PRIME
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
PRIME
Bank Name :
Bank of Baroda
प्रकार
Regular Credit Card
ब्याज दर
Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).
पात्रता
Indian Resident
Age group: 18-70 years.
पेशेवरों
Welcome Benefit: Users will get 500 reward points on spending Rs 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.
Reward System: 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%
Other benefits: Lifetime free credit card.
दोष
No reward points are earned on fuel transactions.
No welcome benefit is provided.
No add-on features are available.
पक्ष विपक्ष
Welcome Benefits
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance.
पुरस्कार प्रणाली
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%
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Card issued on FD.
Eligibility Criteria
Indian Resident
Age group: 18-70 years.
फ़ायदे
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.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Call at 1800 225 100
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get 500 reward points on spending Rs 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.
Reward System: 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%
Other benefits: Lifetime free credit card.
No reward points are earned on fuel transactions.
No welcome benefit is provided.
No add-on features are available.
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.
PRIME
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
उत्पाद समीक्षा
फीस एवं प्रभार
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.
ईंधन अधिशुक्ल
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