BOBCARD EASY Credit Card

Below are the key highlights of the BOB Easy credit card:

• 1% fuel surcharge waiver (maximum ₹250 per statement cycle) for transactions of ₹400 to ₹5,000 at all the petrol pumps in India.
• Joining and annual fees are waived on spending ₹6,000 within 60 days from card activation date and ₹35,000 annually, respectively.
• As a welcome benefit, get 500 reward points on spending of ₹5,000 within 60 days of card issuance.
• 5X reward points (i.e., 15 reward points) for spending every ₹100 at departmental stores and movie tickets (maximum 1000 reward points per statement cycle).
• 1 reward point on spending ₹100 on all other categories.
• Reward points can be redeemed for cashback at 1 point = ₹0.20.
• A facility to convert purchases above ₹2,500 into easy EMIs of 6 to 48 months.
• Up to 3 free add-on cards for family members aged 18 years.
• Lost card liability protection for fraudulent transactions after reporting the loss of the card.
• An interest-free credit period of 50 days from the date of card purchase.

The BOB Easy credit card charges and fees are mentioned in the table below:

To be eligible for a BOB Easy Credit Card, you will have to meet the following eligibility criteria.

• The applicant should be an Indian resident. 
• Salaried or self-employed individuals can apply.
• Primary salaried applicants must be 21 to 60 years old, and self-employed applicants must be 24 to 65 years old.
• The add-on applicant must be above 18 years old.
• The minimum net annual income requirement is ₹4.8 Lakhs for self-employed non-BoB customers, ₹3 Lakhs for salaried BoB customers, and ₹3.6 Lakhs for salaried non-BoB and self-employed BoB customers.

If you want to avail of a BOB Easy credit card apply online with the list of documents mentioned below:

• Recent photograph (passport-size) with a clear/ white background and without dark/ tinted glass.
• Proof of identity: PAN Card/ Voter's ID Card/ Passport/ Aadhar Card/ Driving Licence.
• Address proof if present & permanent addresses are same: Aadhar Card (both sides)/ Driving Licence/ Passport/ NREGA-issued Job Card (duly signed by an officer of the State Government)/ Letter issued by the National Population Register (NPR) with the name and address details. 
• Address proof if the present address is different from permanent address: Recent Property or Municipal Tax Receipt/ Utility Bill (not older than 2 months)/ Pension or Family Pension payment orders for retired employees department or Public Sector Undertakings (if they have address)/ Letter of Allotment of accommodation from Employer issued by Central or State Government Departments, Public Sector Undertakings, statutory or regulatory bodies, Scheduled Commercial Banks, Financial Institutions & listed Companies/ Leave & Licence Agreements.
• Income proof for salaried: Bank Statement displaying salary credit for the last 2 months, Salary Slips along with a bank statement as specified above.
• Income proof for self-employed: Bank Statement (in PDF file format) displaying business transactions for the last 3 months and other financial documents (as required).

Steps to Apply through the Bank's Website

• Log in to the official website of the BOBCARD. 
• Select your preferred BOBCARD credit card under the ‘View Cards’ section.
• Fill the online application form by providing all the required details, including your name, contact address, mobile number, etc.
• e-Sign using your Aadhaar.
• Verify your identity via video-KYC.

Steps to Apply through MyMoneyMantra

• Visit our portal and click on the ‘Credit Cards’ tab. 
• Choose the preferred credit card under the ‘BOBCARD’ option.
• Fill in and submit all the required details.
• You will be guided by our credit card experts through the entire application process.
• On successful approval, your card will be dispatched to your address. 
• The card and the PIN will be dispatched separately.

Alternatively, you can apply for the card offline by reaching out to the BOBCARD customer support or visiting the nearest Bank of Baroda branch and submitting the relevant documents.