Bank of Baroda Prime Credit Review in 2022

The Bank of Baroda issues the bank of Baroda Prime Credit. Bank of Baroda (BOB) is an Indian mult

inational, 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. BoB Prime Card is the best option among credit cards against fixed deposits. Check the benefits of a Prime Credit card.

Table of Contents

  1. Annual and Joining Fees
  2. Benefits and features
  3. Insurance benefits
  4. Eligibility Criteria
  5. Why you should apply for?
  6. Bottom-line
Bank of Baroda Prime Credit
Bob Credit Card( Image Credit: Bob)

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 Lifetime 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. The insurance facility is available to primary cardholders only. The insurance covers only the extent of the Accidental Death of the primary cardholder. Natural death is not covered in the claim.

In the event of a claim settlement by the insurer, you shall first adjust the claim amount against the outstanding credit card dues. Check other T & C 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, you can apply for this credit card without income proof. If you apply for another credit card with stringent conditions like good credit history or income proof, the application can be rejected. Are you going to apply for a credit card the first time? First, read these 5 Tips on 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. The only other secured credit card which has the same deposit amount is the 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 Review in 2022
Bank of Baroda Prime Credit

Bank of Baroda prime credit card is secured credit. You can apply for 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 a credit card, but it is not good for high earners or high spenders. You can also check Citibank Paytm credit card, which also offers the same rewards rate.

Editor's Rating:

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


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

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

  2. Bank of Baroda Credit Card has an add-on card facility?

    Yes. You can apply 3 Add credit for your spouse, parents, and friend. It’s all free without any charges.

  3. 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.

  4. 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

  5. How to check the application status of the Prime Credit card?

    You can check the application status by sending mail to

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