Bank Of Baroda Prime Credit Card Review

The bank of baroda prime credit card is one of the most popular credit cards among Indians looking for an entry-level card to start their credit journey. Although it is a lifetime free credit card, it packs a ton of useful features and benefits like reward points on every transaction, a handsome monthly waiver on fuel surcharges, complimentary lost card liability coverage, and last but not the least, you can get this bob credit card against fd, which is extremely useful for beginners. More about the benefits are discussed below.

Who can apply for the bank of baroda prime credit card?

  • Resident Type: Indian. 
  • Bank of Baroda prime credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: This card can be issued against a fixed deposit account. 
  • Bank of Baroda credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: This bob financial credit card can be issued against a fixed deposit account.
  • Minimum fixed deposit amount – Rs.15,000 (Your bank of baroda prime credit card credit limit would be the same as your FD amount)

As you submit your bank of baroda credit card application, you will get a unique application id. You can use that to track your bob credit card application status.

What documents are required to apply for the bob prime credit card?

  • 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 (Income Tax Return) 
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report.

What are the bank of baroda credit card annual charges?

  • BOB prime credit card joining fee: None. 
  • BOB prime credit card annual fee: None. 

What are the bank of baroda prime credit card benefits?

  • Earn cashback from every transaction:

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

  • Get rewarded for every transaction:

With this bank of baroda credit card, you can earn 4 reward points for each Rs.100 transaction made with this card. 4 bob rewards = Rs.1. There are multiple options to redeem your bob rewards.

You can use your earned reward points for ticket booking, bill payments or you can redeem them into cash. You can check the status of your rewards from your bank of baroda credit card app.

  • Enjoy freedom from fuel surcharges:

With this card, you can get a 1% waiver on fuel surcharges. This bob credit card offer applies to all fuel stations in India. The transaction amount should be between Rs.400 to Rs.5,000. You can save up to Rs.250 every bob credit card statement cycle.

  • Complimentary insurance coverage to stand for you:

Your BOB prime credit card comes with built-in insurance coverage against any accidental deaths.

  • Stay protected with the complimentary lost card liability coverage:

This bank of baroda credit 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. You can also temporarily block your missing card from your net banking account, click here to go to the bob credit card login page.

  •  Make repayments easier with the low-cost EMI option:

This bob credit card features a low-cost EMI option that allows you to convert your high-value purchases into EMI. This bob lifetime free credit card also offers a 50 days interest-free period. 

  • Security of the advanced EMV chip:

On this prime credit card bank of baroda has installed the advanced EMV Chip. It uses a very strong encryption method to store your data, making your card nearly impossible to clone.

But fraudulent transactions can happen to anyone, and if you notice something suspicious with your bob credit card account, then make sure to report it by calling the bob credit card customer care number.

  • Pay your card bills easily with the convenient bank of baroda credit card payment options:

You can make your monthly bob credit card payment online from your net banking account or from your bob credit card app. You can also use any credit card payment app like Cred, Phone pe, Paytm, Google Pay, etc.

  • Use your card anywhere in the world:

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

What are the bank of baroda prime credit card charges?

Particulars 

Payable amount 

Bank of baroda credit card cash withdrawal charges 

2.5% against the transaction amount, min Rs.500 (check your available bank of baroda prime credit card limit before making a withdrawal)

BOB credit card finance charges

The bank of baroda credit card interest rate can go up to 3.49% monthly

BOB credit card international transaction charge 

3.5% against the transaction amount 

Bank of baroda add on card fee

None 

How to contact the bob card customer care department?

  • Call the bob financial credit card customer care number: 1800 103 1006/1800 225 100
  • You can also write to the bob credit card mail id: crm@bobfinancial.com 

100xGain Ratings: 

5.5/10

Pros and cons of the bank of baroda prime card:

Pros 

Cons 

  • This bank of baroda card offers a 1% cashback on every transaction. 
  • You can also earn up to 4 bob reward points for every Rs.100 transaction. 
  • This bob credit card is a secured credit card which makes it ideal for beginners.
  • There are no dining or entertainment benefits on this bank of baroda card
  • You will not get any airport lounge access from this bank of baroda prime credit card

Final Opinion:

If you are looking for an entry-level credit card then the bob prime credit card can be a decent choice for you. It provides all the necessary features and benefits that an entry-level card should have. And what is most interesting is that you can get this card against a fixed deposit account, which eliminates the need for CIBIL score and credit history. 

But if you are looking for benefits like a discount on dining, free lounge access, or complimentary golf rounds, then you will be disappointed with this bank of baroda credit card. So, if you are looking for some alternative options, then feel free to take a look at the 100xGain top card page, you can also compare the alternative cards given below. 

Alternative bob prime credit card: 

  1. AU small altura plus credit card (Best for cashback and reward benefits) 
  2. Axis bank freecharge credit card (Best for cashback and reward benefits)
  3. RBL bank etmoney loanpass credit card (Best for offering cashback) 
  4. UBI Silver Credit card (Best for offering reward points) 

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