Bank of Baroda Easy Credit Card
Bank of Baroda · Mastercard
Why this card?
- 1% back in reward points on entertainment, up to ₹200 a month; 0.2% on other spends
- ₹500 annual fee; renewal fee waived on ₹35,000 yearly spend
- 1% fuel surcharge waiver
Card details
- Issuer
- Bank of Baroda
- Network
- Mastercard
- Annual Fee
- ₹500
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 1% on entertainment (capped at ₹200/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹15,000
- Rates verified
- 2026-10-06
Our verdict
Bank of Baroda Easy is a no-frills points card suited to budget-conscious users who want movie and department-store rewards at a low annual cost. The 5X points (about 1% back) on movies and department stores is capped at 1,000 points (₹200) per statement cycle, so it works best as a low-spend companion card rather than a primary card. There is no joining fee; the ₹500 annual fee is waived at ₹35,000 spend.
Pros
- No joining fee, with the annual fee waived at ₹35,000 spend
- 5X points (about 1% back) on movies and department stores
- PSU bank reliability and wide branch/ATM network
- Fuel surcharge waiver adds marginal savings for vehicle owners
Cons
- ₹200/month cap on movie and department-store rewards — limits maximum earnings to ₹2,400/year
- About 0.2% back as points on other spends — a very thin base rate
- No lounge access of any kind
- BOB credit card app and portal experience lags private-sector banks