BOBCARD
BOBCARD PRIME Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
2%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
2%
Earn rate
2
Points / ₹100
₹0.2
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- No reward points on fuel transactions
- Reward program not applicable on select MCCs
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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 24 Mar 2026