Bank of Baroda EaseMyTrip Debit Card – Benefits, Fees & Eligibility

Introduction

The Bank of Baroda EaseMyTrip Debit Card, issued by Bank of Baroda, is a co-branded RuPay Platinum debit card designed to enhance travel experiences and everyday purchases. It offers a comprehensive suite of benefits including significant discounts on domestic and international flights and hotels via EaseMyTrip, complimentary airport lounge access, and various lifestyle perks such as OTT subscriptions, shopping vouchers, and movie ticket discounts. This card is linked to specific Savings, Current, CC, and OD accounts, providing a blend of travel-centric advantages and daily utility.

Welcome Benefits

• Annual membership for one OTT platform: Amazon Prime, Zee5, or SonyLiv.
• Quarterly shopping vouchers: Big Basket or Blinkit, and Flipkart voucher worth INR 250.
• Quarterly Bookmyshow offer: Flat INR 250 off on the purchase of 2 movie/non-movie tickets.
• Annual Gaana Plus Pack: 12-month complimentary subscription.

Transaction Limits & Usage

• Daily ATM cash withdrawal limit: Rs. 50,000.
• Daily POS/E-commerce transaction limit: Rs. 1,00,000.
• Contactless transactions: Up to Rs. 5,000 can be performed without a PIN at POS terminals.
• International usage: Initially disabled for online/international/contactless transactions. These channels must be enabled via BOB ATM, bob World App, bob World Internet, or IVR. International usage is only available for International/Contactless Debit Card variants.
• Card activation: The card requires a first transaction at a BOB ATM or Green PIN generation via BOB ATM/bob World App/bob World Internet/IVR to enable online transactions.
• Account linking: A maximum of 9 accounts held in the same name and capacity can be linked to the debit card by submitting a request at the base branch.
• Debit card blocking:
  • Soft blocking: Occurs after 3 incorrect PIN attempts within a 24-hour period, blocking the card for the next 24 hours.
  • Hard blocking: Occurs after 12 incorrect PIN attempts within a month, resulting in permanent card blocking.
• Non-usage: Frequent use is required to avoid debit card blocking.

Fees and Charges

• Issuance Fee: INR 599 + Taxes.
• Annual Fee: INR 599 + Taxes.
• Card Replacement Fee: Applicable for lost/damaged cards; details available on the bank's service charges page.
• ATM Withdrawal Charges: No free transactions for Current Account holders at other bank's ATM machines.

Rewards & Offers

Travel Discounts (via EaseMyTrip)

• Domestic Flight Bookings: 10% instant discount, maximum up to Rs. 1,000 (no minimum order value).
• International Flight Bookings: 10% instant discount, maximum up to Rs. 5,000 (no minimum order value).
• Domestic Hotel Bookings: 15% instant discount, maximum up to Rs. 5,000 (no minimum order value).
• International Hotel Bookings: 15% instant discount, maximum up to Rs. 10,000 (no minimum order value).
• Bus Bookings: 10% instant discount, maximum up to Rs. 250 (no minimum order value).
• Spree Hotels: 25% instant discount, maximum up to Rs. 5,000.
• Yolo Bus Booking: 15% instant discount, maximum up to Rs. 300.
• Airport Transfer/Outstation Cab: 10% instant discount, maximum up to Rs. 1,000.
• Activity Booking: 10% instant discount, maximum up to Rs. 1,000.

Lifestyle & Entertainment

• OTT: Annual membership for one of Amazon Prime, Zee5, or SonyLiv.
• Shopping: Quarterly Big Basket or Blinkit, and Flipkart voucher worth INR 250.
• Bookmyshow: Quarterly flat INR 250 off on the purchase of 2 movie/non-movie tickets.
• Gaana+: Annual 12-month complimentary subscription.

Lounge Access

• Complimentary domestic airport lounge access (2 per quarter).
• Complimentary international airport lounge access (2 per annum).

Insurance Coverage

• Personal accident and permanent disability cover up to Rs. 10 Lacs.
• Air Accident Insurance up to Rs. 50 Lacs.
• Eligibility for insurance coverage requires a minimum of one successful RuPay Card induced financial transaction at any POS/Ecom (on us or off us) within 30 days prior to the date of accident, including the accident date.

Account & Eligibility Criteria

• Eligible Account Types:
  • Individuals maintaining specific Savings accounts with operational instructions as “Self” or “Either or Survivor” or “Any one or Survivor”.
  • Individuals maintaining specific Current accounts with mode of operation as Self; Sole Proprietor; Any One Partner; Any One Director; Chairman; Managing Director; Authorised Signatory.
  • Individuals maintaining specific CC accounts (RuPay BKCC cards are issued).
  • Individuals maintaining specific OD accounts (RuPay Mudra cards are issued).
• Application Process:
  • Existing customers can apply via a Bank of Baroda Branch, the bob World app, or Internet Banking.
  • New customers can visit any Bank of Baroda branch for assistance.
• Eligibility Check: Determined by the scheme code and mode of operation used to open the bank customer account.

Debit Card Review

The Bank of Baroda EaseMyTrip Debit Card is an excellent choice for frequent travelers and individuals who regularly use EaseMyTrip for their booking needs. Its co-branded nature provides substantial discounts on flights, hotels, buses, and cabs, making travel more affordable. Beyond travel, the card offers valuable lifestyle benefits including complimentary OTT subscriptions, shopping vouchers, and movie ticket discounts, adding significant value to everyday spending. The inclusion of domestic and international lounge access, along with high insurance coverage, further enhances its appeal. However, users should be aware of the issuance and annual fees, and the requirement to manually enable online and international transaction channels. While it lacks a general cashback program, its specific discounts and bundled benefits offer a strong value proposition for its target audience.

Important Product Details

• Card Type: RuPay Platinum Debit Card.
• Key Benefits:
  • Extensive travel discounts on EaseMyTrip for flights, hotels, buses, cabs, and activities.
  • Complimentary domestic (2 per quarter) and international (2 per annum) airport lounge access.
  • Valuable lifestyle perks including annual OTT subscriptions (Amazon Prime/Zee5/SonyLiv), quarterly shopping vouchers (Big Basket/Blinkit/Flipkart), and Bookmyshow discounts.
  • High insurance coverage: up to Rs. 10 Lacs for personal accident/permanent disability and Rs. 50 Lacs for air accident.
  • 24x7 Concierge Services for flight bookings, table reservations, gift deliveries, and more.
• Key Considerations:
  • An issuance fee and annual fee of INR 599 + Taxes apply.
  • Online, international, and contactless transaction channels are initially disabled and require activation.
  • No explicit general cashback program.

Other Details

• The Bank may utilize agents for sales and marketing activities.
• Complimentary features offered with the card are subject to change over time.
• Detailed Terms and Conditions are provided with the Welcome-Kit.
• Debit cards are initially enabled only for contact-based points of usage (ATMs and POS devices) within India.
• Customers can hotlist (block) their debit card instantly through Contact Centre, bob World App (Mobile Banking), WhatsApp Banking, bob World Internet (Net Banking), or by visiting a Bank of Baroda branch.
• To prevent card renewal, customers must block the card via Branch/IVR/bob World app/bob World Internet at least one month prior to the card renewal month. Failure to block will be considered as consent for renewal. The bank sends SMS notifications 35-40 days before card expiry.
• General information regarding debit cards, such as definitions, usage, and troubleshooting for ATM issues, is available through the bank's FAQs.