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BOB Easy Credit Card Review 2026
5X rewards on movies and shopping, 10X on hotel bookings via SmartDeal, joining fee waived on ₹6,000 spend, annual fee waived at ₹35,000 — and available on Visa, Mastercard, and RuPay.
3.1
/5
Card24 Score
Rewards 3
Fees 4
Eligibility 4.5
Last reviewed June 2026 · Card24.ai editorial team · Card24.ai editorial team
Annual Fee
Lifetime Free*
Movies + Departmental
5X*
SmartDeal Travel
4X* via BOBCARD SmartDeal
Base + Network
1X on all other eligible*
Credit Card Verdict BOB Easy Credit Card
What we like
- Joining fee waived on ₹6,000 spend in 60 days — the lowest and simplest joining fee waiver condition on any BOBCARD. Annual fee waived at ₹35,000/year — just ₹2,917/month. Combined, a disciplined spender pays ₹0 in fees across Year 1 and beyond
- 10X on hotel bookings via BOBCARD SmartDeal — 2% effective at ₹0.20/RP — is among the highest hotel booking reward rates at any sub-₹500/year fee card. For users who regularly book hotels through the platform, this is genuine value
- Available on Visa, Mastercard, and RuPay — the only entry-level BOBCARD offering this three-network flexibility. RuPay variant links to UPI apps and earns reward points on UPI transactions — uncommon at this fee tier
- 5X on movies and departmental stores (1% effective) fills the entertainment and offline retail categories. 3 free add-on cards for family members with no additional fee
- Accessible eligibility: ₹3L/year income for existing BOB Bank customers, ₹3.6L for SE non-BOB customers. Among the most accessible income requirements on any BOBCARD
Watch out for
- 5X cap of 1,000 RP/month combined across movies and departmental stores — fills at ₹20,000/month in combined spend. Heavy departmental store shoppers will exhaust this quickly
- No lounge access — domestic or international — confirmed. No lounge benefit exists at any spend level
- 1 RP = ₹0.20 — the base rate of 1 RP/₹100 (0.20%) is very low for general spending. 5X delivers 1% on movies/departmental — adequate but not competitive vs dedicated cashback cards
- Long exclusion list: no RP on fuel, wallet loads, gaming, insurance, govt, rent, education, hospital, charity, fast food. Limits accumulation for users who rely on the card for bills
*5 RP per ₹100 on movies and departmental store purchases — capped at 1,000 RP per statement month combined across both categories. 10 RP per ₹100 on hotel bookings via BOBCARD SmartDeal; 4 RP per ₹100 on flights via BOBCARD SmartDeal. 1 RP per ₹100 on all other eligible spends. 1 RP = ₹0.20 at cashback redemption. Free redemption — no RP redemption fee. Excluded: fuel, wallet loads, gaming, insurance, government, rent, education, hospital, charity, fast food. Joining fee ₹499 waived on ₹6,000 spend in 60 days. Annual fee ₹499 waived at ₹35,000 annual spend. No lounge access. 3.5% forex. T&Cs apply.
Credit Card Achievers BOB Easy
Is BOB Easy Credit Card Worth It in 2026?
Yes — specifically for BOB Bank customers seeking their first credit card, and for users who book hotels regularly through BOBCARD SmartDeal. The BOB Easy card occupies a clear space: the most accessible BOBCARD by fee and income threshold (₹3L/year for BOB customers, joining fee waived at ₹6,000 in 60 days), with a genuine 10X hotel booking rate on SmartDeal that outperforms most cards at this price point.
The practical annual value: joining fee waived (₹499 saved), annual fee waived at ₹35,000 (₹499 saved from Year 2), welcome 500 RP on ₹5,000 spend (₹100 value). Add 5X on movies at ₹1,000/month (₹24/month = ₹288/year) and SmartDeal hotel bookings at 10X (₹60/₹3,000 booking). For regular SmartDeal hotel bookers doing 2–3 stays/month, the card generates ₹1,500–₹2,500/year in RP value at zero net fee — solid for a ₹0-cost entry card. The RuPay variant earns RP on UPI spends — genuinely unusual at this tier.
The honest limitation: for general everyday spending, BOB Easy's 0.20% base rate (1 RP/₹100) is too weak. For online shopping across Amazon, Flipkart, and other platforms, BOBCARD Cashback at 5% is the natural step up. For dining, lounge access, and lifestyle rewards, BOBCARD Eterna — 5X on restaurants, travel, and shopping with unlimited domestic lounge — completes what Easy cannot.
The practical annual value: joining fee waived (₹499 saved), annual fee waived at ₹35,000 (₹499 saved from Year 2), welcome 500 RP on ₹5,000 spend (₹100 value). Add 5X on movies at ₹1,000/month (₹24/month = ₹288/year) and SmartDeal hotel bookings at 10X (₹60/₹3,000 booking). For regular SmartDeal hotel bookers doing 2–3 stays/month, the card generates ₹1,500–₹2,500/year in RP value at zero net fee — solid for a ₹0-cost entry card. The RuPay variant earns RP on UPI spends — genuinely unusual at this tier.
The honest limitation: for general everyday spending, BOB Easy's 0.20% base rate (1 RP/₹100) is too weak. For online shopping across Amazon, Flipkart, and other platforms, BOBCARD Cashback at 5% is the natural step up. For dining, lounge access, and lifestyle rewards, BOBCARD Eterna — 5X on restaurants, travel, and shopping with unlimited domestic lounge — completes what Easy cannot.
BOB Easy is the most accessible BOBCARD — fee waived at ₹6,000 spend, ₹3L income for BOB customers, UPI-linked RuPay variant, and 10X on SmartDeal hotel bookings. The right first card for BOB Bank account holders.
BOB Easy Credit Card Benefits
How to Get the Most Out of BOB Easy Credit Card
Spend ₹6,000 in 60 Days to Waive Joining Fee - The joining fee (₹499) is waived on spending ₹6,000 within the first 60 days of card issuance. This also covers the welcome RP condition (500 RP on ₹5,000 spend in 60 days) simultaneously. Make your first departmental store purchase, movie booking, or hotel booking on day 1. Cross ₹6,000 in Month 1 and both the joining fee waiver and welcome RP are triggered together — starting the card at zero net cost with ₹100 in RP value.
Book All Hotels via BOBCARD SmartDeal for 10X - The 10X hotel rate (2% at ₹0.20/RP) only applies to bookings made through BOBCARD SmartDeal — direct hotel site or third-party platform bookings earn only 1X. Download the BOBCARD app, navigate to SmartDeal, and compare rates. A ₹5,000 hotel booking on SmartDeal earns 500 RP = ₹100 cashback — vs ₹10 cashback if booked on Cleartrip with 1X. Defaulting to SmartDeal for all hotel bookings multiplies return by 10×.
Route All Movie and Department Store Spend to Stay Under ₹20,000/Month Combined - The 5X cap is 1,000 RP/month shared between movies and departmental stores. This fills at ₹20,000 combined monthly spend. If your combined spend exceeds ₹20,000, no additional 5X RP are earned for the month. Budget accordingly — split large departmental store purchases across months or use a different card once the cap is reached to avoid earning only 1X on remaining spend.
Use RuPay Variant and Link to UPI for Daily Earn - The RuPay variant earns base RP (1X) on UPI transactions — extending reward earning to every UPI payment you make. Select RuPay at application, then link to your preferred UPI app (PhonePe: Card → Add credit card → BOB Easy RuPay). Every kirana store, auto ride, and local vendor payment via UPI then earns RP. At ₹5,000/month in UPI spends, that's 50 RP = ₹10/month = ₹120/year in passive RP accumulation.
Upgrade to BOBCARD Cashback or Eterna Once Eligible - BOB Easy is the launchpad, not the destination. Once you have 6+ months of on-time payment history, apply for BOBCARD Cashback (5% on all online spends, zero fees on ₹4 monthly plan) or BOBCARD Eterna (5X dining + travel + unlimited domestic lounge on ₹40K quarterly). Keep BOB Easy active (helps CIBIL via longer credit history) but route your primary spend to the card with the better rate.
Book All Hotels via BOBCARD SmartDeal for 10X - The 10X hotel rate (2% at ₹0.20/RP) only applies to bookings made through BOBCARD SmartDeal — direct hotel site or third-party platform bookings earn only 1X. Download the BOBCARD app, navigate to SmartDeal, and compare rates. A ₹5,000 hotel booking on SmartDeal earns 500 RP = ₹100 cashback — vs ₹10 cashback if booked on Cleartrip with 1X. Defaulting to SmartDeal for all hotel bookings multiplies return by 10×.
Route All Movie and Department Store Spend to Stay Under ₹20,000/Month Combined - The 5X cap is 1,000 RP/month shared between movies and departmental stores. This fills at ₹20,000 combined monthly spend. If your combined spend exceeds ₹20,000, no additional 5X RP are earned for the month. Budget accordingly — split large departmental store purchases across months or use a different card once the cap is reached to avoid earning only 1X on remaining spend.
Use RuPay Variant and Link to UPI for Daily Earn - The RuPay variant earns base RP (1X) on UPI transactions — extending reward earning to every UPI payment you make. Select RuPay at application, then link to your preferred UPI app (PhonePe: Card → Add credit card → BOB Easy RuPay). Every kirana store, auto ride, and local vendor payment via UPI then earns RP. At ₹5,000/month in UPI spends, that's 50 RP = ₹10/month = ₹120/year in passive RP accumulation.
