Bank of Baroda

BOBCARD PRIME Credit Card

Lifetime free FD-backed BOBCARD PRIME: guaranteed issuance, no income proof, 2 Reward Points per ₹100

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Issued by

Bank of Baroda

BOBCARD PRIME Credit Card image
Joining FeeFree
Annual FeeFree
Income₹25000
Credit Score720

Key Highlights

Start With an FD of Just ₹15,000

a low entry barrier, with your credit limit set against the FD amount, The FD stays invested and continues to earn interest while it secures your card, so your savings keep working for you

Shopping

Earn 2 Reward Points for Every ₹100 Spent

across categories, plus attractive deals and discounts across leading online and retail brands

UPI

Keep Earning Rewards on UPI Payments

up to 500 Reward Points per statement cycle

Keep Earning Rewards on UPI Payments

up to 500 Reward Points per statement cycle

Eligibility

Age Criteria21-65
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree
Joining Fee OffsetEarn 500 Reward Points on spends of ₹5,000 within 60 days of card issuance
Annual FeeFree
Annual Fee WaiverNot Applicable
Estimated Annual Saving₹10000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.20
Redemption Options
  • Reward Points are redeemed as cashback and adjusted against the card account
Earning ExclusionsFuel, EMI Transactions, Wallet Load, Rent, Government Spends, Cash Advances, ATM Withdrawals, Jewellery
Spend ExclusionsFuel, EMI Transactions, Wallet Load, Rent, Government Spends, Cash Advances, ATM Withdrawals, Jewellery

Benefits

All Benefits

  • BOBCARD PRIME is a lifetime free, FD-backed (secured) credit card issued against a lien on a Bank of Baroda fixed deposit minimum FD ₹15,000, with guaranteed issuance against an FD of ₹30,000 or more without any income proof except for CIBIL-delinquent customers
  • Earn 2 Reward Points per ₹100 on all other categories and 1 Reward Point per ₹100
  • Also includes 500 welcome Reward Points on spends of ₹5,000 in 60 days
  • up to 3 lifetime free add-on cards
  • zero liability on a lost card and contactless payments

Welcome Benefits

  • Earn 500 Reward Points on spends of ₹5,000 within 60 days of card issuance

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped at a maximum of ₹250 per statement cycle

Insurance Benefits

  • Complimentary Personal Accidental Death Cover ₹15 lakh for air accidents and ₹5 lakh for non-air accidents, for the financial protection of your family 

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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