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Up to 50 days interest-free
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| Benefit | Details |
|---|---|
| Guaranteed Card Issuance | Get guaranteed credit card approval against a fixed deposit of ₹15,000 or more, without income proof requirement—perfect for building or rebuilding credit. |
| Lifetime Free Card | Enjoy zero joining fee and zero annual fee for the lifetime of the card—no spending thresholds or fee waivers to track. |
| Reward Programme | Earn 2 Reward Points per ₹100 spent on eligible purchases, redeemable at ₹0.20 per point for cashback and other benefits. |
| Comprehensive Insurance | Benefit from ₹15 Lakh air accident cover and ₹5 Lakh non-air personal accidental death insurance for financial protection. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda (BOBCARD) |
| Bank / Non-bank | Bank-affiliated (Public Sector Bank) |
| Category | Secured / Entry-Level |
| Type of Card | Secured Credit Card (FD-Backed) |
| Free or Paid | Lifetime Free (₹0 joining + ₹0 annual fee) |
The Bank of Baroda PRIME Credit Card is the perfect choice for individuals seeking to establish or rebuild their credit history without stringent income requirements. As India's most accessible secured credit card from a trusted public sector bank, the BOBCARD PRIME delivers guaranteed approval backed by a minimum fixed deposit of just ₹15,000, making it ideal for students, first-time credit card users, homemakers, retired individuals, or those with limited or impaired credit history. With lifetime free status (zero joining and annual fees), modest rewards earning of 2 points per ₹100 spend, fuel surcharge waiver up to ₹250 monthly, welcome bonus of 500 points, comprehensive accident insurance coverage, flexible EMI conversion, and up to 3 complimentary add-on cards for family members—all whilst your fixed deposit continues earning interest—this card represents a responsible, low-risk pathway to building creditworthiness, demonstrating financial discipline, and accessing credit card conveniences without the pressure of high fees or complicated eligibility criteria.
Secured Card Advantage: The BOBCARD PRIME is a secured credit card issued against a fixed deposit of ₹15,000 or more with Bank of Baroda. Your FD acts as collateral, providing the bank security whilst guaranteeing your card approval—making it accessible to those who might not qualify for unsecured credit cards.
Guaranteed Issuance Without Income Proof: One of the card's biggest advantages is guaranteed approval without requiring salary slips, ITR, or other income documentation. Simply open an FD of ₹15,000 or more, and you're eligible for the PRIME Credit Card—perfect for students, homemakers, self-employed individuals, or those between jobs.
Credit Limit Based on FD: Your credit limit is determined by your fixed deposit amount. Typically, you'll receive a credit limit of 80-90% of your FD value, though this may vary based on bank policy. A ₹15,000 FD generally provides a credit limit of approximately ₹12,000-₹13,500.
Lifetime Free Status: Unlike most credit cards that charge joining and annual fees, the BOBCARD PRIME is completely free for life. There are no fees to pay when you join, and no annual charges in subsequent years—regardless of your spending pattern. This makes it exceptionally economical for budget-conscious users.
Build Credit History: The primary benefit for many PRIME cardholders is the opportunity to build or rebuild credit history. Regular usage with timely full payments demonstrates financial responsibility to credit bureaus, gradually improving your CIBIL score and opening doors to unsecured credit cards and loans in the future.
FD Continues Earning Interest: Your fixed deposit remains intact and continues earning interest as per Bank of Baroda's prevailing FD rates. As long as you pay your credit card bills on time and in full, your FD remains untouched, providing dual benefits—credit card access plus interest income.
Modest Reward Programme: Earn 2 Reward Points for every ₹100 spent on eligible retail purchases. With each Reward Point valued at ₹0.20, this provides a 0.4% reward rate. Whilst modest compared to premium cards, it ensures every purchase adds value whilst you build credit.
Welcome Bonus: Receive 500 Reward Points (worth ₹100) as a welcome benefit when you spend a minimum of ₹5,000 within the first 60 days of card issuance. This kickstarts your rewards journey and provides immediate value.
Fuel Surcharge Waiver: Save on fuel expenses with 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across India. Maximum monthly waiver capped at ₹250, providing up to ₹3,000 in annual fuel savings.
