Bank of Baroda Prime Credit Card
Updated on September 1, 2026
🎖️Reward Rate
4 Reward Points (1% cashback value) per ₹100 spent on all retail transactions
Overview
Apply for the BOBCARD PRIME credit card and earn accelerated rewards on dining, shopping & utilities. Enjoy fuel surcharge waiver, lifestyle offers & contactless payments. Apply online now.
Rewards
Reward Type
Reward Points
Reward Rate
4 Reward Points (1% cashback value) per ₹100 spent on all retail transactions
Welcome Benefit
Guaranteed approval against Bank of Baroda Fixed Deposit of ₹15,000 or above with up to 85% credit limit without income documents.
Redemption
- • Redeem directly as statement credit (1 Point = ₹0.25)
- • Redeem on BOBCARD reward portal for vouchers and products
Benefits
- Credit Score Builder: No CIBIL score or income proof needed. Ideal for credit builders, students, and self-employed individuals to establish top credit rating.
- 1% Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across all fuel pumps in India.
Things to Know Before you apply
Bank of Baroda Prime Credit Card Eligibility Criteria
- Age: 18–75 years
- No Income Proof Required. Minimum Fixed Deposit of ₹15,000 with Bank of Baroda.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹500) |
Fee waiver: Lifetime Free (LTF) - ₹0 Joining Fee and ₹0 Annual Renewal Fee unconditionally.
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The BOB Prime Credit Card – Lifetime Free Credit Card, Benefits, Offer, Limits, Reward Points – BOBCARD issued by Bank of Baroda is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • 2 Reward Points per ₹100 spent on all other categories.
- • Fuel Surcharge Waiver 1% fuel surcharge waiver** at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle). Note: No Reward Points are earned on fuel transactions.
- • Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
Compare with Similar Cards
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- • Guaranteed approval against Bank of Baroda Fixed Deposit of ₹15,000 or above with up to 85% credit limit without income documents.
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • Complimentary welcome voucher worth ₹500 from premium retail partners upon completion of first transaction within 30 days.
- • Qualification Criteria: First card swipe within 30 days of issuance
- • Fulfillment Timeline: Dispatched via SMS within 45 days
- • 4 Reward Points (1% cashback value) per ₹100 spent on all retail transactions
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Accelerated Rewards: Earn 6 Reward Points per ₹100 spent on International purchases (4X Accelerated Earning)
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government payments
- • 2 Reward Points per ₹100 spent on all other categories.
- • Fuel Surcharge Waiver 1% fuel surcharge waiver** at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle). Note: No Reward Points are earned on fuel transactions.
- • Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions