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BOBCARD Prime Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of Baroda Visa Entry 🏦 Secured / FD Based

Annual Fee

₹0

Base Rate

2.0%

Reward Type

Points

Overview

The BOBCARD Prime Credit Card is a Entry credit card issued by Bank of Baroda on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: Lifetime Free
Eligibility: Guaranteed issuance against a Bank of Baroda Fixed Deposit of ₹30,000 or more.

Reward Rates & Cashback Rules

  • CATEGORY – Utilities: 2.0% cashback ⚠️ Applies to Telecom services (MCC 4814).
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Health & Wellness: 0.0% cashback ⚠️ Includes hospitals.
  • CATEGORY – Grocery: 0.0% cashback ⚠️ Includes supermarkets and convenience stores.
  • CATEGORY – Dining: 0.0% cashback ⚠️ Includes fast food restaurants.

Key Features & Benefits

  • Welcome Benefit 🎁: 500 bonus reward points on spending ₹5,000 within 60 days of card activation.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
  • Insurance Coverage 🛡️: Personal Accidental Death Insurance cover of ₹15 lakh for air accidents and ₹5 lakh for non-air incidents.
  • Free Add-on Cards 👨‍👩‍👧‍👦: Up to 3 lifetime free add-on cards for family members.
  • Easy EMI Conversion 🔄: Convert purchases over ₹2,500 into EMIs of 6 to 48 months.

Eligibility Criteria

Guaranteed issuance against a Bank of Baroda Fixed Deposit of ₹30,000 or more.

Features & Benefits

🎁

Welcome Benefit

500 bonus reward points on spending ₹5,000 within 60 days of card activation.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

🛡️

Insurance Coverage

Personal Accidental Death Insurance cover of ₹15 lakh for air accidents and ₹5 lakh for non-air incidents.

👨‍👩‍👧‍👦

Free Add-on Cards

Up to 3 lifetime free add-on cards for family members.

🔄

Easy EMI Conversion

Convert purchases over ₹2,500 into EMIs of 6 to 48 months.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Utilities
Reward: 2.0%
⚠️ Exceptions: Applies to Telecom services (MCC 4814).
2%
Fuel Exclusion
Rent Exclusion
Insurance Exclusion
Wallet Load Exclusion
Government Services Exclusion
Education Exclusion
Health & Wellness Exclusion
⚠️ Exceptions: Includes hospitals.
Grocery Exclusion
⚠️ Exceptions: Includes supermarkets and convenience stores.
Dining Exclusion
⚠️ Exceptions: Includes fast food restaurants.

Value Chart

Assuming basic spends for BOBCARD Prime Credit Card

Category BOBCARD Prime Credit Card Axis Bank Airtel Credit Card Flipkart Axis Bank Credit Card Axis Bank ACE Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹500 ₹500 ₹499
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 1.0% 1.0% 1.5%
★
Known Rules 		10 rules 13 rules 15 rules 12 rules

Pros & Cons

✓

Pros

  • + Utilities — 2.0% Points
  • + Welcome Benefit
  • + Fuel Surcharge Waiver
  • + Insurance Coverage
  • + Free Add-on Cards
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Insurance
  • − No reward on Wallet Load
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹0

Net Value

+₹6000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback
  • › Individuals without a salary slip who need an FD-backed card

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The BOBCARD Prime is a lifetime-free credit card. It has no joining fee and no annual fee.

This is a secured credit card. It is issued against a Bank of Baroda Fixed Deposit of ₹30,000 or more. No income proof is required.

Each reward point earned on the BOBCARD Prime card is worth ₹0.20. You earn 2 points per ₹100 spent on eligible categories, which is an effective cashback rate of 0.40%.

Yes, reward points are not earned on several categories, including fuel, rent, insurance, wallet loads, government payments, education, and supermarket purchases.

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