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Credit Cards · India

BOBCARD Prime Credit Card

Updated 3 Jul 2026Source-linked

The BOBCARD Prime Credit Card is a entry credit card from Bank of Baroda, with a joining fee of ₹0 + GST.

Welcome benefit: 500 reward points.

Bank of Baroda logo
BOBCARD Prime Credit Card
Visa logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • Base rate 0.36%
Welcome Benefits
  • 500 reward points
Data verified 3 Jul 2026 — see our methodology
Bank of Baroda logoBoBVisa logoclassicentryLifetime free
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Rewards and Benefits

Rewards Rate
Base 0.36% on other spends.
Reward Redemption
BOBCARD Rewards: Redeem at ₹0.2 per unit.
Welcome Benefits
500 reward points
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹54/mo
  • Groceries₹8,000 · 0.4% = ₹29/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹29/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹36/mo
  • Utilities & bills₹5,000 · 0.4% = ₹18/mo
Est.net rewards for this spend, realistic
₹1,987/yr

₹1,987 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by Bank of Baroda.
  • Lifetime free — no joining or annual fee.
  • Available on the Visa network.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹100 welcome benefit

  • 500 reward points
    Spend ₹5,000 within 60 days of issuance
    Window: 60 days from issuance.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.

Other benefits

  • Add-on cards. Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–85
Credit score
—
Income (salaried)
—
Income (self-employed)
—

Secured against a fixed deposit of ₹30,000+; no income proof or credit score requirement.

Tagsentrysecuredpointslifetime free