BOBCARD Easy Credit Card benefits
- Rewards1
reward point per ₹100 on most spends, worth ₹0.20 each
- Rewards5
points per ₹100 at department stores and on movies
up to 1,000 points per statement cycle
- Rewards500
welcome points on spends of ₹5,000 within 60 days
- Fuel1%
fuel surcharge waiver
up to ₹250 per statement cycle
Good to know
- ₹0 joining fee from 1 September 2026
- ₹500 renewal fee, waived on yearly spends of ₹35,000 or more
BOBCARD Easy Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Everything else5 points per ₹100 at department stores (MCC 5311) and on movies (MCC 7832). The limit is 1,000 points per statement cycle. Shown for information only, as these merchants do not match one spend category. | 5 points per ₹100 | 1,000 |
| Everything else | 1 points per ₹100 | None |
We value one point at ₹0.2 in the usual redemption.
No rewards on: Fuel, rent, wallet loads, insurance, education, government payments, tolls, supermarkets and other select merchant categories. Transactions below ₹100 earn no points.
All reward rules
- 1 reward point is worth ₹0.20 when redeemed as cashback against the card statement. At least 1,000 points are needed.
- Utility spends (MCC 4900) earn core points but no accelerated points.
- Supermarket and convenience store spends (MCC 5411, 5499) earn no points.
- A welcome benefit of 500 points is given on spends of ₹5,000 within 60 days of card issue.
- Reward points are valid for 2 years from the date they are earned.
What the BOBCARD Easy Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0% | ₹0 |
| Dining and food delivery | ₹2,000 | 0.2% | ₹48 |
| Online shopping | ₹18,000 | 0.2% | ₹432 |
| Travel | ₹1,000 | 0.2% | ₹24 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.2% | ₹48 |
| Everything else | ₹3,000 | 0.2% | ₹72 |
| Total | ₹30,000 | ₹624 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹624* |
BOBCARD Easy Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- ₹500
- Fee waiver
- ₹35,000 a year
- Foreign currency markup
- 3.5%
BOBCARD's card page shows a ₹0 joining fee from 1 September 2026 and a ₹500 renewal fee from the second year. It is waived if you spend ₹35,000 in the previous card year. BOBCARD's Key Fact Statement of 17 July 2026 still shows a ₹500 joining fee unless you spend ₹6,000 in the first 60 days. We use the newer card page. Fees are before GST.
Fuel surcharge: 1% waiver on fuel transactions from ₹400 to ₹5,000, up to ₹250 per statement cycle.
BOBCARD Easy Credit Card eligibility
- Age
- 21 to 60
Indian resident. BOBCARD may set lower or higher age cut-offs at its discretion. The card page gives no minimum income. Salaried applicants must show bank statements with salary credit for the last 2 months.
The bank alone decides approval and your credit limit.
BOBCARD Easy Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the BOBCARD Easy Credit Card right for you?
A card with a ₹500 fee that spending can waive, paying a below-average 0.2% on most spends.
Worth its fee if you spend about ₹3,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend ₹35,000 a year or more (about ₹3,000 a month), so the ₹500 renewal fee is waived.
- It is your first credit card: the terms are simple and the fee is low or nil.
Not for you if
- You spend less than about ₹3,000 a month: you would pay ₹590 a year with GST.
- Much of your spending is on groceries: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to BOBCARD Easy Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| BOBCARD Easy Credit Card | ₹500 | 1% | ₹504* |
| PhonePe SBI Card PURPLE | ₹499 | 3% | ₹3,840* |
| Shoppers Stop HDFC Bank Credit Card | ₹299 | 3% | ₹2,167* |
If most of your spending looks like the example above, the PhonePe SBI Card PURPLE may suit you better: it would leave you ₹5,400 a year, against ₹624 with the BOBCARD Easy Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the BOBCARD Easy Credit Card?
The renewal fee is ₹500 before GST, from the second year. It is waived if you spend ₹35,000 in the previous card year. The joining fee is ₹0 from 1 September 2026 on BOBCARD's card page.
Is the BOBCARD Easy Credit Card lifetime free?
No. It has a ₹500 renewal fee. You avoid it only by spending ₹35,000 or more in the previous card year.
What reward points does the BOBCARD Easy Credit Card give?
It gives 1 reward point per ₹100 on most spends and 5 points per ₹100 at department stores and on movies. The 5-point rate is limited to 1,000 points per statement cycle. Each point is worth ₹0.20 as cashback.
Which spends earn no points on this card?
Fuel earns no points. Select categories such as rent, wallet loads, insurance, education, government payments, tolls and supermarkets also earn none. Transactions below ₹100 earn no points.
Does the BOBCARD Easy Credit Card give airport lounge access?
No. BOBCARD's lounge program table does not include this card.
Who can apply for the BOBCARD Easy Credit Card?
You must be an Indian resident aged 21 to 60 years. BOBCARD may use lower or higher cut-offs. The card page gives no minimum income.