PRIME
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance.
Milestone Benefits
Cashback Rate
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%.
Movie Benefits
Dining Benefits
Other Benefits
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. 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.; Issued on FD: Guaranteed issuance against FD of 15,000 or more without any income proof.; Other benefits: Lifetime free credit card.
Lounge Access
Fees & Charges
Joining Fee
Nil
Annual Fee
Cash Advance Fee
2.5% or ?300/-
Interest rate
Interest Rate: 3.25% p.m. (39% Annualized
Percentage Rates).
Late Payment Fee
Late Payment Fees: Outstanding < 200- Nil 200 – 500- Rs.100/- 501 – 1000- Rs. 400/- 1001 – 10000- Rs. 500/- > 10000- Rs. 750/-
Foreign Currency Transactions Fee
Foreign Currency Transaction fee: 3.50% of the transaction amount.
Other Fees
Cash Advance Charges: 2.5% or ₹300/- (Whichever is higher)
दोष
No reward points are earned on fuel transactions.
No welcome benefit is provided.
No add-on features are available.
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.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Indian Resident
Age group: 18-70 years.
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:-
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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.
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
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
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ईंधन अधिशुक्ल
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Billing Cycle
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