Bank of Baroda Easy Credit Card
Referral Reward: ₹1350
Incentive Structure
- NTB (New-to-Bank) Card Approval: ₹1350
- ETB (Existing-to-Bank) Card Approval: ₹200
How to Earn
Program Objective
Refer eligible customers for the Bank of Baroda Easy Credit Card and receive rewards after successful application verification.
Special Promotional Offer
The card may be available as a Lifetime Free (LTF) card under specific promotional campaigns, meaning eligible customers can enjoy the card without joining or annual fees for the offer period. Terms and availability are determined by the bank.
Important Note
Applications categorized under specific internal bank conversion or upgrade programs may not qualify for referral incentives.
Application Process
Step 1: Share the Referral Link
Send your referral link to interested customers through WhatsApp, SMS, email, or other communication channels.
Step 2: Customer Registration
The customer opens the referral link and enters the required basic information.
Step 3: Complete the Credit Card Application
The applicant provides:
Personal Information
- Full name
- Mobile number
- Email address
- Date of birth
- Residential address
- City and PIN code
Verification Process
- Accept terms and conditions
- Generate and verify OTP
- Complete identity verification requirements
Employment and Financial Information
- Occupation details
- Income details
- Existing banking and credit card relationships (if applicable)
Aadhaar-Based Authentication
- Enter Aadhaar-related details as requested
- Complete OTP verification
- Proceed with electronic signing where required
Additional Information
- Marital status
- Educational qualification
- Family details
- Contact information
Optional Features
- Select add-on card preferences if desired
Document Upload
Upload the required supporting documents, including:
- Photograph
- Income proof
- Address proof
- Other requested KYC documents
Final Verification
- Accept all declarations and terms
- Complete Aadhaar-based e-signature
- Successfully finish Video KYC
Reward Credit
Referral incentives are processed only after successful application verification and approval.
Customer Eligibility
Applicants should generally meet the following criteria:
Age Requirements
Salaried Individuals
- 21 to 60 years
Self-Employed Individuals
- 24 to 65 years
Income Requirements
Salaried Applicants
- Annual income of approximately ₹3.6 lakh or more
Self-Employed Applicants
- Annual income of approximately ₹4.8 lakh or more
Credit Profile
- No significant payment defaults reported during the previous 12 months
- Healthy credit history preferred
Product Overview
The Bank of Baroda Easy Credit Card is designed for everyday spending needs. It is suitable for customers seeking a straightforward credit card with rewards on routine purchases, shopping, entertainment, and household expenses.
Customer Benefits
Cardholders may enjoy benefits such as:
- Enhanced rewards on selected shopping and entertainment categories
- Reward points on general spending transactions
- Flexible EMI conversion options on eligible purchases
- Reward redemption opportunities through the bank’s rewards program
- Savings and offers across participating merchants
Common Reasons for Rejection
Applications may be declined due to:
- Incomplete application details
- Incorrect or mismatched KYC information
- Income below eligibility requirements
- Unsatisfactory credit history or payment records
- Failure to activate the approved card
- Verification discrepancies during the review process
Ideal Customer Profile
The most suitable prospects include:
- First-time credit card applicants
- Individuals looking for a simple, easy-to-manage credit card
- Customers interested in shopping and entertainment rewards
- Applicants with stable income and good repayment history
- Individuals seeking low-cost or fee-waiver credit card options
Referral Best Practices
- Verify all applicant information before submission.
- Ensure documents are clear and valid.
- Guide customers through every verification step.
- Encourage timely completion of Video KYC.
- Follow up until approval and card activation are completed.