All cards / Bank of Baroda
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.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.4%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.4% base rate
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
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 30%–42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- Guaranteed approval against a fixed deposit of ₹30,000 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 ₹30,000+ 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