BoB Easy Credit Card | Steps to Apply And Track Card Status

BoB(Bank of Baroda) Easy Credit Card is one of the basic credit cards offered by the Bank of Baroda. This Bank of Baroda credit card fits low-income people as it offers rapid rewards and cashback offers on common spending categories.

BoB Easy Credit Card

By achieving the milestones set by the BOB, cardholders can avail the Joining Fee Reversal and Annual Fee Exemption facility.

Below are all the features and benefits that BOB Easy Credit Card offers. Do not forget to check the various fees related to using the card, eligibility to apply for a credit card, required documents‌ and the process of applying for the card.

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Benefits and Features of BOB Easy Credit Card

  • Get 1 Reward Point for every Rs.100 spent on the card.
  • Five more rewards for every Rs 100 spent on groceries, department stores and movies.
  • You can redeem reward points for cash back and other exciting gifts and vouchers.
  • Pay your easy credit card bill on time and get 0.5% cash back on the bill amount in the next statement.
  • Annual fee waiver for spending Rs 6,000 in the first 60 days of credit card and Rs 35,000 in a year.
  • 1% fuel surcharge exemption is valid at all petrol stations across India for a minimum transaction amount of Rs.400 and a maximum amount of Rs.5,000.
  • Convert purchases over Rs 2,500 into easy monthly instalments (EMIs) and repay within 6 or 12 months.
  • Basic cardholder family members, including spouses, parents, siblings and children over 18, can obtain three add-on credit cards with free personal accident death insurance.
  • If you had reported the loss within 24 hours of the incident, there would be zero liability on the lost card for an interest-free period of up to 50 days.
  • A revolving credit facility is available upon payment of the minimum amount due.

BoB Credit Card Reward Points & Cashback

All credit cards offered by BoB Financial come with excellent reward rates. Some cards offer reward points, while others offer cash back or miles for all your expenses. Most BoB credit cards offer reward points to their customers.

Different cards may have different reward rates, and the number of reward points may vary by category. Cards with a lower annual fee usually offer a lower reward rate than cards with a higher annual fee.

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Fees and Charges BoB Easy Credit Card

Fee Type Amount
First-year fee 500 RS
Annual fee 500 RS
Cash withdrawal fees (Domestic ATMs) 2.5% of the transaction payment subject to a minimum of Rs.300
Cash withdrawal fees (International ATMs) 3.0% of the transaction payment subject to a minimum of Rs.300
Finance charges or interests 3.25% per month or 39% per year
Duplicate bill fees Rs.25 per request
Cheque return charge 2% of the cheque amount or 300 RS, whichever is more increased
Over limit charge 1% if the usage exceeds the authorised credit limit per month
Card replacement charge Rs.100 per request
Foreign currency transaction fees 3.5% of the transaction amount
Charge slip retrieval charges Rs.250 per slip
Card de-blocking charges Rs.300 per instance
Late payment charge
  1. If the outstanding is less than Rs.200 – NIL
  2. 201 Rs to Rs.500 – 100 Rs
  3. 501 Rs to 1,000 Rs – 400 Rs
  4. 1,001 Rs to 10,000 – 500 Rs
  5. More than 10,001 – Rs.750

 

Eligibility

  • Eligible private employees to apply for BOB Easy Credit Card, Gross Income per annum should be Rs. Three lakhs or more.
  • For companies and private companies, Payment Capital should be Rs. 25 lakhs or more.

Required Documents to apply for BOB Easy Credit Card 

  • For Private Employees – Private Account with BOB, Latest Form 16 or ITR Copy.
  • For Self Employment – All three-year audited balance sheet, Profit and Loss Account
  • Applicants must submit a photograph, proof of identity and proof of address.

How to apply for BoB Easy Credit Cards? 

You can apply for Bank of Baroda Credit Cards by visiting your nearest BoB branch or through the official website of BoB Financial as follows:

  • Visit Bank of Baroda’s Official Website
  • Select the credit card you want to apply for, like Easy Credit Card.
  • Click on the ‘Apply Now’ option.
  • You will redirect to the application form.

BoB Easy Credit Card

  • Carefully fill in all the required details and check them out before proceeding.
  • Complete all the formalities as per the website instructions.

Track Application Status 

  • To track the status of your credit card application, go to this link.
  • Enter your application number and click on ‘Get Details’.
  • You get the status of your application on your Screen.

How to activate BoB Easy Credit Card? 

After receiving your new credit card from BoB Financial, activating it is your first step. There are many online and offline methods to activate your credit card, some of which are as follows:

You can activate your credit card through internet banking. Log in to your Net Banking Account and find the option for Activation/PIN Generation from the menu.

Another way to activate your credit card is through an ATM. Visit your nearest BoB ATM, insert your credit card and select the option to activate your card from the main menu.

You can also contact your credit card customer care and ask them to assist you in activating your credit card.

BoB Easy Credit Card Login/Net Banking 

Nowadays, everyone wants to complete their banking-related tasks from the comfort of their home.

Hence, many banks and card issuers have started offering internet banking facilities. You can also get great services by registering your BoB credit card for Net Banking.

There are a few steps to do the same:

  • Visit the BoB Financial Net Banking page.
  • Click on the signup option.
  • Enter all the required details, including your credit card number, expiration date and other required details and click on ‘Proceed’.

Credit Card Customer Care 

BoB Financial Services offers limited value to its customers and therefore provides 24*7 assistance & support to them.

You can contact 1800-103-1006 or 1800-225-100 for the following services:

  • To block your card
  • Balance inquiry
  • PIN generation
  • To know your card status

You can also avail the BoB SMS service number 9223172141. And You will need to send an SMS to this number as follows:

  • To block your lost/stolen card – SMS BLOCK XXXX
  • For Balance Inquiry – SMS BAL XXXX
  • To Receive Summary of Reward Points – SMS Reward XXXX to Summary of Your Last Statement – XATX SMS
  • To find out the last payment details – Payment XXXX
  • (where XXXX is the last four digits of your credit card number).

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