How to Apply for a BOB Credit Card

Bank of Baroda provides plenty of choice when it comes to credit cards. Regardless, the Easy credit card is by far the most sought after one. 

This card comes with numerous perks and benefits that ease our daily life. With plenty of rewards, the Easy credit card is not only competitive but also affordable. 

Customers enjoy Bank of Baroda benefits and rewards. Keep reading to find out how to apply for a BOB credit card

How to Apply for a BOB Credit Card

Fees and Interest

BOB Easy Card comes with a first-year fee of Rs 500, and an annual fee of Rs 500. For domestic cash withdrawal, BOB charges the higher of 2.5% or Rs 300. For international withdrawals, the rate increases to 3%. 

Furthermore, there is an interest rate of 3.25% per month or 39% per year. If you require a duplicate bill, the fee is Rs 25. 

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In case you exceed the credit limit charge per month, there is a 1% fee calculated from the amount over the threshold. There is also a 2% or Rs 300 fee for cheque return charges, whichever is higher. 

If you need to replace your card, there is a Rs 100 fee. Add-on cards come free of charge. For foreign currency transactions, BOB charge 3.50% of the amount. 

The late payment charges are as follows.

  • Rs 0 is the amount is less than Rs 200
  • Rs 100 if the amount is between Rs 200-500
  • Rs 400 if the amount is between 501-1000
  • Rs 500 if the amount is between 1001-10,000
  • Rs 750 for any other greater amounts

How to Apply 

Bank of Baroda Easy Credit Card requires its applicants to earn a minimum of Rs 3 lakh or more per year. You also must hold Indian citizenship, be a resident of India, or a non-resident Indian. 

Age criteria is also important; applicants need to be between 18 and 65 years old. Add-on cards can also be released only for anyone who is 18 years or older. 

The employment conditions stipulate that you can apply both as a salaried employee working in a company or as a self-employed professional with your own firm. 

A good credit history is also preferred, as it shows how responsible individuals are when they manage their liabilities. 

If you want to apply for Bank of Baroda Easy Credit Card, all you need to do is access the BOB website. Fill in your personal and financial information and submit it. 

A BOB representative will check your circumstances and get in touch with you – you might have to submit income proof and KYC documents to get the credit card. 

Existing BOB customers do not need to enter their information; instead, all they need to do is enter their mobile number and net banking customer ID, then they apply directly for the credit card. 

Bank Contact Details

Bank of Baroda’s official address is Suraj Plaza 1, Sayaji Ganj, Baroda 390005. 

They can also be reached via phone at (0265) 2361852.

Features and Benefits

Bank of Baroda Easy credit card comes with plenty of perks. Firstly, users are rewarded with 5 points for each Rs 100 spent on departmental stores, grocery, and movie tickets. 

For any other expenditures, you earn 1 reward point per Rs 100, and all points can be redeemed as cashback or other options. 

All Easy Credit Card users receive 0.5% cashback when they pay for their credit card bill payment. Furthermore, there is a fuel fee waiver for any transaction between Rs 400 and Rs 5,000. 

The annual fee can also be waived if you spent Rs 6,000 in two months or more than Rs 35,000 per year. You can also get up to 50 days of interest-free credit after you made a purchase. 

Three add-on cards for other family members over 18 years old are free of charge

If you have bad credit and would like to find out about loans that you can apply for, take a look here.

How to Apply for a BOB Credit Card

Summary

Overall, the Bank of Baroda Easy credit card is specially designed to be a real help in our daily lives. It has a strong reward program that offers points, it has cashback opportunities, and even the annual fee can be waived if you reach the spending threshold.  

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

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