SELECT `id` FROM `tbl_card` WHERE `title` = 'Bank Of Baroda Easy Credit Card' AND `card_type` = 'Credit Cards' Bank of Baroda Easy Credit Card - Features, Benefits, Login, Review

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BANK OF BARODA EASY CREDIT CARD

Bank of Baroda Easy Credit Card

Bank of Baroda is the third largest bank in India after State Bank of India and Punjab National bank and ahead of ICICI Bank.It was founded in 1908 and is headquartered in Baroda (Vadodara).The bank offers a wide range of customized and specialized services to meet the diverse needs of of its customers, and these services have been categorized into personal banking, business banking, corporate banking, international banking, treasury banking,and rural banking services.

Bank of Baroda Easy Credit Card is a reward credit card that also provides cashback. The card charges an annual fee of just Rs. 500 which is waived upon spending Rs. 50,000 in a year. Zero liability on lost cards provided the loss is reported within 24 hours of incident occurrence. You also redeem your reward points as cashback and other exciting options.

Bank of Baroda Easy Credit Card Features

1. Earn 5 reward points for every 100 spent on Grocery, Departmental stores and Movies

2 1 reward point for every Rs.100 spent on other categories

3. Zero annual fees basis card usage

4. Redeem your reward points as cashback and other exciting options

5. Get 0.5% of the card bill payment as cashback in your next statement

6. 1% fuel surcharge waived for all fuel transactions between  400 to 5,000 (Max. waiver of Rs.250 per month)

7. Convert purchase of 2,500/- on your card into easy EMIs of 6/12 months

8. Up to 50 days of interest free period

9. Up to 3 Free Add-on cards

10. Zero liability on lost card provided the loss is reported within 24 hours of incident occurrence

11. Revolving credit facility available on payment of the minimum amount due

12. Free personal accidental death insurance

Bank of Baroda Easy Credit Card Benefits 

Reward type

Cashback

Fuel surcharge waiver

1% fuel surcharge waived for all fuel transactions between  400 -  5,000 (Max. waiver of Rs. 250 per month)

Reward points 

1 Reward Point per Rs. 100 spent

5x points on Grocery, Departmental stores, Movies spends. Bonus Points are capped at 1,000 p.m.

5% cash back on credit card bill payment

Fee waiver 

Spend Rs. 50,000 in a year to get annual fee waiver.

Free Ad-on cards

Up to 3 Free Add-on cards

Interest Free period

Up to 50 days of interest free period

EMI Option 

Convert purchases over Rs. 2,500 on the card into EMIs of 6 to 12 months of tenure

Bank of Baroda Easy Credit Card Fee and Charges

To apply for an easy credit card, you have to pay fees and charges applied by the Bank of Baroda. It covers all charges and fees made by a bank to their customers.The following charges are taken from Bank of Baroda i.e joining fee, annual fee, interest rate, late payments charges etc.

TYPE

CHARGES

First-year fee

Rs.500

Annual fee

Rs.500

Cash withdrawal fee (Domestic ATMs)

2.5% of the transaction amount subject to a minimum of Rs.300

Cash withdrawal fee (International ATMs)

3.0% of the transaction amount subject to a minimum of Rs.300

Finance charges or interest

3.25% per month or 39% per annum

Duplicate bill fee

Rs.25 per request

Cheque return charges

2% of the cheque amount or Rs.300 whichever is higher

Over limit charges

1% if the usage exceeds the sanctioned credit limit per month

Card replacement charges

Rs.100 per request

Foreign currency transaction fee

3.5% of the transaction amount

Charge slip retrieval charges

Rs.250 per slip

Card de-blocking charges

Rs.300 per instance

Late payment charges

If the outstanding is less than Rs.200 – NIL

Rs.201 to Rs.500 – Rs.100

Rs.501 to Rs.1,000 – Rs.400

Rs.1,001 to Rs.10,000 – Rs.500

More than 10,001 – Rs.750

Bank of Baroda Easy Credit Card Eligibility Criteria

Before applying for an Easy credit card from Bank of Baroda, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.

Eligible

Salaried and self employed

Age

18 to 65 years

Income

For private employees, gross income should be Rs.3 lakh or above per year

For companies and private firms, paid-up capital should be Rs.25 lakh or above

Bank of Baroda Easy Credit Card Documents Required

Any applicant who is applying for an Easy credit card from Bank of Baroda must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.

