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.
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
|
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 |
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 |
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 |
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
1. Bank of Baroda Personal Loan
4. Bank of Baroda Education Loan
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
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 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.
The annual fee is 500 of a Bank of Baroda Easy Credit card.
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.
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
You can apply for a Bank of Baroda Easy Credit card through online and offline by visiting the nearest bank branch.
You can contact through customer care toll free number and also through e-mail id for a Bank of Baroda Easy Credit Card.
Cashback rewards are included in the Bank of Baroda Easy Credit Card.
The interest rate is 3.25% per month provided by a 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.
The joining fee of Bank of Baroda Easy Credit Card is Rs.500.
Last Updated on : 21/Sep/2020Know More About CREDIT CARDS
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