Bank of Baroda Prime Credit Card
Updated on September 9, 2026
🎖️Reward Rate
Reward Rate: 2 Reward Points per ₹100 spent on all other categories
Rewards
Reward Type
Reward Points
Reward Rate
Reward Rate: 2 Reward Points per ₹100 spent on all other categories
Welcome Benefit
Welcome / Onboarding Benefit: Earn 500 Reward Points on spend of ₹5,000 within 60 days of card issuance
Redemption
- • Reward Point Value (Redemption Rate): 1 Reward Point = ₹0.20 (Redeem for cashback)
- • Redemption Options: Cashback via reward points (1 pt = ₹0.20)
Benefits
- Fuel Surcharge Waiver: 1% on transactions of ₹400 to ₹5,000, up to ₹250 per statement cycle (no reward points on fuel)
- Smart EMI: Convert purchases over ₹2,500 into EMIs of 6 to 48 months
Things to Know Before you apply
Bank of Baroda Prime Credit Card Eligibility Criteria
- Age: 18–85 years
- No income proof needed. The card is issued against a fixed deposit of at least ₹30,000.
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
PaisaSimple Review
Overall Rating
3.0/5What do we like about this card?
Rated 3.0 out of 5. The Bank of Baroda Prime Credit Card scores well for no joining or annual fee and easy approval against a fixed deposit with no income proof. It loses marks because it earns 2 points per ₹100 worth only ₹0.20 each and has no lounge access.
Frequently Asked Questions
What is the joining and annual fee of the Bank of Baroda Prime Credit Card?
The card is lifetime free, with no joining fee and no annual fee.
What rewards does the Bank of Baroda Prime Credit Card give?
Reward Rate: 2 Reward Points per ₹100 spent on all other categories.
How do I redeem the rewards on the Bank of Baroda Prime Credit Card?
Reward Point Value (Redemption Rate): 1 Reward Point = ₹0.20 (Redeem for cashback). Redemption Options: Cashback via reward points (1 pt = ₹0.20).
Does the Bank of Baroda Prime Credit Card give airport lounge access?
Airport lounge access is not part of this card's listed benefits.
Who can apply for the Bank of Baroda Prime Credit Card?
Applicants should be 18 to 85 years old. No income proof needed. The card is issued against a fixed deposit of at least ₹30,000.
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- • Welcome / Onboarding Benefit: Earn 500 Reward Points on spend of ₹5,000 within 60 days of card issuance
- • Reward Rate: 2 Reward Points per ₹100 spent on all other categories
- • Online, Offline and International Spends: 4 reward points per ₹200
- • Insurance, Utilities, FASTag and Railways: 1 reward point per ₹200
- • Exclusions: No points on fuel, EMI transactions or cash withdrawals
- • Limit: Points are earned only on spends up to your credit limit in each billing cycle
- • Spends and UPI: 2% cashback in any billing cycle where you spend ₹15,000 or more
- • Caps: Up to ₹500 per cycle, ₹200 of it on UPI, and ₹100 per transaction
- • No Fees: Lifetime free
- • Zero Forex: No markup on international spends
- • Easy Approval: No income proof or credit history needed
- • FD Interest: Your deposit keeps earning interest
- • Cash Withdrawals: No interest for up to 45 days
- • Easy Approval: No income proof or credit score needed
- • Cashback: 2% on spends and UPI
- • FD Interest: Your deposit keeps earning
- • Low Forex: 2% markup
- • Deposit Needed: Requires a fixed deposit of at least ₹20,000
- • Credit Limit: Capped at your FD value
- • Redemption Fee: ₹99 plus GST each time you redeem points
- • No Lounge Access: Airport lounges are not included
- • Spend Condition: Cashback only when you spend ₹15,000 in a cycle
- • Cashback Cap: ₹500 per cycle
- • Deposit Needed: Minimum ₹10,000 FD
- • Joining Fee: ₹500