Prime Bobcard

Prime Bobcard is a everyday credit card from Bank of Baroda. Users will earn 1 reward point for every 100 spent on selected categories, an effective cashback rate of 0.25%.

Joining fee: Nil
Annual fee: Nil
Forex markup: 3.50% of the transaction amount
Interest: 3.25% p.m. (39% Annualized Percentage Rates)

More BoB cards

Welcome benefits

Users will get 500 reward points on spending ₹5000 or more in the first 60 days of card issuance

Rewards & cashback

Users will earn 1 reward point for every 100 spent on selected categories, an effective cashback rate of 0.25%
2 reward points for every 100 spent on all other categories.The effective cashback rate = 0.50%

More benefits & features

Card issued on FD
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 ₹15,000
Zero annual fee: There is no annual fee for the PRIME credit card
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 ₹1 lakh
Add-on cards: You can get up to 3 free add-on cards for your family members.; Issued on FD: Guaranteed issuance against FD of 15,000 or more without any income proof.; Other benefits: Lifetime free credit card

Fees & charges

Joining fee: Nil
Annual fee: Nil
Foreign currency markup: 3.50% of the transaction amount
Interest rate: 3.25% p.m. (39% Annualized Percentage Rates)
Late payment: Outstanding 10000- ₹750/-
Cash advance: 2.5% or ₹300/-
Fuel surcharge: 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per…
Billing cycle: 30 days
Other fees: 2.5% or ₹300/- (Whichever is higher)

Pros and cons

What works well

Users will get 500 reward points on spending ₹5000 or more in the first 60 days of card issuance
Issued on FD: Guaranteed issuance against FD of 15,000 or more without any income proof
Users will earn 1 reward point for every 100 spent on selected categories, an effective cashback rate of 0.25% and 2 reward points for every 100 spent on all other categories.Effective cashback rate = 0.50%
Lifetime free credit card

Worth knowing

No reward points are earned on fuel transactions
No welcome benefit is provided
No add-on features are available

Who can apply

Indian Resident
Age group: 18-70 years

How to apply

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

Details come from information published by Bank of Baroda and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.