Rewards Program

5X Reward Points on Select Categories: Earn 5X reward points for every ₹100 spent on movies, groceries, and departmental stores, capped at 1,000 reward points per month. Once the cap is reached, you'll earn 1 reward point per ₹100 spent in these categories.

Standard Rewards: Earn 1 reward point per ₹100 spent on all other categories.

Cashback on Bill Payments: Receive 0.5% cashback on your credit card bill payments.

Reward Redemption

Flexible Redemption Options: Redeem accumulated reward points for cashback and other options. The value of 1 reward point is ₹0.25.

Card Features

Entry-Level Benefits: The Bank of Baroda Easy Credit Card is designed for beginners, offering rewards and benefits across various spending categories.

Insurance Coverage: Provides accidental death cover for the primary cardholder.

UPI Integration: The card can be linked to UPI apps like Google Pay, allowing you to earn base reward points on UPI transactions.

Zero Liability Protection: Enjoy zero liability on lost cards if reported within 24 hours, safeguarding against fraudulent transactions.

EMI Conversion: Convert purchases over ₹2,500 into easy EMIs of 6 or 12 months.

Other Charges

Interest Rate: An interest rate of 3.25% is charged on the overdue amount.

Forex markup: 3.5% fee is applicable on international transactions.

Cash Advance Fee: For domestic ATMs, a fee of 2.5% (minimum ₹300) is charged, while international ATM withdrawals incur a fee of 3% or ₹300, whichever is higher.