BOB Prime Credit Card

‘BOB Prime Credit Card’ is a MasterCard credit card from ‘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 amount. The awesome benefits of this card is – Easy cash-back, Discount on fuel surcharges, Reward programme and easy redemption, EMI facility, Add on card, Insurance coverage, Lost card liability, Interest free period, revolve payment facility, and 24X7 customer service experience. in fact this card offers you the best possible features and benefits at a very low cost.   

  • Eligibility criteria –
  • Nationality – Indian.
  • Age – 18 – 65.
  • Occupation – Both salaried and self-employed people can apply for this card.
  • Income – This card id offered against your FD amount.
  • Fd. Amount – 15,000(min).
  • Good relation with the bank.
  • Good CIBIL score. (700)
  • Zero due payments.  
  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Voter Id.
  • Driving License
  • Aadhar Id.
  • Letter from UIDAI.
  • Proof of Address –
  • Passport.
  • Gas, Electricity or any utility bill. ( recent )
  • Ration card.
  • Document of property registration.
  • Proof of Income –
  • 3 month’s bank statement. (latest)
  • Recently submitted form 16.
  • Salary Slip (recent 3 months)
  • KYC-PAN.
  • Fees – 
  • Joining fee – None.
  • Annual fee – None.
  • Add on fee – None (for up-to 3 cards)
  • Interest rate (p.m.) – 3.25% monthly.  
  • Benefits – The benefits of the card is described below –
  • Reward programme – This card offers you to earn reward points on each transaction. With each ₹ 100 transactions you can get 4 reward points. 4 reward points = ₹ 1. You can also redeem your earned points more easily with multiple reward points.
  • Reward redemption – Redeeming reward points is now very easy. You can use your earned reward points for ticket booking, bill payments or you can redeem your points in to cash.
  • Cash-back offer – This card is card is specially designed to give you more reward and cash-backs. With this card you can get 1% cash-back with all your transactions. So you can now earn from your spends. 
  • Zero joining and annual fee – This card comes with zero joining and annual fee. You can enjoy all the features of the card for free and you don’t need to pay anything to the bank.
  • ▪        Easy Issuance – the application process of the card is very simple. You don’t need to submit income proof for application. You can get this card against your Fixed Deposit amount. Min FD amount is ₹ 15,000.
  • Fuel surcharge waiver – With this card you can get 1% waiver on fuel surcharges. This feature is applicable at all fuel stations in India. Transaction amount – ₹ 400 to ₹ 5,000. You can get up-to ₹ 250 off monthly.
  • Insurance Coverage – Your ‘BOB Prime Credit Card’ comes with a built-in insurance coverage against any accidental deaths. That means your family now has the financial backup in case of any accidental deaths.
  • Lost card liability – ‘Bank of Baroda’ covers you against lost or stolen cards. If you can report within 24 hours then you can ensure your zero liability. You can also block your lost or stolen cards within no time with the help of BOB Customer care.
  • EMI facility – Now you don’t need to worry about your big bill amount. With the help of this feature you can transfer your big bill amounts into easy monthly EMIs. Min bill amount ₹ 2,500.
  • Add on facility – Now you can share the benefits of your card with your loved ones. You just have to add your loved ones (children, parents, siblings or any family members of 18 years) with your card and they can also enjoy the awesome benefits of a credit card. you don’t need to pay anything for up-to 3 cards.   
  • Interest free period – With this card you can enjoy up to 50 days of interest free period. You will find this very beneficial in EMIs.
  • Charges –
  • Cash Withdrawal charge – 2.5% at any domestic ATMs & 3% at any overseas ATMs.
  • Late payment Fee –
  • Up to 200 – 0.
  • 200 – 500 – 100.
  • 501 – 1000 – 400.
  • 1001 – 10000 – 500.
  • Over 10000 – 750.
  • Foreign currency transaction – 3.5% against the transacted amount.
  • Other benefits –
  • EMV Chip card – Your ‘BOB Prime Credit Card’ comes with a built in EMV chip. This chip can make your transactions more safe and a lot faster. You can also use your EMV chip card with your NFC enabled mobile phone for online payments.
  • Worldwide acceptance – Your ‘BOB Prime Credit Card’ is designed for domestic and overseas uses. You can use this card at any-where in the world wherever the MasterCard logo is displayed. You can also withdraw cash from any ATMs in the world.
  • 24X7 Customer Care – With BOB you can enjoy a 24X7 active and premium customer care experience. you can  ask for any help from them any time. you can also contact them from any corner of the earth.
  • Revolve facility – Now you don’t need to worry about your low shopping budget. You can now pay a minimum amount of the purchase and the rest of the amount you can pay later more easily with a low interest rate.
  • Customer care number –
  • 1800 258 4455
  • 1800 102 4455
  • 1800 102 7788
  • Final verdict –

If you are looking for a low-cost credit card that can earn you reward and cash-backs. Then this card is best for you. It also comes with a lot of amazing features and benefits like – Zero joining and annual fee, Reward and cash-back offer, Easy redemption, Add on facility, EMI & revolves payment option, and built-in insurance coverage. So if you are eligible then you must go for it, as it brings a lot of features and benefits almost for free.

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