The Bank of Baroda Prime Credit Card is a secured card, backed by a fixed deposit of Rs. 15,000 or more. This card comes with no joining or annual fees and lets you earn reward points on your purchases. Additionally, it offers benefits like a fuel surcharge waiver, insurance coverage, and a welcome gift. Read on to learn more about the features and advantages of the BoB Prime Credit Card.

Bank of Baroda offers the Prime Credit Card, packed with useful features and benefits. A major advantage for existing Bank of Baroda customers is the guaranteed card issuance backed by a fixed deposit of Rs. 15,000 or more, without the need to provide any income proof.

Bank of Baroda PRIME Credit Card Rewards Program

Rewards Program

Earning Rate: Earn 2 Reward Points for every ₹100 spent.
Exclusions: Reward points are not earned on spends related to fuel, agriculture, contractors, transportation, rent, insurance, telecom, supermarkets, convenience stores, fast food restaurants, wallets, hospitals, education, government, and charity.
Redemption Value: 1 Reward Point = ₹0.20, redeemable against cashback or other rewards.

Other Features and Benefits

Welcome Benefit: Get 500 reward points on spending a minimum of ₹5,000 within 60 days of card issuance.
Guaranteed Issuance: Card issued against a fixed deposit of ₹15,000 or more without requiring income proof.
Reward Points: Earn 4 Reward Points per ₹100 spent (equivalent to Re. 1 on redemption).
Joining & Annual Fee: No joining or annual fee for the first year.
Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000, up to a maximum of ₹250 per month.
Reward Redemption: Multiple options to redeem your reward points, including cashback.
EMI Option: Convert purchases of ₹2,500 and above into EMIs with a repayment tenure of 6–12 months.
Insurance Coverage: Personal accident cover up to ₹15 lakh for air accidents and ₹5 lakh for non-air accidents.

Fees and Charges

Fee Type	Amount Details
Joining/Annual Fee	Nil
Finance Charges	3.75% per month i.e. 45% per annum
Late Payment Fees	On outstanding balance of – Less than Rs. 100: Nil Rs. 100 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 400 Rs. 1,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 950 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300

Things to Know Before you apply

Get this card if:

You are a beginner with little or no credit history.
You have a low credit score and may not qualify for standard unsecured credit cards.
You want a lifetime-free credit card with no joining or annual fees.
You are looking for a card that offers basic rewards benefits on your spending.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For Bank of Baroda PRIME Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement