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Bank of Baroda

BOB Easy Credit Card

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Annual Fee

₹500

Reward Type

Cashback

Forex

2%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹500

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Redemption Values

vouchers₹0.2/pt

Travel & Global

Forex Markup2%
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkDreamfolks

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

PNB Rupay Select (92%) →RBL ShopRite (88%) →Paytm SBI Credit Card (88%) →IDFC First Classic Credit Card (87%) →IDFC First Millennia Credit Card (87%) →

💡 Fee Waiver Strategy

Spend ₹50,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 1%, you need to spend ₹50,000 annually.

🎯 Pro Tips

  • ▸Use for online shopping to maximize cashback.
  • ▸Pay utility bills to earn additional rewards.
  • ▸Use for fuel purchases to benefit from surcharge waiver.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹11,500

Effective Rate

1.0%

Ranked #82 of 173 cards#82

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

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