Bank Of Baroda Prime Credit Card Review

Bank Of Baroda Prime Credit Card is a MasterCard credit card from the Bank of Baroda. This card is full of features and benefits. Also, this card comes with zero joining and annual fees. You can get this card against your fixed deposit account. The awesome benefits of this card are – Easy cash-back, Discount on fuel surcharges, Reward program and easy redemption, EMI facility, Add-on card, Insurance coverage, Lost card liability, Interest-free period, and 24X7 customer service experience.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: This card can be issued against a fixed deposit account. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: This card can be issued against a fixed deposit account.
  • Minimum fixed deposit amount: ₹15,000. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: None. 


  • Cash-Back benefit:

With this card, you will get a 1% Cash-Back against all transactions made with this card. 

  • Reward benefit:

With this card, you can earn 4 reward points for each ₹100 transaction made with this card. 4 reward points = ₹1. There are multiple options to redeem your reward points. You can use your earned reward points for ticket booking, bill payments or you can redeem them into cash.

  • Fuel surcharge waiver:

With this card, you can get a 1% waiver on fuel surcharges. This feature applies to all fuel stations in India. The transaction amount should be between ₹400 to ₹5,000. You can save up to ₹250 monthly.

  • Insurance coverage:

Your BOB Prime Credit Card comes with built-in insurance coverage against any accidental deaths.

  • Lost card liability:

This card offers zero liability against lost or stolen cards, to get the maximum benefits of the offer you have to report within 24 hours of the loss.  

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  •  EMI option:

This card offers you to convert your high-value purchases into EMI. This feature is very helpful for frequent shoppers. 

  •  Easy Issuance:

This card can be issued against a fixed deposit account so you can get this card without a steady income. 

  • Interest-free period:

This card offers up to 50 days of an interest-free period. 

  • EMV Chip Card:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.


  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500. 
  • Finance Charge: 3.49% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800-103-1006


Mail: [email protected] 

100xGain Ratings:


Final Opinion:

This card is specially designed for beginners who don’t have a credit score and for those who don’t have a steady income. This card comes free of cost and you can get benefits like reward benefit, fuel surcharge waiver, lost card liability, insurance coverage, EMI option, and lots more. So if you are applying for a credit card for the first time you can go for this card. 

But this card does not feature benefits on lounge access, or movie tickets. So if you want to earn those benefits then you can go for Kotak Mahindra Wealth Management Infinite Credit Card

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