BOBCARD PRIME is a lifetime free, FD-backed (secured) credit card issued against a lien on a Bank of Baroda fixed deposit minimum FD ₹15,000, with guaranteed issuance against an FD of ₹30,000 or more without any income proof except for CIBIL-delinquent customers
Earn 2 Reward Points per ₹100 on all other categories and 1 Reward Point per ₹100
Also includes 500 welcome Reward Points on spends of ₹5,000 in 60 days
up to 3 lifetime free add-on cards
zero liability on a lost card and contactless payments
Fees
Joining FeeEarn 500 Reward Points on spends of ₹5,000 within 60 days of card issuance
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-65 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward RedemptionNo fee is charged when redeeming reward points on this card
Not Applicable
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal. A separate cheque payment processing fee of ₹100 applies for every cheque payment
2%
Cash PaymentA fee of ₹250 is levied for every cash payment made towards the credit card outstanding
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1,000
₹400
₹1,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1100
Above ₹50,000
₹1300
An additional ₹100 applies if the Minimum Amount Due is not paid for two consecutive billing cycles
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