Flexible EMI Conversion: Convert purchases of ₹2,500 or more into easy monthly instalments with repayment tenures ranging from 6 to 36 months. This helps manage larger expenses without straining your budget whilst maintaining good payment history.
Multiple Redemption Options: Redeem accumulated Reward Points for cashback against your statement balance, or exchange them for vouchers, products, and other benefits through the BOBCARD Rewards Catalogue.
Complimentary Add-On Cards: Offer credit card benefits to your family members with up to 3 lifetime free add-on cards for spouse, parents, children (above 18 years), or siblings. Add-on cardholders share your credit limit but can build their own credit profiles.
Comprehensive Insurance Coverage: Enjoy peace of mind with ₹15 Lakh air accident insurance cover and ₹5 Lakh non-air personal accidental death insurance. Your loved ones are financially protected in case of unforeseen accidents.
Zero Lost Card Liability: Report a lost or stolen card immediately to Bank of Baroda, and you won't be liable for any fraudulent transactions made after reporting. The bank will re-issue your card promptly for continued convenience.
Interest-Free Period: Enjoy up to 50 days of interest-free credit from the transaction date, allowing you to manage cash flow efficiently. Pay your full statement balance before the due date to avoid interest charges.
Revolving Credit Facility: Maintain flexibility by paying at least the minimum amount due whilst carrying forward the balance. However, note that interest applies on revolving balances at 3.25% per month (39% annually), so full payment is recommended.
Important Note on FD Lien: If you default on credit card payments or fail to pay the minimum amount due, Bank of Baroda reserves the right to liquidate (dissolve) your fixed deposit to recover the outstanding amount along with interest charges and applicable fees. This makes responsible payment behaviour essential.
The BOBCARD PRIME's combination of guaranteed approval, lifetime free status, credit-building opportunity, and basic rewards makes it an exceptional entry point into the credit card ecosystem for those seeking to establish financial credibility.
2 Reward Points per ₹100 on Eligible Spends (0.4% Value-Back)
Earn 2 Reward Points for every ₹100 spent using your BOBCARD PRIME on eligible retail purchases. With each Reward Point valued at ₹0.20, this provides a 0.4% reward rate on spending.
Applicable Categories:
Retail shopping
Dining at restaurants
Entertainment and movies
Online shopping
Department stores
And other eligible merchant categories
Reward Exclusions
No Reward Points are awarded on the following transactions and merchant categories:
Fuel purchases
Agriculture-related spends
Contractor payments
Transportation services
Rent payments
Insurance premium payments
Telecom and mobile recharges
Supermarket purchases
Convenience store purchases
Fast food restaurants
Wallet loads and recharges
Hospital and medical expenses
Education fee payments
Government institution payments
Charity and donation transactions
Cash advances
EMI transactions
Note: The extensive exclusion list means Reward Points are earned primarily on general retail, dining, entertainment, and online shopping categories.
Redemption Value: 1 Reward Point = ₹0.20
The Reward Points earned can be redeemed through the BOBCARD Rewards Programme in multiple ways:
Cashback Against Statement Balance
Redeem Reward Points for cashback credit against your credit card statement balance at ₹0.20 per point. This reduces your outstanding amount and provides straightforward value.
Example: 1,000 Reward Points = ₹200 cashback credit to your statement.
Vouchers
Exchange Reward Points for e-vouchers from popular brands and retailers through the BOBCARD Rewards Catalogue.
Products & Merchandise
Redeem points for products from the rewards catalogue including electronics, accessories, lifestyle items, and other merchandise.
Other Benefits
Explore additional redemption options through the BOBCARD Rewards Programme as available.
To Redeem: Access the BOBCARD Rewards Programme through Bank of Baroda's website, mobile banking app, or contact customer care at 1800 5000 / 1800 5700 (toll-free).
500 Reward Points Welcome Bonus
Receive 500 Reward Points (valued at ₹100) as a welcome benefit when you spend a minimum of ₹5,000 within the first 60 days of card issuance.
Value: ₹100 cashback equivalent when redeemed at ₹0.20 per point.
Qualification: Complete retail spends of ₹5,000 or more within 60 days of receiving your card to earn this bonus.
Air Accident Insurance
Receive ₹15 Lakh air accident insurance cover providing comprehensive financial protection for you and your family in case of accidental death whilst travelling by air.
