BOBCARD PRIME Credit Card
The BOBCARD Prime Credit Card is Bank of Baroda's lifetime-free credit card offering basic Reward Points on all eligible spends.
Beginner & Zero Fee Fit Score
94/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
0.2 – 0.4
1 pts/₹100 · ₹0.2/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
15/35
Fee Value & ROI
25/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
BOBCARD PRIME Credit Card Benefits
BOBCARD PRIME Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.2% – 0.4%
Earn rate
1
Points / ₹100
₹0.2
Per point
BOBCARD PRIME Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Things to Keep in Mind
- No reward points on fuel transactions
- Reward program not applicable on select MCCs
Card Features
🎉 Zero Annual Fee — 100% Net Profit
BOBCARD PRIME Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
BOBCARD PRIME Credit Card Eligibility
Pros & Cons
- Lifetime free card — zero joining fee and zero annual fee
- 2 Reward Points per ₹100 on dining and grocery transactions
- 1 Reward Point per ₹100 on all other eligible retail spends
- 1% fuel surcharge waiver at petrol pumps
- Free add-on cards
- Contactless payments
- Low effective reward rate
- No lounge access
Who is this card for?
Bank of Baroda savings account holders who want a zero-cost credit card for everyday spending and basic rewards without any fee commitment.
Quick Links
Data last updated 25 Sept 2026
Calculate your exact earnings with BOBCARD PRIME Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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