Bank of Baroda (BoB) Prime Credit Card

Joining Fee: Nil
Renewal Fee: Nil
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: NA

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Bank of Baroda Prime credit card is a popular secured credit card (i.e. card against fixed deposit) offered by BoB Financial, the financial services-related company owned by Bank of Baroda. The Prime credit card is issued against an FD of Rs 15,000 or more and no income proof is required. This card is a lifetime free credit card, i.e, you don’t need to pay any annual changes to avail of its benefits. You get 4 Rewards on every Rs 100 spent (equivalent to 1% cashback) on all categories. These points can easily be redeemed against a lot of exclusive options including shopping, gift vouchers, etc. There are many more advantages associated with the Bank Of Baroda Prime credit card such as accidental insurance cover, fuel surcharge waiver, zero liability cover, etc. It is a great option for those who don’t have a credit history as they can build their credit by using this no-annual-fee credit card. Read below to know more about the BoB Prime credit card:

New Features

Spend Based Waiver

Interest Rates

3.25% per month (39% annually)

Add-on Card Fee

Nil

Rewards Redemption Fee

Nil

Fuel Surcharge

1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000 at all petrol stations.

Foreign Currency Markup

3.5% on the total foreign conversion amount

Cash Advance Charges

2.5% of the withdrawn amount subject to a minimum charge of Rs. 300.

Movie & Dining

Travel

International Lounge Access

Rewards Rate

4 RPs on every Rs 100 spent.

Golf

Insurance Benefits

Cardholders get insurance coverage against personal accident.

Reward Redemption

1 Reward Point = Re. 0.25

Domestic Lounge Access

Zero Liability Protection

The cardholders are not responsible for any unauthorized purchases reporting the loss of the card to the bank.

Pros

No data available

Cons

No data available

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