BOBCARD Prime Credit Card (FD Backed)
Updated on August 19, 2026
🎖️Reward Rate
Accelerated reward points on eligible merchant transactions
Overview
Build or repair your credit score with 100% guaranteed approval on Bank of Baroda FD (min ₹15,000). Zero income proof required.
Rewards
Reward Type
Cashback
Reward Rate
Accelerated reward points on eligible merchant transactions
Welcome Benefit
Zero joining fee and zero annual fee for lifetime
Milestone Benefit
Annual renewal fee waiver on spending Lifetime Free
Redemption
Redeem for flight/hotel bookings, brand vouchers, and statement cash credit
Benefits
- Credit limit up to 85% of Fixed Deposit value
- FD continues to earn full compounding interest rate
Things to Know Before you apply
BOBCARD Prime Credit Card (FD Backed) Eligibility Criteria
- Age: 21–65 years
- No income proof required (Bank FD of min ₹15,000)
- 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% (Min ₹500) |
Fee waiver: Lifetime Free
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The BOBCARD Prime Credit Card (FD Backed) issued by Bank of Baroda (BOBCARD) is a top choice in India for targeted category spend. It features 3.50% + GST forex markup and generous reward multipliers.
Pros
- • Credit limit up to 85% of Fixed Deposit value
- • FD continues to earn full compounding interest rate
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified