Table of Contents
Key Highlights
- Annual fee: ₹500 + GST. Joining fee waived on ₹6,000 spend in first 60 days. Annual fee waived on ₹35,000 annual spend - the lowest waiver threshold in the BOBCARD lineup.
- 5X rewards (5 RP per ₹100) on movies and departmental stores. Cap: 1,000 RP per statement month.
- Available on Visa, Mastercard, and RuPay. RuPay variant supports UPI payments via GPay, PhonePe, Paytm, and BHIM.
- Base rate: 1 RP per ₹100 on all other eligible spends. 1 RP = ₹0.20.
- Welcome bonus: 500 RP on ₹5,000 spend within first 60 days = ₹100 in cashback value.
- Eligibility: Salaried: ₹3L+ (existing BOBCARD customers) / ₹3.6L+ (new customers). Self-employed: ₹4.8L+ income required.
The BOBCARD Easy is BOBCARD's entry-level card, positioned for first-time credit users, young professionals, and moderate spenders who want a low-cost rewards card with an easily achievable fee waiver. At a ₹500 annual fee waivable at just ₹35,000 annual spend - roughly ₹2,917 per month - the card is effectively free for anyone with basic regular expenses.
The Easy card is notable for one feature the Select card does not offer: it is available on RuPay, which means the RuPay variant can be linked to UPI applications and used for QR-code payments at any merchant - extending credit card benefits to everyday offline spending. For first-time cardholders who primarily transact via UPI, this makes the Easy card more broadly usable than the Visa-only Select.
Reward Structure: Movies and Departmental Stores
The Easy card's 5X rate applies to movies and departmental stores - a slightly different category mix from the Select card (which earns 5X on dining and online). This distinction matters when choosing between the two for your spending profile.
| Spend Category | Reward Rate | Effective Return (1 RP=₹0.20) | Notes |
|---|---|---|---|
| Movies and departmental stores | 5 RP per ₹100 | 1.0% | Combined cap: 1,000 RP/month (= ₹20,000 spend) |
| SmartDeal hotel bookings | 10 extra RP = 11 RP total | 2.2% | Book via BOBCARD SmartDeal portal |
| SmartDeal flight bookings | 4 extra RP = 5 RP total | 1.0% | Book via BOBCARD SmartDeal portal |
| All other eligible spends | 1 RP per ₹100 | 0.2% | Standard base rate |
| Fuel transactions | 0 RP + 1% surcharge waiver | Waiver only (max ₹250/cycle) | ₹400–₹5,000 transactions |
| Excluded categories | 0 RP | - | Fuel, govt, education, hospital, wallet, insurance, fast food MCC 5814, supermarkets |
Source: bobcard.co.in/credit-card-types/easy, Paisabazaar, CardInsider. BOBCARD MITC. Last verified: 9 May 2026.
Comparing Easy vs Select reward categories: the Select earns 5X on dining and online. The Easy earns 5X on movies and departmental stores. If your primary discretionary spending is on food delivery and e-commerce platforms, the Select is more aligned. If your discretionary spending leans toward movie tickets and in-store retail shopping, the Easy earns more on your actual pattern.
The 1,000 RP monthly cap (combined across accelerated categories) applies on the Easy card as well. At 5 RP per ₹100, the cap exhausts at ₹20,000 combined eligible spend per month - the same limit as the Select. Beyond this, all spend earns 1 RP per ₹100.
The RuPay Variant: UPI on a Credit Card
The BOBCARD Easy is one of a small number of entry-level credit cards in India that offers a RuPay network variant. The RuPay variant allows the cardholder to link the card to UPI applications - GPay, PhonePe, Paytm, BHIM - and transact at any QR-code-enabled merchant using credit card funds.
What this means practically: any merchant who accepts UPI - which is most merchants in India, including kirana stores, petrol pumps, auto-rickshaw drivers, and local restaurants - can accept this credit card payment via QR scan. This makes the Easy card on RuPay far more versatile for daily spending than a Visa-only entry-level card.
