BOB Prime Credit Card
BOB Bank of Baroda

Bank of Baroda Prime Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: Nil

Renewal Fee: Nil

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The Bank of Baroda Prime Credit Card is a secured credit card. The Bank of Baroda has made it very convenient to take this credit card with a hassle-free process. Even new cardholders can easily get this credit card without any proof of income. You can easily get this card against a fixed deposit of ₹15,000 or more. This credit card offers various benefits, including reward points, fuel surcharge waivers, and more to the cardholders.

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All You Need To Know

Card Type

Rewards & Travel

Guaranteed Issuance
  • Even new cardholders can obtain the card by opening a fixed deposit of ₹15,000 or more with the Bank of Baroda. The cardholders need no income documentation.
Lifetime Free Card
  • This is a very cost-effective credit card without any joining or annual fees.
Rewards Points
  • Accelerated Rewards: On every spending of ₹100 across all categories the cardholder earns 2 reward points.
  • Redemption: You can redeem reward points for cashback points, where 1 reward point is equal to ₹0.20.
Fuel Surcharge Waiver
  • The card offers a 1% fuel surcharge waiver for fuel transactions ranging from ₹400 to ₹5,000. But this fuel surcharge waiver is capped at ₹250 per statement cycle.
EMI Conversion
  • Cardholders can easily convert their purchases of ₹2,500 or more into EMIs ranging from 6 to 48 months which provides them a flexible repayment option.
Add-On Cards
  • Users can also get up to 3 lifetime free add-on cards for immediate family members aged 18 and above.
Insurance Coverage
  • The card comes with a complimentary personal accidental death cover, offering financial protection to your family.
Zero Liability on Lost Card
  • Report a lost card immediately to for zero liability on any fraudulent transactions.

Fees and charges that apply to Bank of Baroda Prime Credit Card:

Fee / Charge Amount/Rate
Annual Fee Nil
Joining Fee Nil
Interest Rate 3.25% per month (39% per annum)
Foreign Currency Markup 3.5% on the transaction amount
Cash Advance Fee 2.5% of the amount withdrawn (minimum ₹500)
Late Payment Charges Ranges from ₹100 to ₹1,300, depending on the outstanding amount
Over Limit Penalty As per bank's policy
Card Replacement Fee As per bank's policy
Add-on Card Fee Nil
Minimum Repayment Amount 5% of the outstanding balance

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

Bank of Baroda Prime Credit Card Eligibility:

Eligibility Criteria of Bank of Baroda Premier Credit Card

  • Age: Applicants should be between 18 and 85 years old.
  • Fixed Deposit: A minimum fixed deposit of ₹15,000 with Bank of Baroda is required.

Documents Required For Bank of Baroda Premier credit card

  • Identity Proof: PAN Card.
  • Address Proof: Aadhaar Card, Passport, Voter ID, or Driving License.
  • Fixed Deposit Proof: Valid FD receipt or confirmation.

Note: Bank of Baroda may request additional documents as per their internal policies.

Apply for Bank of Baroda Prime Credit Card

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FAQs

You can apply for this credit card by visiting the nearest Bank of Baroda branch. You would require documents and opening a fixed deposit of ₹15,000 or more.

No, the Bank of Baroda Prime Credit Card is free for a lifetime, so it charges no joining or annual fees.

The Bank of Baroda Prime Credit Card charges an interest rate is 3.25% per month (39% per annum).

With this card, you can avail up to 3 lifetime free add-on cards for immediate family members who are above the age of 18 or more.

This credit card charges a foreign currency markup fee of 3.5% on all international transactions.

Yes, there is a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, up to ₹250 per statement cycle.

For making transactions with the Bank of Baroda Prime Credit Card cardholders earn 2 reward points for every ₹100 spending across all categories.

You can access the following links to find detailed information and procedures related to managing your BOB Bank Credit Card

Check if you are eligible for Bank of Baroda Prime Credit Card on
mybankingtips.com

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