BOB Easy Credit Card 2025
Earn up to ₹12,000+ per annum with a lifetime free card, 5X dining/grocery rewards, and a 1% fuel surcharge waiver!
If you are looking for a completely free card that provides great rewards on daily transactions, then the BOB Easy Credit Card is one of the best lifetime free cards that are currently available in the market. The BOB Easy Credit Card offers zero joining fees, annual fees, 5 Reward Points per ₹100 spent on dining, groceries, and departmental stores, 1 Reward Point per ₹100 on other spending, a fuel surcharge waiver of 1% up to ₹400 per month, and easy redemption of points at the rate of 1 point = ₹0.25. Income proof is not required for existing BoB clients—super easy approval process.
Why Is This The Best Lifetime Free Daily Card in 2025?
Lifetime fee-free • 5X dining/grocery • 1X everywhere • 1% fuel rebate • Easy approval • Easy redemption
Suitable For: New users, Salaried employees, Grocery & dining expenses, BoB account holders
Lifetime Free – No joining or renewal fee ever
Card At a Glance
Nil
Nil (Lifetime Free)
5X dining/grocery | 1X others
Reward Points (1 point = ₹0.25)
1% (up to ₹400/month)
Vouchers/Statement Credits
Complete Fees & Charges
| Particular | Details |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (Lifetime Free) |
| Welcome Benefit | Nil (but zero fee forever) |
| Rewards Redemption Fee | Nil |
| Foreign Currency Mark-Up | 3.5% + GST |
| Interest Rate | 3.49% per Month |
| Fuel Surcharge Waiver | 1% waiver (₹400 per month maximum) |
| Cash Advance Fee | 2.5% or ₹500 |
Detailed Reward Rates (2025)
- 5 Reward Points per ₹100 at Dining, Grocery, Departmental Stores
- 1 Reward Point per ₹100 on all other spending
- 1 Reward Point = ₹0.25 redemption value
- No rewards on wallet loading, rent, fuel, or government payments
- Redemption through BoB reward platform or statement credits
Airport Lounge Access
No access to a complimentary lounge with BOB Easy Credit Card
Insurance & Protection Benefits
- No liability for lost cards
- Purchase protection of up to ₹20,000
- Personal Accident Insurance: ₹2 Lakh
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Completely free for entire life | Does not have access to lounges |
| 5X on dining & grocery | 3.5% Forex Markup |
| 1X on other purchases | Reduced rewards rate compared with premium credit cards |
| 1% fuel waiver up to ₹400 | No welcome bonus |
| Very easy approval |
Eligibility Criteria and Documents Required
- Age: 21-60 years
- Minimum Income: ₹3 Lakh per annum or existing BoB customer
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar number, salary slip or Form 16
How to Apply Online (5-Minute Process)
- Visit the Bank of Baroda website: Credit Cards: Easy Card
- Click Apply Now → Enter mobile & PAN
- Fill details → Upload documents (if required)
- Video KYC → Card dispatched in 7-10 days
Final Verdict—Should You Get It in 2025?
If you are looking for a 100% free card with decent 5X rewards for groceries, dining, and overall spending, BOB Easy is definitely among the easiest and most rewarding lifetime free cards in India. The BOB Easy Credit Card is best first card or second card for everyday spending with zero fees.
Frequently Asked Questions (FAQs)
Is BOB Easy Credit Card truly "lifetime free"?
Yes, zero joining fee & zero annual fee forever for BOB Easy Credit Card.
How many points for grocery purchases with BOB Easy Credit Card?
5 points for every ₹100 (5% value back) with BOB Easy Credit Card.
Any fuel waiver with BOB Easy Credit Card?
Yes, a 1% surcharge waiver up to ₹400/month with BOB Easy Credit Card.
Any lounge access with BOB Easy Credit Card?
No, it's a basic lifetime free card with BOB Easy Credit Card.
Income proof required for BOB Easy Credit Card?
Not required for existing BoB customers for BOB Easy Credit Card.
Affiliate Disclosure: There might be some affiliate links on this website. If accepted, we will receive a commission at no additional cost when you apply through those links. Last updated: November 21, 2025