BOBCARD Prime Credit Card
BOBCARD (Bank of Baroda)
BOBCARD Prime Credit Card
BOBCARD (Bank of Baroda)
Annual Fee
FREE
Effective Rate
0.25%
Network
VISA
Point Value
₹0.25/pt
About BOBCARD Prime Credit Card
BOB Prime with 5 RP per ₹100; milestone bonuses and movie discounts.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleZero forex markup on international transactions
- check_circleLifetime free — no annual fee ever
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 15% | 1500 pts≈ ₹375 |
| All other spends | 5% | 500 pts≈ ₹125 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the BOBCARD (Bank of Baroda) rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter
~₹4,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹3,000/yr value
Dining Privileges
Discounts at partner restaurants
~₹2,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹50,000 (ANNUAL)
Annual Fee Waiver – ₹50K Spend: Annual fee of ₹499 waived on achieving annual net spends of ₹50,000 in the preceding card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the BOBCARD (Bank of Baroda) website.
| Annual Fee | Lifetime Free |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about BOBCARD Prime Credit Card.
Ready to apply for BOBCARD Prime Credit Card?
Apply directly on the BOBCARD (Bank of Baroda) website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.