BOBCARD
BOBCARD Prime Credit Card
Guaranteed issuance against FD
Lifetime free · 4x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
4x
Min. income
Not published
Forex markup
Not published
Lounge access
None
Eligibility
Not published
Reward cap
No published cap
Welcome benefit
500 Reward Points on spends of Rs 5,000 within 60 days of card issuance
BOBCARD Prime is a lifetime-free, FD-backed card earning 2 reward points per Rs 100, issued against a Rs 30,000 fixed deposit without income proof.
Who is this for
- Building credit history
- Fee-averse spender
- First-time cardholder
What we like
- Guaranteed FD-backed issuance
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Not waivable |
| Fuel surcharge | 1% | 1% fuel surcharge waived on Rs 400-5,000 transactions, max Rs 250 per statement cycle (GST not reversed); no reward points on fuel |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2 Reward Points per Rs 100 on all other categories (flat, no accelerated category); exclusions apply per MITC | — | Redeem as cashback at 1 RP = Rs 0.20 |
Benefits
-
Guaranteed FD-backed issuance Highlight
Issued against an FD of Rs 30,000 or more with zero income documentation (video KYC); except CIBIL-delinquent customers
-
Welcome benefit
500 Reward Points on spends of Rs 5,000 within 60 days of card issuance
-
Accident insurance
Free personal accidental death cover: Rs 15 lakh air, Rs 5 lakh non-air
-
Free add-on cards
Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids above 18
-
Smart EMI
Convert purchases above Rs 2,500 into Smart EMIs of 6 to 48 months
Eligibility
- Age
- 18–85 years
- Documents
- PAN, Aadhaar (both sides), recent photo, address proof and valid FD copy (Rs 30,000+); digital 3-step apply with Aadhaar e-sign and video KYC.
Fees and charges
- Joining fee: Rs 0 — Zero joining fee (issuer page)
- Annual fee: Rs 0 — Zero annual fee; FD-backed secured issuance
- Fuel surcharge: 1% — 1% fuel surcharge waived on Rs 400-5,000 transactions, max Rs 250 per statement cycle (GST not reversed); no reward points on fuel
Rewards
- ALL: 2 Reward Points per Rs 100 on all other categories (flat, no accelerated category); exclusions apply per MITC Redemption: Redeem as cashback at 1 RP = Rs 0.20.
Benefits
- Guaranteed FD-backed issuance: Issued against an FD of Rs 30,000 or more with zero income documentation (video KYC); except CIBIL-delinquent customers
- Welcome benefit: 500 Reward Points on spends of Rs 5,000 within 60 days of card issuance
- Accident insurance: Free personal accidental death cover: Rs 15 lakh air, Rs 5 lakh non-air
- Free add-on cards: Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids above 18
- Smart EMI: Convert purchases above Rs 2,500 into Smart EMIs of 6 to 48 months
Eligibility
- Age: 18-85 years PAN, Aadhaar (both sides), recent photo, address proof and valid FD copy (Rs 30,000+); digital 3-step apply with Aadhaar e-sign and video KYC.
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Apply for BOBCARD Prime Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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