa and RuPay payment networks with a nominal annual fee of ₹500 + GST, the card features highly attainable dual spend waivers: the joining fee is reversed on spending ₹6,000 within the first 60 days, and the annual renewal fee is waived on spending just ₹35,000 in a card anniversary year.
Tailored for routine domestic lifestyle patterns, BOBCARD EASY focuses its reward mechanics on regular high-frequency categories. Cardholders earn 5X accelerated reward points (5 points per ₹100 spent = 1.0% effective return) on departmental stores and cinema movie tickets, 1 reward point per ₹100 on other retail purchases, 1% fuel surcharge waiver, and the option to redeem points directly for statement credit or brand vouchers.
Key Privileges and Practical Everyday Benefits
- 5X Accelerated Points on Departmental Stores & Movies: Earn 5 reward points for every ₹100 spent (1.0% effective return at 1 point = ₹0.20) at supermarket departmental stores and movie theaters across India.
- Dual Frictionless Fee Waivers: Spend ₹6,000 within the first 60 days of card issuance to get the ₹500 joining fee waived, and spend just ₹35,000 annually to waive the ₹500 renewal fee.
- Dependable Everyday Base Returns: Earn 1 reward point per ₹100 spent (0.20% return) on all other eligible domestic point-of-sale swipes and online transactions.
- Flexible Statement Credit Redemptions: Accumulate reward points without hassle and redeem them directly for card statement cashback credit or popular shopping gift vouchers via BOBCARD Rewards.
- Fuel Surcharge Waiver & Free Add-on Cards: Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹250 per month) alongside up to 3 complimentary lifetime free add-on cards for family members.
Important Terms and Spend Conditions to Keep in Mind
- Accelerated Category Cap: 5X accelerated reward points are capped at 1,000 reward points per billing cycle on departmental stores and movie purchases.
- Excluded Spend Categories: Fuel transactions, cash advances, wallet top-ups, and rent payments do not earn reward points.
- Airport Lounge Non-Inclusion: The Easy tier does not offer complimentary domestic or international airport lounge visits.
- Low Fee Waiver Benchmark: The ₹35,000 annual spend waiver applies strictly to eligible settled retail transactions within the anniversary year.
- Standard Finance Charges: Revolving unpaid statement balances attract standard interest charges of 3.49% per month (41.88% per annum).
Who Benefits Most
- First-Time Cardholders & Starters: Young salaried individuals and college graduates looking to build a clean CIBIL credit score with a major public sector bank.
- Budget Households: Families seeking an easily attainable fee waiver threshold of just under ₹3,000 monthly spend.
- Everyday Departmental Shoppers: Spenders who make regular weekend grocery runs and cinema outings.
- Bank of Baroda / BOBCARD — Easy Credit Card official schedule of charges
- BOBCARD Rewards — 5X accelerated departmental store & movie reward points terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).