Upgrade to BOBCARD Cashback or Eterna Once Eligible - BOB Easy is the launchpad, not the destination. Once you have 6+ months of on-time payment history, apply for BOBCARD Cashback (5% on all online spends, zero fees on ₹4 monthly plan) or BOBCARD Eterna (5X dining + travel + unlimited domestic lounge on ₹40K quarterly). Keep BOB Easy active (helps CIBIL via longer credit history) but route your primary spend to the card with the better rate.
BOB Easy Credit Card Annual Fees
| Joining Fee | ₹499 + GST; waived on ₹6,000 spend within 60 days of card issuance |
| Annual Renewal Fee | ₹499 + GST; waived at ₹35,000 annual spend (~₹2,917/month) |
| LTF Offer Note | A Limited Period Lifetime Free (LTF) offer was available until March 31, 2026. This offer may no longer be active. Verify current fee structure at bobcard.co.in before applying. |
| Forex Markup | 3.5% on international transactions |
| Finance Charge | 3.5% per month (42% per annum) |
| Cash Advance Fee | 2.5% of amount; minimum ₹500 |
| Fuel Surcharge Waiver | 1% on ₹400–₹5,000 fuel transactions; max ₹250/statement cycle |
| RP Redemption Fee | ₹0 — Free redemption |
| Minimum Credit Limit | ₹25,000 |
| Minimum Income (Salaried) | ₹3,00,000/year (BOB Bank existing customers); ₹3,60,000/year (SE, existing BOBCARD customers); ₹4,80,000/year (others) |
BOBCARD Easy Credit Card Eligibility & Documents
Age 21–60 years (primary); 18+ for add-on
Minimum annual income ₹3,00,000/year for existing BOB Bank customers; ₹3,60,000/year for non-BOB salaried; ₹4,80,000/year for others (salaried, non-BOBCARD non-BOB)
Documents required PAN card · Aadhaar card (both sides) · Voter ID / Passport / Driving Licence · Latest salary slips · Passport-size photograph
Residency Indian Resident
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for BOBCARD Easy Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Fill Application - Enter mobile, email, PAN, income details. Select your preferred network: Visa, Mastercard, or RuPay. Card24.ai forwards your application securely to BOBCARD. Or apply at bobcard.co.in/credit-card-types/easy.
2
Aadhaar e-Sign + KYC - Complete Aadhaar-based digital e-sign (OTP on Aadhaar-linked mobile). Then complete video KYC via the BOBCARD app.
3
Credit Assessment - BOBCARD reviews CIBIL and income. For existing BOB Bank customers: typically 24–48 hours. New applicants: 48–72 hours.
4
Card Dispatch - Physical BOB Easy card delivered to address in 7–10 working days. Activate via BOBCARD app or call 1800 103 1006.
5
Three First-Month Actions - a) Spend ₹6,000 within 60 days to waive joining fee AND earn 500 welcome RP. (b) If RuPay: link to PhonePe/Google Pay for UPI earning. (c) Book next hotel stay via BOBCARD SmartDeal for 10X RP. All three actions are time-sensitive — complete in Month 1.
*T&C Apply
Frequently Asked Questions
Key benefits: (1) 5X RP on movies and departmental stores (1% at ₹0.20/RP) — capped at 1,000 RP/month combined. (2) 10X on hotels via BOBCARD SmartDeal (2%). (3) 4X on flights via SmartDeal. (4) Joining fee ₹499 waived on ₹6,000 in 60 days. (5) Annual fee waived at ₹35,000/year. (6) Free redemption — no RP redemption fee. (7) Available on Visa, Mastercard, RuPay (UPI-linked). (8) 3 free add-on cards.
No. The BOB Easy Credit Card provides no domestic or international airport lounge access at any spend level on any network variant (Visa, Mastercard, RuPay). For lounge access within BOBCARD's range, see BOBCARD Eterna which provides unlimited domestic lounge access on ₹40,000 quarterly spend.
The joining fee (₹499) is waived on spending ₹6,000 within the first 60 days of card issuance. This threshold simultaneously covers the welcome RP condition (500 RP on ₹5,000 spend in 60 days). Spend ₹6,000 on any eligible purchase in the first 60 days — the first transaction at a departmental store or a hotel booking via SmartDeal can get you there quickly.
₹499 + GST annual renewal fee. Waived on spending ₹35,000 in the card anniversary year — just ₹2,917/month — among the lowest fee waiver thresholds on any BOBCARD. LTF offer: a Lifetime Free variant was available until March 31, 2026. As of June 2026, verify the current fee structure on bobcard.co.in as the LTF promotional period has ended.
5 RP per ₹100 on movies and departmental stores = 1% (at ₹0.20/RP) — capped at 1,000 RP/month combined. 10 RP per ₹100 on hotel bookings via BOBCARD SmartDeal = 2%. 4 RP per ₹100 on flights via SmartDeal = 0.80%. 1 RP per ₹100 on all other eligible = 0.20%. Zero RP on fuel, wallets, insurance, govt, rent, education, hospital, charity, fast food.