Yes. Because the card is issued on the RuPay network, it can be linked to apps such as PhonePe, Google Pay or Paytm, and UPI payments made through it earn the same base reward rate as any other spend.

How many reward points does it earn?

Movies and departmental-store purchases bring in 5 reward points per ₹100, while everything else earns 1 point per ₹100 — each point valued at roughly ₹0.20. Looked at as effective return, groceries top out this card at 1% (with rewards capped at ₹200 a month in that category), against just 0.2% elsewhere; these figures reflect real value once points are converted at the card's own rate, not the raw points-per-₹100 figure issuers usually advertise.

What is the fee waiver?

Spend ₹35,000 in a year and the ₹500 annual fee disappears; the joining fee itself is waived by putting ₹6,000 through the card within the first 60 days. Including 18% GST, the renewal charge that would otherwise hit the statement is ₹590 — and hitting the ₹35,000 waiver works out to roughly ₹2,917 of spend a month.

How has the BOBCARD Easy Credit Card changed over time?

Per the dated Value Timeline further down this page, the card has gone through 8 tracked changes since 2021 — 5 devaluations against 2 improvements, with the rest neutral events like the original launch or a restructuring. The latest is the addition of processing fees on toll/bus, high-value rail and third-party education spends, effective 1 April 2026. Every entry links back to a source, so the details can be checked independently.

Has the BOBCARD Easy Credit Card been devalued recently?

Yes — 4 devaluations are on record within the past 24 months. The most recent, effective 1 April 2026, introduced a 1% processing fee that didn't exist before, applying to toll/bus transactions of ₹5,000 or more, rail bookings of ₹30,000 or more, and third-party education-app payments (each capped at ₹5,000). The full dated history, with sources, is available in the Value Timeline on this page.

When did the BOBCARD Easy Credit Card's fees last change?

The last fee change landed on 1 April 2026, when BOBCARD introduced a 1% processing fee — previously nonexistent — on toll/bus spends of ₹5,000 or more, rail bookings of ₹30,000 or more, and third-party education-app payments, each capped at ₹5,000. The fees table on this page reflects what's current; every earlier fee change we've tracked sits in the Value Timeline.

How did the BOBCARD Easy Credit Card change in 2025?

2025 brought 4 recorded changes — 3 cuts and 1 improvement. Processing fees were added on wallet-load and utility spends (1 January 2025), utility bill payments started earning reward points again (1 July 2025), and the minimum redemption threshold was raised to 1,000 points (also 1 July 2025), alongside one further change. The most significant single shift was the finance charge moving from 3.25% a month (39% annualised) to 3.75% a month (45% annualised) on 1 July 2025. Full details, dated and sourced, are in the Value Timeline on this page.

BOBCARDENTRY

BOBCARD Easy Credit Card

3.6 / 5SarvCred Editorial Review

Check my eligibility

BOBCARD

BOBCARD Easy Credit Card

Name: BOBCARD Easy Credit Card
Brand: SarvCred
Rating: 3.6 (1 reviews)

Entry levelFee variesRewardsFuel

BOBCARD Easy is Bank of Baroda's entry-level rewards card for first-time and lower-spend users, available on RuPay (as well as Visa/Mastercard) so it can be linked to UPI apps. It earns 5 reward points per ₹100 (~1% at ₹0.20/point) on movies and departmental stores, and 1 RP per ₹100 (~0.2%) on everything else, with a ₹500 fee that waives at just ₹35,000 of annual spend (joining fee waived on ₹6,000 in 60 days). BOBCARD is currently running a limited-period lifetime-free offer on the Easy for new applicants. It carries a 1% fuel surcharge waiver (₹400–₹5,000, max ₹250/cycle) and a minimum credit limit of ₹25,000. The earn is modest at ₹0.20/point, but as a free-to-keep first card with UPI it does its job.

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹100 in vouchers, points or cashback on card activation

⭐

1% on Groceries

5 reward points per ₹100 (~1% at ₹0.20/point) on departmental stores (our nearest bucket for BOB's published category) and movies, capped at 1,000 reward points per month (then 1 RP/₹100)

⭐

0.2% on Other

1 reward point per ₹100 (~0.2% at ₹0.20/point) on other spends

💳

Annual Fee Waiver

Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹35,000/year

⛽

Fuel Surcharge Waiver

1% waiver on fuel transactions, capped at ₹250/month

📱

UPI Linked

Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments

Full reward structure

Category	Type	Rate	Monthly cap
Groceries	reward points	1%	₹200
Other	reward points	0.2%	—

Fees & charges

Charge	Amount
Annual fee (incl. 18% GST)	₹590
Joining fee (incl. 18% GST)	₹590
Finance charge (APR)	3.75% p.m.
Forex markup	3.5%
Fuel surcharge waiver	1%, cap ₹250

Perks & benefits

Estimated annual value beyond rewards — ~₹1,200/yr in total.

⛽

fuel waiver ~ ₹1,200 /yr

1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions, max ₹250 per statement cycle

Should you get it?

Best for: First-time card user, Lower-spend Bank of Baroda customer wanting UPI-on-credit, Everyday departmental-store and movie spender

Entry tier — great for first-time and lower-spend users.

Strongest value if you spend heavily on Groceries ( 1% back).

✓ Pros

5 RP/₹100 (~1%) on movies and departmental stores
UPI-linked RuPay — pay by scanning QR codes
Low ₹35,000 fee-waiver threshold; easy approval for beginners
1% fuel surcharge waiver

✕ Cons

BoB points at ₹0.20 pull the bonus-category return to ~1%
Annual fee applies unless the ₹35,000 spend waiver is met
3.5% forex markup — not for international transactions

Eligibility & documents

Age

25 –55 years

Min. income

₹15,000 /mo

Employment

Salaried · Self-employed · Student

Documents required

PAN card
Aadhaar / valid address proof
Income proof — salary slips (salaried) or ITR (self-employed)

How to redeem rewards

Ways to convert what you earn into real value.

🎁 Statement credit / cashback adjustment (₹0.20/point)

🎁 Online rewards catalogue (vouchers, merchandise)

🎁 Earn reward points on UPI transactions via linked apps

What your BOB Reward Points are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Statement credit BEST Standard redemption

₹ 0.25 /pt

Gift voucher catalogue BEST Brand & e-gift vouchers

₹ 0.25 /pt

The concern At ₹0.20/point the bonus categories return only ~1% and everything else ~0.2% — fine as a beginner card, but flat-cashback cards out-earn it for anyone with real spend.

The bottom line

As an entry-level RuPay card, this one makes sense — 5 reward points per ₹100 (about 1%) on movies and departmental stores, UPI compatibility, and a ₹35,000 waiver threshold low enough to make it effectively free for anyone spending modestly. Because each point is worth only ₹0.20, the real return hovers around 1% at best, so it's better suited as a starter card than a primary spending tool.

Sources & verification

Fees, reward rates, and benefits for the BOBCARD Easy Credit Card are taken from BOBCARD 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Value timeline

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2021 · 8 changes · last change Apr 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

2026 1 change — 1 cut

▼ Fee Effective 1 Apr 2026

Processing fees added on toll/bus, high-value rail and third-party education spends

None → 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)

From 1 April 2026 BOBCARD applied a 1% processing fee across almost all its cards: on toll and bus (MCC 4784) spends of ₹5,000 or more, on railway bookings (MCC 4112) of ₹30,000 or more (capped ₹5,000), and on education-fee payments made through third-party apps such as CRED, Paytm, PhonePe and MobiKwik (capped ₹5,000).