Bank of Baroda Credit Card Prime

Bank of Baroda Credit Card Prime

✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card now!

BOB Prime Credit Card

**Disclaimer: Bank of Baroda is not a Finserv MARKETS’ partner. Offers would be from partner Banks/NBFCs only.

The Prime Credit Card offered by Bank of Baroda is very popular among many individuals for several reasons. Bank of Baroda Prime Credit Card offers exceptional benefits to already existing customers as it offers a guaranteed issuance worth Rs. 15,000 or more. In addition, no income proof has to be submitted to avail of this issuance. Apart from already existing customers, new customers as well sign up for this credit card due to the plethora of benefits that it offers.

Features & Benefits of Prime Credit Card

The Prime Credit Card BOB has several great benefits and features. Let us have a look at them.

  • No Annual Fees

To get a Prime Credit card, you do not have to pay any joining fees. You also need not pay annual fees or first-year fees.

  • Guaranteed Issuance

You can avail of Rs. 15,000 guaranteed issuance for fixed deposits.

  • Cashbacks

You can avail of a 1% cashback on all of your spending.

  • Fuel Surcharge Waiver

For fuel transactions between Rs. 400 and Rs. 5,000, you can benefit from a 1% waiver on the fuel surcharge of a maximum of Rs. 250 per cycle.

  • Easy EMI

For purchases over Rs. 2,500, you can convert the payment to 6-month or 12-months EMIs

Charges and Fees of Prime Credit Card

To avail of Bank of Baroda Credit Card Prime, a joining fee has to be paid. In addition to this fee, more charges have to be paid for the annual maintenance and other aspects. Let us have a look at the different fees and charges that come along with the Prime Credit Card offered by Bank of Baroda.

  • Annual Fee

No annual fees are charged for the BOB Financial Prime Credit Card.

  • First Year Fee

Similar to the annual fee, no fee is charged for the first year upon availing of the Baroda Prime Credit Card.

  • Cheque Return Charges

For cheques that are returned, either a minimum amount of Rs. 300 is charged or 2% of the cheque amount is charged.

  • Unblocking Charges

Blocking the credit card can happen in cases of theft/burglary or the bank could block the credit card if the BOB Prime Credit Card limit is reached. In such cases, an unblocking charge of Rs. 300 will be charged while unblocking the credit card.

  • Cash Withdrawal Charges

For cash withdrawal, a charge of a minimum of Rs. 500 or 2.5% of the withdrawn amount will be charged.

  • Finance Charges

Finance charges of 39% per annum or 3.25% per month will be charged for the Prime Credit Card.

  • Foreign Currency Transaction Fee

For every transaction of foreign currency, 3.5% of the amount will be charged as a transaction fee.

  • Late Payment Charges

A fee would be charged for late payment of credit card dues and would vary depending on the amount to be repaid.

 

Amount

Late Payment Charges

Less than Rs. 100

No charges

Rs. 100 to Rs. 500

Rs. 100

Rs. 501 to Rs. 1,000

Rs. 400

Rs. 1,000 to Rs. 10,000

Rs. 600

Rs. 10,001 to Rs. 25,000

Rs. 800

Above Rs. 25,000

Rs. 950

Prime Credit Card Rewards

In addition to the benefits offered by the Prime Credit Card, the following rewards can also be availed.

  • Insurance Cover

You can avail of free death cover for personal accidents. This will help ensure that you are financially secured and can protect your family from financial distress.

  • Free Add-On Card

You will be eligible for 3 free add-on cards for your parents, spouse, and siblings, and kids over 18 years of age.

  • Revolving Credit Facility

You can spend as per your own convenience and you can pay the minimum due amount to keep your credit facility running.

  • Interest-Free Credit Facility

Availing of a Prime Credit card can help you avail of interest-free credit for up to 50 days from the date of any purchase you make.

  • Zero Liability with the Lost Card

If your card is lost or stolen, report the loss of your card immediately to prevent fraudulent transactions and ensure zero liability.

Eligibility Criteria to Apply for Prime Credit Card

To apply for Bank of Baroda Prime Credit Card, certain eligibility criteria have to be met. Mainly both age and occupation have to be met such as follows.

  • Age

To avail of the Prime Credit Card, you should be of a minimum of 18 years of age and a maximum of 65 years of age.

  • Occupation

Both salaried individuals and non-salaried individuals can apply for the Prime Credit card offered by Bank of Baroda.

How to Apply for Prime Credit Card

You can either apply online through Bank of Baroda’s website or visit a branch to apply for the Prime Credit Card. You cannot apply for a credit card through Finserv MARKETS.

  • Apply on the Website

Step 1: Navigate to the BOB Prime Credit Card website.

Step 2: Fill in your details such as your name, phone number, email ID, etc.

Step 3: Submit the necessary documents and then submit your application.

  • Apply at the Branch

To get the BOB Prime Credit Card apply by visiting a Bank of Baroda branch nearby. Fill in the application and submit the necessary documents to complete the application process.

Top Credit Cards from Partner Banks

Several credit cards offered by partner banks provide rewards and other benefits. Let us have a look at the top credit cards from partner banks.

Name of the Card

Annual Fee

Rewards

SBI Elite Credit Card

Rs. 4,999

Club Vistara Membership and 5X rewards on dining, grocery, and departmental store spending.

Axis Neo Credit Card

Rs. 250

Welcome offers on Amazon, and no-cost EMIs on products

CitiBank Premiermiles Credit Card

Rs. 3,000

Travel perks, free travel insurance, and 2 complimentary lounge visits a year

RBL World Plus SuperCard

Rs. 4,999

20,000 reward points after paying the joining fee

SBI SimplyClick Credit Card

Rs. 499

10X reward points on online spending

Frequently Asked Questions

  • ✔️What is the BOB Prime Credit Card?

    The Prime Credit Card has several features and benefits without any joining fee or annual charges. In addition, the BOB Prime Credit Card review has been great due to its multiple benefits and features. 

  • ✔️What is the BOB Prime Credit Card limit?

    The credit limit of the Prime Credit Card depends on factors such as your credit score, repayment history, and will be communicated to you at the time of issuance of the card.

  • ✔️s BOB Prime Credit Card free?

    Yes. The Prime Credit card has no joining fee and is a lifetime free card.