If you are looking for benefits in a card, the Bank of Baroda offers a perfect option: the Easy Credit Card! 

Want to know more about it? Keep reading!

Features and Benefits

This card offers the following advantages:

Free add-on card

You can get up to 3-lifetime free add-on cards for your spouse, parents, siblings, or kids (above the age of 18).

In-built insurance cover

With this card, you can access a free Personal Accidental Death Cover to ensure that your family will be financially protected.

Revolving Credit Facility

Pay Minimum Amount Due and finance your spending at your convenience.

Reward Points

Earn five reward points for every ₹100 spent on groceries, departmental stores, and movies. You can redeem your reward points as cashback and as other exciting options!

Fuel Surcharge Waiver

By paying with this card, you get 1% of fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (Max. Rs. 250 per statement cycle).

Note – Fuel transactions do not guarantee reward points.

Easy EMI option

Convert purchases of >  2,500/- on your card into easy EMIs of 6/36 months!

Eligibility criteria

To apply for the BOB Easy Credit Card, you must follow these criteria:

• 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

Besides, you must present the following documents:

• For private employees – personal account with BOB, latest form 16 or ITR copy,
• For self-employed – Last three years’ audited balance sheet, profit and loss account,
• All the applicants should submit a photograph, a copy of identity proof and address proof.

The application is processed on the BOB website; you’ll have to download and fill out the form.

You can also send an SMS to apply for BOB Select Credit Card from your registered number in the below-mentioned format.

‘Apply <your city>’ to 9223990624

The bank will call you back and take you through the application process.

Fees and taxes

Even though this card comes without any annual fee for non-delinquent credit cardholders, the following charges may be applied:

Fee Type	Amount
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 – NILRs.201 to Rs.500 – Rs.100Rs.501 to Rs.1,000 – Rs.400Rs.1,001 to Rs.10,000 – Rs.500More than 10,001 – Rs.750

You must be aware that these are only the main fees: you may find other ones while reading the service contract.

How to check your Bank Of Baroda Credit Card Status?

After applying for the BOB Easy Credit Card, you can check the status of your demand online or by using your mobile! 

When you apply for any card provided by the BOB, you’ll receive an SMS from the same bank, which provides the reference and application numbers.

With this information, you can track the status of your BOB credit card by the following methods:

Online

Mobile Number

To check your demand status online, you’ll only need to visit the Bank of Baroda official website and access the credit card section.  After that, you’ll be requested to inform the details, received by SMS, of your application and some personal data, such as your date of birth. In the end, you’ll be able to follow your process.

It’s also possible to track your demand by using your mobile number. For that, you’ll have to visit the official website of the Bank of Baroda and click on the credit card section. Then, you’ll be requested to enter your mobile number, which must be the same one registered in the credit card application. An OTP will verify it.  Following the verification, you’ll be able to follow your application status.