BOBCARD EASY
BOBCARD Limited
An accessible entry card with the lowest fee-waiver bar in this batch.
₹500
Joining fee
₹500, waived at ₹35k spend
Annual fee
Joining & annual fee reversal on milestone spends — first-year fee reversal reflects in the 4th bill statement; applies only to non-delinquent cardholders. Exact spend amount for the milestone not disclosed in the fetched content.
3.5%
Forex markup
3.8 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 620+
Estimated — not officially confirmed by the bank.
Age: 18–65
Salaried: minimum Rs 3 lakh+ per annum income, age 21-65; self-employed: minimum Rs 3.6 lakh+ per annum income; add-on cardholders 18+ (official).
Key features
- 5 pts/₹100 on department stores and movies
- 500 welcome points
- Very low ₹35k fee-waiver threshold
Reward details
1 reward point per Rs 100 on all other categories (aggregator-sourced)
- 5X rewards = 5 points per Rs 100 on Movies, groceries, departmental stores — 1,000 Reward Points per statement cycle; spend beyond the cap reverts to the base rate
Redemption
Reward points valued at approximately Rs 0.20/point per a user comment cited by CardInsider (aggregator/user-sourced, not officially confirmed in this pass).
Excluded from rewards: select MCCs (not fully itemized), fuel
- Additional 0.5% cashback on select MCCs (aggregator-sourced).
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- A user confirmed the informal redemption value ('Easy credit card gives 20 paisa per 1 reward') — CardInsider comment
Complaints
- A user noted difficulty finding official confirmation of the reward structure directly on the bank's own website, suggesting communication/transparency gaps — CardInsider comment
Sources
- Official — fees, eligibility, rewards
- Aggregator — forex, rewards, sentiment