BOBCARD Easy Credit Card (Bank Of Baroda): 5X Reward Points on Movies & Departmental Stores, 1% Fuel Surcharge Waiver, Cashback Redemption, ₹500 Joining Fee

 BOBCARD Easy Credit Card (Bank Of Baroda): 5X Reward Points on Movies & Departmental Stores, 1% Fuel Surcharge Waiver, Cashback Redemption, ₹500 Joining Fee

  • BOBCARD Easy Credit Card एक entry-level rewards credit card है जिसमें 5X Reward Points on Movies और 5X Reward Points on Departmental Stores के साथ everyday spending पर strong value मिलती है।

  • BOBCARD Easy Credit Card पर 1% Fuel Surcharge Waiver, Cashback Redemption at 1 Reward Point = ₹0.20, और milestone-based Joining Fee Waiver तथा Annual Fee Waiver जैसे practical benefits मिलते हैं।

BOBCARD Easy Credit Card overview

  • BOBCARD Easy Credit Card daily shopping, movies और departmental stores पर accelerated rewards देने के लिए design किया गया है, जिससे urban users को quick savings मिलती हैं।

  • BOBCARD Easy Credit Card की positioning simple earn grid, low fees (₹500 Joining Fee, ₹500 Annual Fee), और redemption as cashback पर केंद्रित है।

Key features and benefits

  • 5X Reward Points: BOBCARD Easy Credit Card पर 5X Reward Points per ₹100 on Movies और 5X Reward Points per ₹100 on Departmental Stores मिलते हैं (monthly cap apply)।

  • Base Rewards: BOBCARD Easy Credit Card पर 1 Reward Point per ₹100 on Other Categories मिलता है, जिससे हर spend पर consistent earn होता है।

  • Fuel Surcharge Waiver: BOBCARD Easy Credit Card पर 1% Fuel Surcharge Waiver on ₹400–₹5,000 per transaction, monthly cap ₹250 per statement cycle लागू होता है।

  • Cashback Redemption: BOBCARD Easy Credit Card reward redemption at 1 Reward Point = ₹0.20 के रूप में cashback देता है, जिससे real bill savings होती हैं।

  • Welcome Benefit: BOBCARD Easy Credit Card पर 500 Reward Points on ₹5,000 spend within 60 days of issuance typical welcome construct के रूप में मिलता है।

  • Spend-based Waiver: BOBCARD Easy Credit Card Joining Fee Waiver on ₹6,000 spend within 60 days और Annual Fee Waiver on ₹35,000 annual spend conditions के साथ आता है।

  • EMI Conversion: BOBCARD Easy Credit Card पर purchases above ₹2,500 को 6–48 months Easy EMI में convert करने की सुविधा मिलती है।

  • Add-on Cards: BOBCARD Easy Credit Card पर up to 3 Free Add-on Cards provide किए जाते हैं for family convenience।

  • UPI via RuPay: BOBCARD Easy Credit Card RuPay variant के साथ UPI linking possible है, जिससे seamless card-on-UPI payments और base rewards मिल सकते हैं।

  • Safety: BOBCARD Easy Credit Card पर lost card liability protection post-reporting उपलब्ध है, जिससे risk control बेहतर होता है।

Rewards and redemption

  • Earn Grid: 5X Reward Points on Movies, 5X Reward Points on Departmental Stores; 1 Reward Point per ₹100 on Other Categories for BOBCARD Easy Credit Card।

  • Monthly Cap: Accelerated rewards पर सामान्यतः 1,000 Bonus Points per statement cycle cap देखा जाता है; cap cross होने पर base earn लागू होता है।

  • Redemption Value: BOBCARD Easy Credit Card redemption at 1 Reward Point = ₹0.20, cashback credit से statement payable घटता है।

Fees and charges

  • Joining Fee: ₹500 + GST for BOBCARD Easy Credit Card; ₹6,000 spend in 60 days पर Joining Fee Waiver उपलब्ध।

  • Annual Fee: ₹500 + GST for BOBCARD Easy Credit Card; ₹35,000 annual spend पर Annual Fee Waiver प्राप्त।

  • Finance Charges: Typical entry segment APR ~3.25%–3.75% per month range; best practice है Full Payment by Due Date।

