Bank of Baroda Easy vs Bank of Baroda Premier
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Bank of Baroda Premier Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.1/10 vs 5.3/10.
| Feature | Bank of Baroda Easy | Bank of Baroda Premier |
|---|---|---|
| CardTrail Score | 5.3/10 | 7.1/10 |
| Annual Fee | ₹500 | ₹1,000 |
| Base Reward Rate | 0.2% | 0.25% |
| Max Reward Rate | 0.5% | 1% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 2 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Bank of Baroda Easy
- You can meet the fee waiver condition: Spend ₹35K/year
- Your primary spend is: beginners, cashback
When to Choose Bank of Baroda Premier
- You can meet the fee waiver condition: Spend ₹1.2L/year
- You want higher rewards — up to 1% vs 0.5%
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: general, lounge
Annual Fee Value Analysis
To break even on Bank of Baroda Easy's ₹500 fee at 0.2% rewards, spend ₹20,833/month.
To break even on Bank of Baroda Premier's ₹1,000 fee at 0.25% rewards, spend ₹33,333/month.