Non-Air Personal Accidental Death Insurance
Benefit from ₹5 Lakh personal accidental death insurance cover for accidents occurring outside of air travel, offering additional financial security.
To Claim: In the unfortunate event of a claim, contact Bank of Baroda Credit Card customer care at 1800 5000 / 1800 5700 (toll-free) or +91 79-66296009 (for calls from abroad) for claim procedures and documentation requirements.
Fuel Surcharge Waiver
Enjoy 1% fuel surcharge waiver on fuel purchases at all petrol stations across India.
Terms:
Transaction Range: ₹400 to ₹5,000
Maximum Waiver: ₹250 per statement cycle (monthly)
Applicable: All fuel outlets nationwide
Automatic: Waiver applied automatically to eligible transactions
Annual Savings: For regular drivers, this benefit can provide up to ₹3,000 in annual fuel savings.
Up to 50 Days: Enjoy up to 50 days of interest-free credit from the transaction date, allowing you to manage expenses efficiently and plan payments strategically. The interest-free period varies based on when your transaction occurs relative to your statement generation date.
To Maintain Interest-Free Status: Pay your full statement balance before the payment due date every month.
In case of card loss or theft, immediately report it to Bank of Baroda Credit Card customer care. You will not be liable for any fraudulent transactions made after reporting the loss. The bank will promptly re-issue your card for continued convenience.
Customer Care: 1800 5000 / 1800 5700 (toll-free domestic) or +91 79-66296009 (from abroad)
Maintain financial flexibility by paying at least the minimum amount due (typically 5% of total outstanding) whilst carrying forward the remaining balance. However, note that interest charges apply on revolving balances.
Recommendation: Always pay your full statement balance to avoid interest charges of 3.25% per month (39% annually) and maintain optimal credit health.
Convert purchases of ₹2,500 or more into easy monthly instalments through Bank of Baroda's EMI facility.
Tenure Options: Choose repayment periods ranging from 6 to 36 months based on your cash flow requirements.
How to Convert:
Contact BOBCARD customer care at 1800 5000 / 1800 5700
Through Bank of Baroda net banking
Via Bank of Baroda mobile banking app
Interest Charges: EMI conversion attracts processing fees and interest charges as per Bank of Baroda's prevailing rates.
Extend credit card benefits to your family members with up to 3 lifetime free add-on cards.
Eligibility: Add-on cards can be issued for spouse, parents, children above 18 years, or siblings.
Benefits:
Lifetime free—no joining or annual fees
Share the primary cardholder's credit limit
Separate card for each family member
Help family members build credit history
All transactions appear on the primary cardholder's statement
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 (Free) | No joining fee charged—lifetime free card. |
| Annual Fee | ₹0 (Free) | No annual fee for the lifetime of the card—no spending thresholds required. |
| Add-On Card Fee | ₹0 (Free) | Up to 3 add-on cards available free for lifetime. |
| Interest Rate (APR) | 3.25% per month (39% annually) | Applicable on outstanding balances and revolving credit. |
| Foreign Currency Markup | 3.5% | Applicable on all international transactions. |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Charged on cash withdrawals. Minimum ₹500. |
| Cash Advance Limit | 20-40% of credit limit | Maximum cash withdrawal limit varies; typically around 20-40% of assigned credit limit. |
| Late Payment Charges | ₹0 to ₹1,300 | Varies based on total amount due. |
| Over-limit Charges | ₹600 | Charged when spending exceeds assigned credit limit. |
| Payment Return Charges | ₹500 | Charged when payment cheque/ECS/NACH is returned/dishonoured. |
| Card Replacement Fee | ₹100-₹200 | Charged for lost, stolen, or damaged card replacement. |
| Rent Payment Processing Fee | 1% of transaction amount + GST | Effective from January 2025 for rent payments through credit card. |
| Utility Transaction Fee | 1% of transaction amount + GST | Effective from January 2025 on utility transactions above ₹50,000. |
| Wallet Loading Fee | 1% of transaction amount + GST | Effective from January 2025 for wallet loads and recharges. |
| Fuel Transaction Fee | 1% of transaction amount + GST | Effective from January 2025 on fuel transactions above ₹10,000. |
| Duplicate Statement Fee | ₹100 per statement | Charged for requesting duplicate physical credit card statements. |
| GST | 18% | Applicable on all fees, interest, and charges mentioned above. |
| Criteria | Details |