1. KYC Documents = PAN, address proof and ID proof

2. Coloured photograph

3. Income Proof = Last 3 month salary slip

4. Last 3 months bank statement 

5. ITR or Form 16

Bank of Baroda Credit Card Login 

Cardholders of Bank of Baroda Credit Card can log in to their credit card account through following steps :

1. Visit www.bobibanking.com

2. If you have a retail account, choose “Retail User”

3. If you hold a corporate account with Bank of Baroda, choose “Corporate User”

4. Once you have selected what type of user you are, you will be redirected to the login page

5. Enter your username

6. Enter your password to successfully login

7. Make sure you have created a netbanking account before you try to log in

Bank of Baroda other products

1. Bank of Baroda Personal Loan

2. Bank of Baroda Car Loan 

3. Bank of Baroda Home Loan

4. Bank of Baroda Education Loan

How to apply for Bank of Baroda Easy Credit Card

There are two reason to apply for Bank of Baroda Easy Credit Card :

1. Offline Method : By visiting the nearest branch of Indusind Bank

2. Online Method : For new customers 

  • You can visit the ‘Easy Credit Cards’ page of the Bank of Baroda official website.

  • Enter your personal and contact details.

  • After the verification, a representative from the bank will get in touch with and ask to guide you through the process.

  • You may have to submit KYC documents and income proof to get a Bank of Baroda credit card.

  • You can also visit the nearby Bank of Baroda branch to apply for a credit card.

Online method : For Existing Customers

  • Visit the ‘Easy Credit Cards’ page of the Bank of Baroda official website

  • You will have to enter your net banking customer id and mobile number.

  • You can directly apply online for a credit card.

  • You can also visit a nearby Bank of Baroda branch to apply for a credit card.

Bank of Baroda Easy Credit Card Customer Care 

Contact Number : 18001024455 / 18002584455

Email id : cs.ho@bankofbaroda.com

Bank of Baroda Credit Card Payment Online 

Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. 

 1. Enter credit card number and CAPTCHA

2. Click on Proceed and then verify the Name, it should be the same as printed on the credit card

3. Enter Amount, Email-Id and phone number

4. Choose a bank to make the payment (Customer can use “Bank of Baroda Net-banking” or “Other Bank Net-Banking” option)

5. Follow the onscreen instructions of the chosen bank to make the payment

6. The amount will be deducted instantly and reflect in the credit card account within 2 working days

Bank offered Financials products

BUSINESS LOAN

CAR LOAN

COMMERCIAL LOAN 

EDUCATION LOAN

GOLD LOAN

HOLIDAY LOAN 

HOME LOAN 

LOAN AGAINST PROPERTIES 

LOAN AGAINST SECURITIES

PERSONAL LOAN

PROFESSIONAL LOAN

TWO WHEELER LOAN

Bank of Baroda Easy Credit Card Frequently Asked Questions 

1. What is a Bank of Baroda Easy Credit Card?

Bank of Baroda Easy Credit Card is a reward credit card that also provides cashback. The card charges an annual fee of just Rs. 500 which is waived upon spending Rs. 50,000 in a year. 

2. What is the annual fee of a Bank of Baroda Easy Credit card?

The annual fee is 500 of a Bank of Baroda Easy Credit card.

3. How much age is required to get an easy credit card from Bank of Baroda?

The minimum age of the applicant is 18 years and maximum age is 65 years to get an easy credit card from Bank of Baroda.

4. What are the rewards points given in an Easy Credit Card from Bank of Baroda?

The regards points are given in an easy credit card from Bank of Baroda are :

  • 1 Reward Point per Rs. 100 spent

  • 5x points on Grocery, Departmental stores, Movies spends. Bonus Points are capped at 1,000 p.m.

  • 5% cash back on credit card bill payment

5. How can I apply for a Bank of Baroda Easy Credit card?

You can apply for a Bank of Baroda Easy Credit card through online and offline by visiting the nearest bank branch.

6. How do I contact customer care for a Bank of Baroda Easy Credit Card?

You can contact through customer care toll free number and also through e-mail id for a Bank of Baroda Easy Credit Card.

7. What type of rewards are included in the Bank of Baroda Easy Credit card?

Cashback rewards are included in the Bank of Baroda Easy Credit Card.

8. How much interest rate is provided by a Bank of Baroda Easy Credit card?

The interest rate is 3.25% per month provided by a Bank of Baroda Easy Credit card.

9. What are the minimum and maximum late payment charges of Bank of Baroda Easy Credit Card?

The minimum late payment charges is 100 and maximum charges are 750 of Bank of Baroda Easy Credit Card.

10. What is the joining fee of Bank of Baroda Easy Credit Card?

The joining fee of Bank of Baroda Easy Credit Card is Rs.500.

Last Updated on : 21/Sep/2020

Know More About CREDIT CARDS

Bank Of Baroda Easy Credit Card

You're eligible for a Bank Of Baroda Easy Credit Card if you:


Are legally adult enough to handle it


Have still got it


Get a regular pay check


Make more than a basic buck

Your eligibility depends on:


Earn more than minimum income required


Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs


EMIs of other loans loweryour eligibility

Boost your eligibility by:


Pay off your credit card bills


Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account