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Product Details
Credit Card Name : 


Bank Name :

Bank of Baroda

Type :

Regular Credit Card

Interest Rate : 

Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).

Eligibility :

Indian Resident
Age group: 18-70 years.

  • Issued on FD: Guaranteed issuance against FD of 15,000 or more without any income proof. 

  • Reward System: Earn 1 reward point for every  100 spent on selected categories,  and Earn 2 reward points for every  100 spent on all other categories. 

  • Other benefits: Lifetime free credit card. 

  • No Reward Points are earned on fuel transactions.

  • No welcome benefit is provided 

  • No add-on features available. 

Pros & Cons
Welcome Benefits
Rewards System
  • Earn 1 reward points for every 100 spent on select categories.  

  • Earn 2 reward points for every 100 spent on all other 

  • MCCs 1RP = 0.25 paisa 

  • Effective Cashback Rate = 0.75%

International Forex Markup
3.50% of the transaction amount
Welcome Benefits and Reward System
Special Features

Card issued on FD.

Eligibility Criteria

Indian Resident
Age group: 18-70 years.

  • The Bank of Baroda PRIME credit card is a secured credit card that offers a variety of benefits, including: 

  • Guaranteed issuance: The card is guaranteed to be issued against a fixed deposit of Rs. 15,000. 

  • Zero annual fee: There is no annual fee for the PRIME credit card. 

  • Cashback: You earn 1 reward point for every Rs. 100 spent on all purchases. You can redeem your reward points for cashback, gift vouchers, and other rewards. 

  • Fuel surcharge waiver: You get 0 fuel surcharge.  

  • Zero liability on lost card: If your card is lost or stolen, you will not be liable for any fraudulent transactions made on the card. 

  • In-built insurance cover: The card comes with a free Personal Accidental Death Cover of up to Rs. 1 lakh. 

  • Add-on cards: You can get up to 3 free add-on cards for your family members.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Here are the steps on how to apply for the Bank of Baroda PRIME credit card online: 

  • Go to the Bank of Baroda website and click on the "Apply for Credit Card" link. 

  • Select the "PRIME" credit card from the list of cards. 

  • Enter your personal information, such as your name, address, and income. 

  • Provide your PAN card number and your Aadhaar number. 

  • Upload the required documents. 

  • Click on the "Submit" button. 

  • You will receive an SMS or email from the bank confirming your application. 

  • The bank will also send you a link to track the status of your application. 

  • If your application is approved, the bank will send you the credit card within 7-10 working days.

Contact Details

Call at 1800 225 100

Account Opening and Procedure

Overall not a great credit card in my opinion. But if you’re looking for domestic lounge access with Visa Signature privileges, it's worth holding. Otherwise, if you’re asked to take a BOB card as a cross-sell to take a loan or other products, you could rather go for the Bank of Baroda Select credit card. If you can spend more, like 5L annually online or offline, it is better to go for the newly launched Eterna Credit card.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fee: Nil 

  • Annual Joining Fee: Nil 

  • Cash Advance Charges: 2.5% or ₹300/- (Whichever is higher) 

  • Late Payment Fees: Outstanding < 200- Nil 200 – 500- Rs.100/- 501 – 1000- Rs. 400/- 1001 – 10000- Rs. 500/- > 10000- Rs. 750/- 

  • Interest Rate: 3.25% p.m. (39% Annualized Percentage Rates). 

  • Foreign Currency Transaction fee: 3.50% of the transaction amount.

Fuel Surcharge
Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (Max. Rs. 250 per statement cycle).
Billing Cycle

30 days

Fees & Charges
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