  • Forex Markup: 3.5% typical for BOBCARD Easy Credit Card; frequent international users के लिए travel card evaluate करें।

  • Cash Advance Fee: ~2.5% with minimum ₹300–₹500 grid; cash withdrawals avoid करना बेहतर।

  • Other Charges: Overlimit, late fee, processing fee on rent/wallet/utility/fuel transactions issuer grid के अनुसार लागू हो सकते हैं।

Eligibility and documentation

  • Eligibility: Indian residents, Salaried/Self-employed; BOBCARD Easy Credit Card approval internal policy और bureau profile पर निर्भर है।

  • Documents: KYC (Aadhaar/Passport/Voter ID), Address Proof, Income Proof (Salary Slips/Form 16/ITR) standard; quick digital onboarding available हो सकता है।

Daily use cases

  • Movies and Entertainment: BOBCARD Easy Credit Card 5X Reward Points on Movies के कारण frequent movie-goers के लिए high value देता है।

  • Departmental Stores and Grocery: 5X Reward Points on Departmental Stores daily essentials पर strong earn सुनिश्चित करता है।

  • Everyday Retail: 1 Reward Point per ₹100 on Other Categories regular spends पर base savings provide करता है।

Controls and safety

  • App Controls: BOBCARD Easy Credit Card online/international/contactless controls manage करें, transaction limits set करें, real-time alerts enable रखें।

  • Zero Liability: Loss/fraud report करने पर BOBCARD Easy Credit Card zero liability policy लागू होती है as per issuer terms।

How to apply

  • Online Application: BOBCARD Easy Credit Card के लिए official portal पर Apply Now select करें, KYC + income details submit करें, verification complete करें।

  • Activation and PIN: Physical card receipt के बाद net banking/mobile app से BOBCARD Easy Credit Card PIN set/change करें, UPI linking (RuPay) enable करें।

BOBCARD Easy Credit Card quick benefits

  • BOBCARD Easy Credit Card, 5X Reward Points on Movies, 5X Reward Points on Departmental Stores, 1 Reward Point per ₹100, 1% Fuel Surcharge Waiver, Cashback Redemption 1 RP = ₹0.20, ₹500 Joining Fee, ₹500 Annual Fee, Joining Fee Waiver on ₹6,000 in 60 days, Annual Fee Waiver on ₹35,000, Easy EMI Conversion, Add-on Cards Free, RuPay UPI Credit Card, Best entry-level rewards credit card India, Apply BOBCARD Easy Credit Card online, BOBCARD Credit Card India।

Pros and cons

  • Pros: 5X Reward Points on Movies and Departmental Stores, 1% Fuel Surcharge Waiver, Cashback Redemption at 1 RP = ₹0.20, Spend-based Fee Waiver, UPI via RuPay।

  • Cons: Accelerated rewards monthly cap, Forex markup ~3.5% typical, lounge access not included, some exclusions on fuel/rent/wallet/govt categories।

Who should choose

  • Movies और Departmental Stores पर high monthly spends रखने वाले users के लिए BOBCARD Easy Credit Card best value देता है with simple cashback-like redemption।

  • International lounge/air miles चाहने वाले frequent travelers को premium travel credit cards compare करने चाहिए।

Quick bullets

  • BOBCARD Easy Credit Card 5X Reward Points on Movies & Departmental Stores।

  • BOBCARD Easy Credit Card 1 Reward Point per ₹100 on Other Categories।

  • BOBCARD Easy Credit Card 1% Fuel Surcharge Waiver up to ₹250/month।

  • BOBCARD Easy Credit Card Cashback Redemption at 1 Reward Point = ₹0.20।

  • BOBCARD Easy Credit Card ₹500 Joining Fee and ₹500 Annual Fee with spend-based waivers।

  • BOBCARD Easy Credit Card Easy EMI Conversion on purchases above ₹2,500।

  • BOBCARD Easy Credit Card RuPay UPI linking and add-on cards up to 3।

  • BOBCARD Easy Credit Card lost card liability protection and app controls।

Note: Offers, caps, exclusions, fees/charges और eligibility criteria समय-समय पर बदल सकते हैं; application से पहले latest T&Cs verify करना सबसे अच्छा है।

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