However, UPI transactions on the RuPay credit card earn only the base reward rate of 1 RP per ₹100 - not the 5X accelerated rate. The accelerated rate for movies and departmental stores applies at those specific merchant categories via card swipe, not via UPI QR. If you primarily pay at departmental stores via UPI QR, the 5X rate does not apply to those transactions.
Fees and Charges
| Fee/Charge | Amount | Waiver Condition |
|---|---|---|
| Joining fee | ₹500 + GST | Spend ₹6,000 within first 60 days |
| Annual fee (from Year 2) | ₹500 + GST | Spend ₹35,000 in card anniversary year |
| Finance charge | 3.75%/month = 45% p.a. | Avoided by paying full balance |
| Forex markup | 3.5% of transaction | Applies on all international spends |
| Cash withdrawal | 2.5% or ₹500, whichever higher | Day 1 interest - no grace period |
| Minimum credit limit | ₹25,000 | As stated on bobcard.co.in |
| Add-on cards | Lifetime free (up to 3) | Spouse, parents, siblings, children 18+ |
| Interest-free period | 20 to 50 days | Only if previous balance cleared in full |
Source: bobcard.co.in/credit-card-types/easy. BOBCARD MITC Ver 19, effective 1 April 2026. Last verified: 9 May 2026.
The ₹35,000 annual fee waiver threshold is the most accessible in the BOBCARD portfolio. At ₹2,917/month in eligible card spend, this is achievable even for users who route only a portion of their regular expenses through the card. Hit the threshold and the card costs nothing from Year 2 onwards.
Eligibility: The Most Accessible Income Bar in the BOBCARD Range
| Criterion | Salaried - Existing BOBCARD Customer | Salaried - New Customer | Self-Employed |
|---|---|---|---|
| Age | 21 to 60 years | 21 to 60 years | 24 to 65 years |
| Min. net annual income | ₹3 lakh | ₹3.6 lakh | ₹4.8 lakh |
| Residency | Indian resident | Indian resident | Indian resident |
Source: Paisabazaar, MyMoneyMantra, bobcard.co.in. Income figures may vary. Last verified: 9 May 2026.
The ₹3L minimum income for existing BOBCARD customers is the lowest published income bar in the BOBCARD credit card lineup, making the Easy card accessible to recent graduates and early-career salaried professionals. The minimum credit limit of ₹25,000 is also stated on the product page, giving applicants a baseline to work from.
What the BOBCARD Easy Does Not Offer
- No airport lounge access - confirmed by CardInsider and bobcard.co.in. The Easy card does not include any domestic lounge visits.
- No dining or online shopping 5X - the accelerated rate is on movies and departmental stores, not food delivery apps or e-commerce platforms. For Swiggy, Zomato, Amazon, or Flipkart heavy spenders, the Select card earns more.
- Low redemption value - 1 RP = ₹0.20 (versus ₹0.25 on premium BOBCARD cards). Over a year of spending, this compounds to a meaningful difference.
- High forex markup - 3.5% makes this unsuitable for international use.
- No lifestyle benefits - no FITPASS, no OTT subscriptions, no vouchers. This is a pure rewards accumulation card, not a lifestyle benefit card.
Who Should Get the BOBCARD Easy
The BOBCARD Easy is designed for first-time credit card users, young salaried professionals in the ₹3L–₹5L income range, and people who want a simple, low-cost card to build credit history. The RuPay variant adds meaningful daily utility via UPI linkage that most entry-level cards do not offer.
It is not the right card for: e-commerce or food delivery heavy spenders (use BOBCARD Cashback or BOBCARD Select instead), frequent domestic flyers who want lounge access (use BOBCARD Eterna), or anyone with significant international travel (high forex cost).
Frequently Asked Questions
Disclaimer: This review is for informational purposes only and does not constitute financial advice. All BOBCARD Easy features, fees, reward rates, and eligibility criteria are subject to change. Data sourced from bobcard.co.in, BOBCARD MITC, and third-party aggregators as of May 2026. Readers are advised to refer to the Most Important Terms and Conditions (MITC) available at bobcard.co.in before applying. BOBCARD Limited (formerly BOB Financial Solutions Limited) is a 100% subsidiary of Bank of Baroda and an RBI-regulated entity.