|---|---|
Age | Primary cardholder: 18 to 65 years |
Add-On Cardholder Age | Minimum 18 years (for children, siblings) |
Fixed Deposit | Minimum FD of ₹15,000 with Bank of Baroda required as security |
Citizenship | Indian Residents |
Credit Score | No minimum credit score required; ideal for building or rebuilding credit history |
Income Proof | Not required—guaranteed issuance against fixed deposit |
Employment | No employment or income verification required; suitable for students, homemakers, unemployed, or self-employed |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card, Photo Credit Card, Defence ID Card, or any Central/State government-issued photo ID proof |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Ration Card, Voter ID Card, Driving Licence, Bank Account Statement, Telephone Bill, Electricity Bill, Water Bill, or other government-approved address proof |
| PAN Card | Mandatory for credit card issuance in India |
| Fixed Deposit Receipt | Valid FD copy or receipt showing minimum ₹15,000 fixed deposit with Bank of Baroda |
| Passport-Size Photograph | Recent colour photograph with clear/white background without dark/tinted glasses |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification, your Bank of Baroda (BOBCARD) PRIME Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Use Regularly to Build Credit | Make small purchases monthly (₹500-₹2,000) and pay the full balance before the due date. This demonstrates responsible credit behaviour and gradually improves your CIBIL score over 6-12 months. |
Always Pay Full Balance | Set up auto-pay for the full statement balance to avoid the 39% annual interest rate and maintain excellent credit history. Never carry revolving balances to maximise credit-building benefits. |
Meet Welcome Bonus Threshold | Ensure you spend ₹5,000 within the first 60 days of card issuance to earn the 500 Reward Points (₹100 value) welcome bonus. |
Track Reward Exclusions | Remember that fuel, rent, insurance, telecom, supermarkets, fast food, wallet loads, and several other categories don't earn Reward Points. Focus spending on retail, dining, and online shopping for rewards. |
Optimise Fuel Savings | Fill petrol/diesel in transactions between ₹400-₹5,000 to receive 1% surcharge waiver (maximum ₹250 monthly). Plan fuel purchases to stay within this range for maximum savings. |
Use for Emergencies Only | As this is a credit-building tool with modest limits (₹12,000-₹13,500 typically), reserve it for planned purchases and emergencies rather than luxury spending beyond your repayment capacity. |
Avoid Cash Advances | Never withdraw cash using this card. Cash advances incur 2.5% fees (minimum ₹500) plus immediate 39% annual interest without any interest-free period, quickly depleting your limited credit limit. |
Monitor Credit Utilisation | Keep your credit utilisation below 30% of your limit. For a ₹12,000 limit, try not to exceed ₹3,600-₹4,000 in monthly spending. Lower utilisation improves your credit score faster. |
Protect Your FD | Your fixed deposit is your safety net. Missing payments can lead to FD liquidation, losing both your security and earned interest. Set multiple payment reminders to protect your FD. |
Leverage Add-On Cards Wisely | Issue add-on cards to family members (spouse, parents, children 18+) to help them build credit too, but monitor their spending carefully as it affects your credit limit and payment responsibility. |
Redeem Points Periodically | Accumulate at least 500-1,000 Reward Points before redemption to make the effort worthwhile. Redeem for cashback against your statement balance at ₹0.20 per point for straightforward value. |
Avoid EMI Unless Necessary | EMI conversion attracts processing fees and interest charges. Only convert purchases to EMI if absolutely necessary for cash flow management, and factor in all costs before converting. |
Transition to Unsecured Cards | After 12-18 months of responsible usage with improved CIBIL score (750+), apply for unsecured rewards cards offering better benefits. The PRIME is a stepping stone, not a permanent solution. |
Report Lost Cards Immediately | If your card is lost or stolen, call customer care at 1800 5000 immediately to report it and avoid liability for fraudulent transactions. Re-issuance costs ₹100-₹200. |
Review Statements Monthly | Check your monthly statement thoroughly for any unauthorised transactions, errors, or unexpected charges. Report discrepancies to customer care within 30 days. |
The Bank of Baroda (BOBCARD) PRIME Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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