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Bank of Baroda
BOBCARD Prime Credit Card
Mastercard
BOBCARD Prime Credit Card
A secured, FD-backed lifetime-free card from BOBCARD aimed at first-time credit users and credit-builders — approval is guaranteed against the linked FD, with no income proof required.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Mastercard
Card tier
Entry
Benefits by category
- 🛡️ Insurance
Complimentary personal accidental death cover
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹250 per billing cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 18–70
Benefits
- Guaranteed approval against a fixed deposit of ₹15,000 or more — no income proof needed
- Complimentary personal accidental death cover
- 1% fuel surcharge waiver, capped at ₹250 per billing cycle
- Up to 3 lifetime-free add-on cards for family members
Pros
- + Guaranteed approval against a ₹15,000+ FD, no income proof
- + Lifetime free — zero joining/annual fee
- + Good starter card for building a credit history
Cons
- − Credit limit is capped by the linked FD amount
- − Flat, modest reward rate with no bonus categories
- − Funds get locked in the FD for the card's tenure