BOBCARD
Bank of Baroda Prime Credit Card
Best for rewards, premium
₹1,000/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹1,000/yr
Reward rate
4x
Min. income
₹7,20,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹7.20 lakh/yr · CIBIL 700+
Reward cap
5X Rewards capped at 2,000 Reward Points per statement cycle on the accelerated categories
Welcome benefit
500 bonus Reward Points on spends of ₹5,000+ within 60 days of card issuance (welcome benefit); spend-based annual fee…
Who is this for
- Rewards optimiser
- Premium cardholder
What we like
- 10X reward points on travel, international & dining (2X base)
- Fuel surcharge waiver up to Rs 250/month
Watch out for
- ₹1,000 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹1,000 | Not waivable |
| Annual fee | ₹1,000 | ₹1,000 annual fee waived on milestone annual spends (per bobcard.co.in) |
| Renewal fee | ₹1,500 | Waived on annual spends >= Rs 2,00,000 |
| Forex markup | Not published | Not waivable |
| Late payment | ₹1,000 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between Rs 400 and Rs 5,000 (max Rs 250/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 10 Reward Points per ₹100 on travel, international & dining spends (5X); 2 Reward Points per ₹100 on other categories | 5X Rewards capped at 2,000 Reward Points per statement cycle on the accelerated categories | 1 Reward Point = ₹0.25 (cashback redemption) |
Benefits
-
Domestic lounge access
1 complimentary domestic airport lounge visit every quarter
-
International lounge access Highlight
Not advertised on the bobcard.co.in Premier page (no Priority Pass / international lounge)
-
Milestone benefits Highlight
500 bonus Reward Points on spends of ₹5,000+ within 60 days of card issuance (welcome benefit); spend-based annual fee waiver
-
Fuel surcharge waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000; maximum ₹250 per statement cycle. Note: no Reward Points earned on fuel.
Eligibility
- Age
- 25–55 years
- Min. income
- ₹7,20,000
- Min. credit score
- 700+
- Score note
- Stable income
- Employment
- Salaried, self-employed
- Documents
- PAN Card, Aadhaar (both sides), recent passport-size photograph, bank statement reflecting salary credit for last 2 months (salaried) / ITR (self-employed)
Bank of Baroda Prime Credit Card is a VISA credit card from Bank of Baroda. It is best suited for rewards, premium.
Fees and rewards
- Annual fee: ₹1500
- Joining fee: ₹1500
- Rewards: 4 reward points per ₹100
Eligibility
PAN Card, Aadhaar (both sides), recent passport-size photograph, bank statement reflecting salary credit for last 2 months (salaried) / ITR (self-employed)
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. Medium-confidence record — verify with the issuer before applying. Status: active.
Apply for Bank of Baroda 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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