Bank of Baroda
BOBCARD PRIME Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹700 Rewards
Top Benefits
Start With an FD of Just ₹15,000
a low entry barrier, with your credit limit set against the FD amount, The FD stays invested and continues to earn interest while it secures your card, so your savings keep working for you
Keep Earning Rewards on UPI Payments
up to 500 Reward Points per statement cycle
Best For
Shopping
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- BOBCARD PRIME is a lifetime free, FD-backed (secured) credit card issued against a lien on a Bank of Baroda fixed deposit minimum FD ₹15,000, with guaranteed issuance against an FD of ₹30,000 or more without any income proof except for CIBIL-delinquent customers
- Earn 2 Reward Points per ₹100 on all other categories and 1 Reward Point per ₹100
- Also includes 500 welcome Reward Points on spends of ₹5,000 in 60 days
- up to 3 lifetime free add-on cards
- zero liability on a lost card and contactless payments
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.20
Redemption Options
- Reward Points are redeemed as cashback and adjusted against the card account
To check redemption catalogue
N/A
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Bank of Baroda Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Bank of Baroda Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
EMI Transactions
Wallet Load
Rent
Government Spends
Cash Advances
ATM Withdrawals
Jewellery
For Spends Waiver
Fuel
EMI Transactions
Wallet Load
Rent
Government Spends
Cash Advances
ATM Withdrawals
Jewellery
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal. A separate cheque payment processing fee of ₹100 applies for every cheque payment | 2% |
Cash Payment Fees A fee of ₹250 is levied for every cash payment made towards the credit card outstanding | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹700 Rewards
Top Benefits
Start With an FD of Just ₹15,000
a low entry barrier, with your credit limit set against the FD amount, The FD stays invested and continues to earn interest while it secures your card, so your savings keep working for you
Keep Earning Rewards on UPI Payments
up to 500 Reward Points per statement cycle
The smartest way to find your great credit card
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We value your time and privacy. Your details stay secure and are used only to help you.