Bank of Baroda Prime Credit Review

By | September 9, 2020

Bank of Baroda Prime Credit is issued by Bank of Baroda. Bank of Baroda (BOB) is an Indian multinational, public sector banking and financial services company. It is the third-largest public sector bank in India.

Bank of Baroda Prime Credit is a secured credit card issued against Fixed Deposit. BoBPrime Card is the best option among credit cards against fixed deposits. Check the benefits of Prime Credit card.

Bank of Baroda Prime Credit Annual and Joining Fees

  • Joining Fees: NIL
  • Annual Fees: NIL
  • Free Add-on card-(3-lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

Bank of Baroda prime credit card is a Life time Free credit card. Guaranteed issuance against FD of INR15,000 or more without any income proof.

Bank of Baroda Prime credit card benefits and Features

  • 1% Cashback on all Spends
  • Zero first year and annual fees its life Time Free Credit card
  • Earn 4 reward points (equal to INR 1 on redemption) for every  INR 100 spent
  • Zero Fuel Surcharge- 1% fuel surcharge waived for all fuel transactions between  INR 400 –  INR 5,000 (Max. waiver of Rs. 250 per month).
  • Easy EMI Option- Convert purchase of >  INR 2,500/- on your card into easy EMIs of 6/12 months

Bank of Baroda Prime credit card Insurance Benefits

Bank of Baroda Credit has inbuilt Insurance benefits like any other credit card.BOB takes various insurance covers for the benefits of the cardholder. Insurance facility is available to primary cardholders only. The insurance covers only to the extent of Accidental Death of the primary cardholder. Natural death is not covered in the claim.

In the event of a settlement of claim by the insurer, the claim amount shall be first adjusted against the outstanding credit card dues. Check other T & C of Insurance benefits.

Other Benefits

  • Zero liability on the lost card if the report of loss of credit card is immediately reported or happening of any fraudulent transactions.
  • 50 days of interest-free credit period like any other credit card
  • Pay only 5% Minimum Amount Due and finance your spends as per your convenience

Bank of Baroda Prime Credit card Eligibility Criteria

  • No such requirement, you will get Guaranteed issuance against FD of 15,000 or more without any income proof.
  • You need to be 18 years and above
  • Identity Proof-Like PAN card, copy of Passport, Addhar Card, Driving Licence, Election Voter ID card, etc.
  • Address Proof-like Copy copy of Passport, Addhar Card, Driving Licence, Election Voter ID card, etc.

Why you Should apply for BoB Prime Credit card

Bank of Baroda Prime Credit card is a secured credit card if you have no credit history or 0 CIBIL Score, then you can apply for this credit card without any income proof. If you apply for another credit card that has a stringent condition like good credit history or income proof then the application can be rejected. Are you going to apply for a credit card first time, firs read these 5 Tips to How to get a first credit card

BoB Prime Credit card is one of the best options among secured credit because it required the lowest deposit, of Rs. 15,000. Only other secured credit card which has the same deposit amount is 811 DreamDifferent Credit Card

Bank of baroda prime credit card offers

  • 15% off  at Apollo Pharmacy
  • 10% off at Medanta – The Medicity
  •  10% off at Medica Superspeciality Hospital
  • 10% off at Apollo Gleneagles Hospitals
  • Bank of Baroda nowadays aggressively running multiple offers so expecting more offers in the coming days.


Bank of baroda prime credit card is secured credit you can apply this credit card without any income proof or no credit history It’s a good credit card for student house-wife,low salary earner who still wants credit card but it not good for high earner, or high spenders. You can also check Citibank Paytm credit card which also offer same rewards rate.

Do you have Bank of Baroda Prime Credit card, or planning to apply one? Share your thought in the comments below.


What are the eligibility criteria to apply for Bank of Baroda Prime credit card?

Minimum Fixed Deposit of at least 15,000/- NO minimum Age limit is required.

Bank of Baroda Credit Card have add-on card facility?

Yes. You can apply 3 Add on credit for your spouse, Parents and friend. its all free without any charges.

Bank of Baroda customer care for credit card

You can mail to nay credit card query. For urgent card blocking, please call on 1800 103 1006/1800 225 100 (24*7) Toll-Free from MTNL/BSNL Lines) or SMS at 9323803935 from your registered mobile number

How to apply bank of Baroda prime credit card ?

To apply for a credit card, SMS ‘Apply <space><your city> ‘ to 9223990624 NOW! or apply online here

How to check the application status of Prime Credit card ?

You can check the application status by sending mail to

Avatar of Dhiraj Jha
Author: Dhiraj Jha

I love to acquire, review, and earn reward points/cashback from Credit Cards for free traveling and enjoying luxury hotels. Helping people about the benefits and optimal utilization of credit cards.

Leave a Reply

Your email address will not be published. Required fields are marked *