{"id":85397,"date":"2026-03-03T16:31:56","date_gmt":"2026-03-03T11:01:56","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85397"},"modified":"2026-03-03T16:32:01","modified_gmt":"2026-03-03T11:02:01","slug":"bob-easy-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bob-easy-credit-card\/","title":{"rendered":"Shopping Made Rewarding with BOB EASY Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay \u20b9500 annual fee and earn reward points.<\/li>\n\n\n\n<li>Earn 5 reward points per \u20b9100 on category expenses.<\/li>\n\n\n\n<li>Get 500 welcome points after \u20b95000 initial spending.<\/li>\n\n\n\n<li>Convert \u20b92500 purchases into EMI for up to 48 months.<\/li>\n\n\n\n<li>Spend \u20b935000 yearly and get an annual fee waiver.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>BOB EASY Credit Card suits everyday shoppers who want rewards at a low cost. With a joining and annual fee of just \u20b9500, it offers value without heavy charges.<\/p>\n\n\n\n<p>You earn reward points, cashback, and shopping offers on regular spending. The card works well for beginners who want a simple rewards credit card.<\/p>\n\n\n\n<p>Let us explore the main benefits, features, and fees of the BOBCARD EASY Credit Card in detail.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#bob-easy-credit-card-benefits\">BOB EASY Credit Card Benefits<\/a><\/li><li><a href=\"#other-features-of-bob-easy-credit-card\">Other Features of BOB EASY Credit Card<\/a><\/li><li><a href=\"#bobcard-smart-emi-options-and-flexibility\">BOBCARD Smart EMI Options and Flexibility<\/a><\/li><li><a href=\"#bob-easy-credit-card-charges\">BOB EASY Credit Card Charges<\/a><\/li><li><a href=\"#bob-easy-credit-card-eligibility-requirements\">BOB EASY Credit Card Eligibility Requirements<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-easy-credit-card-benefits\"><strong>BOB EASY Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Easy-Benefits-1024x683.png\" alt=\"BOB EASY Credit Card Benefits\" class=\"wp-image-85399\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Easy-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Easy-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Easy-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Easy-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Easy-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>You begin by earning 500 reward points when you spend \u20b95000 within 60 days of card issuance. This welcome bonus gives you a quick start on rewards.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Shopping Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Get 5X reward points, which equals 5 points per \u20b9100 spent at departmental stores. Enjoy additional deals and discounts across partner brands during the year.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Movie Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Earn 5X reward points on movie ticket purchases. This helps you collect rewards faster on entertainment spending.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Base Rewards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Earn 1 reward point for every \u20b9100 spent on other eligible purchases. This ensures steady reward earnings on everyday expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"other-features-of-bob-easy-credit-card\"><strong>Other Features of BOB EASY Credit Card<\/strong><\/h2>\n\n\n\n<p>You can get the joining fee waived by spending \u20b96,000 within the first 60 days. The annual fee is also waived when you spend \u20b935,000 in a card anniversary year. Here are the other features of this credit card:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Fuel Surcharge Waiver<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Enjoy a 1% fuel surcharge waiver at fuel stations across India on transactions between \u20b9400 and \u20b95,000. The maximum waiver allowed is \u20b9250 per statement cycle.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Add-on Cards<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children with Bank of Baroda EASY cards.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Smart EMI Facility<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Convert purchases above \u20b92,500 into <a href=\"https:\/\/www.bobcard.co.in\/credit-card-easy-emi-payment-options\" target=\"_blank\" rel=\"noopener\">Smart EMI plans<\/a>. You can choose repayment periods ranging from 6 to 48 months based on your needs.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Security and Convenience<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Report a lost card immediately to avoid liability for unauthorised transactions. The card also supports secure contactless payments for quick and convenient transactions.<\/p>\n\n\n\n<p>\ud83d\udca1Choose a safe way to manage payments. Download the <a href=\"https:\/\/piceapp.com\/\"><em>Pice App<\/em><\/a> now for stronger security and compliance standards, and track your spending and pay credit card bills confidently without worrying about data safety!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bobcard-smart-emi-options-and-flexibility\"><strong>BOBCARD Smart EMI Options and Flexibility<\/strong><\/h2>\n\n\n\n<p>BOBCARD allows you to convert large purchases into manageable monthly payments through flexible EMI options.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Post Purchase EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Convert eligible retail transactions into EMIs via the BOBCARD portal or app that appear within 2 days. Gold, jewellery, fuel, and cash transactions are not eligible. A processing fee of about 2% applies with a minimum charge of \u20b9100.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Instant EMI<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Instant EMI lets you split payments directly at partner stores. Available tenure usually ranges from 2 to 36 months with a flat interest rate of 16%. Processing charges may vary between \u20b999 and \u20b9999 plus taxes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-easy-credit-card-charges\"><strong>BOB EASY Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The finance charges of the BOBCARD EASY is 3.75% per month, which sums up to 45% annually.<\/p>\n\n\n\n<p>Here is a <a href=\"https:\/\/www.bobcard.co.in\/most-important-terms-and-condition\/bobcard-mitc\" target=\"_blank\" rel=\"noopener\">list of other important charges<\/a> levied on this card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Foreign Currency Transaction<\/td><td>3.5%<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or \u20b9600 (whichever is higher)<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than 100 is NIL.For amounts ranging from \u20b9100 to \u20b950,000 and above, it ranges between \u20b9100 and \u20b91300.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-easy-credit-card-eligibility-requirements\"><strong>BOB EASY Credit Card Eligibility Requirements<\/strong><\/h2>\n\n\n\n<p>The basic requirement is that the applicants must be Indian residents. Salaried applicants must be between 21 and 60 years of age, while self-employed applicants must be between 24 and 65 years of age. Add-on cardholders must be at least 18 years old.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Income Criteria<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Applicant Type<\/strong><\/td><td><strong>Customer Type<\/strong><\/td><td><strong>Minimum Annual Income<\/strong><\/td><\/tr><tr><td>Salaried<\/td><td>BOB Customer<\/td><td>\u20b93 Lakhs<\/td><\/tr><tr><td>Salaried<\/td><td>Non-BOB Customer<\/td><td>\u20b93.6 Lakhs<\/td><\/tr><tr><td>Self-Employed<\/td><td>BOB Customer<\/td><td>\u20b93.6 Lakhs<\/td><\/tr><tr><td>Self-Employed<\/td><td>Non-BOB Customer<\/td><td>\u20b94.8 Lakhs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Once your card is approved, stay organised with timely credit card bill payment reminders on <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a>. Pay bills quickly through the app and track every payment so you never miss a due date again.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>You can redeem accumulated reward points at a value of \u20b90.20 when converted into cashback.<\/li>\n\n\n\n<li>5X reward earnings are capped at 1000 points per statement cycle, after which regular reward rates apply.<\/li>\n\n\n\n<li>BOBCARD EASY is available as a lifetime free credit card under the limited offer valid until 31 March 2026.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1772535325513\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the BOB EASY Credit Card application process?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The process to apply for the BOBCARD EASY is online through the official website. Fill the form, complete Aadhaar e-sign, and finish Video KYC to submit your application.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772535343085\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What billing cycle dates are available for BOBCARD?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>BOBCARD assigns billing cycles on selected monthly dates such as 1st, 7th, 13th, 16th, 18th, or 25th. The exact cycle is decided by the company at issuance.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772535363770\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can you change your BOBCARD billing cycle date?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cardholders get a one-time option to change the billing cycle date. You can request the change by contacting customer support through email or helpline numbers.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772535381584\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How is the BOB EASY Credit Card limit decided?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The BOBCARD EASY limit depends on individual eligibility and financial details. The approved limit appears in your welcome letter and monthly credit card statements.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772535397889\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Are there charges for cash withdrawals?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cash withdrawals attract a fee of 2.5% of the amount or \u20b9500, whichever is higher. Updated charges are available in the card terms and conditions.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways BOB EASY Credit Card suits everyday shoppers who want rewards at a low cost. With a joining and annual fee of just \u20b9500, it offers value without heavy charges. You earn reward points, cashback, and shopping offers on regular spending. The card works well for beginners who want a simple rewards credit card. [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85398,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85397","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85397","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85397"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85397\/revisions"}],"predecessor-version":[{"id":85400,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85397\/revisions\/85400"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85398"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85397"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85397"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85397"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}