Bank Of Baroda Cashback Mastercard Credit Card vs Bank Of Baroda Easy Visa Credit Card: Which is Better in 2026?
vs
When comparing the Bank Of Baroda Cashback Mastercard Credit Card and the Bank Of Baroda Easy Visa Credit Card, the latter stands out with its structured rewards program and fee waivers. The Cashback Mastercard offers no notable benefits, making it less appealing for users seeking value.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Bank Of Baroda Cashback Mastercard Credit Card | Bank Of Baroda Easy Visa Credit Card |
|---|---|---|
| Bank | Bank Of Baroda | Bank Of Baroda |
| Network | MasterCard | Visa |
| Joining fee | — | Joining Fee of Rs.500 |
| Annual / renewal fee | — | Annual Fee of Rs.500 |
| Annual fee waiver | — | Spend Rs.6000 For Joining Fee Waiver |
| Reward rate (headline) | — | 5X Reward Points on Movies |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Earn 500 Reward points As Welcome Benefit on the Spends of Rs.5000 |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Bank Of Baroda Easy Visa Credit Card is better for rewards, offering 5X reward points on movies and departmental stores, along with a welcome benefit of 500 reward points after a minimum spend. In contrast, the Cashback Mastercard provides no rewards or cashback options, making it less favorable for users looking to earn benefits from their spending.
Which is better for travel?
Both cards do not provide any lounge access benefits, which is a common feature in travel-focused credit cards. Therefore, neither card stands out for travel-related perks, making them both less suitable for frequent travelers.
Which has lower effective cost?
The Bank Of Baroda Easy Visa Credit Card has a joining fee and an annual fee of Rs.500, which can be waived by spending Rs.6000 within the first 60 days and Rs.35000 annually, respectively. The Cashback Mastercard, however, does not disclose any fees or waivers, which could imply a lack of transparency or benefits.
Who should pick Bank Of Baroda Cashback Mastercard Credit Card?
Consider Bank Of Baroda Cashback Mastercard Credit Card if you prefer a straightforward card without fees or rewards, although it may not provide significant value compared to other options.
Who should pick Bank Of Baroda Easy Visa Credit Card?
Consider Bank Of Baroda Easy Visa Credit Card if you want to earn rewards on your spending, especially on movies and departmental stores, and appreciate the possibility of waiving fees through spending.
Frequently Asked Questions
The Bank Of Baroda Easy Visa Credit Card has a joining fee of Rs.500 and an annual fee of Rs.500, while the Bank Of Baroda Cashback Mastercard Credit Card does not disclose any fees.
Yes, the Bank Of Baroda Easy Visa Credit Card offers a rewards program with 5X points on specific categories, while the Cashback Mastercard has no rewards.
Yes, the joining fee can be waived by spending Rs.6000 in the first 60 days, and the annual fee can be waived by spending Rs.35000 in a year.
Neither card offers travel benefits such as lounge access or travel insurance.