BOBCARD Prime (FD-Backed)
A secured credit card issued against a Bank of Baroda Fixed Deposit starting from ₹15,000. It guarantees 100% approval without requiring income proof or prior credit history, assigning up to 90% of the deposit balance as a credit limit with flat 1% value return and zero annual fees.
Why We Recommend The BOBCARD Prime (FD-Backed)
The most reliable secured credit card in Bank of Baroda’s roster, offering guaranteed approval with zero annual fees.
First-time borrowers, students, or individuals repairing low credit scores.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BOBCARD Prime (FD-Backed)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BOBCARD Prime (FD-Backed)
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Prime (FD-Backed)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Not available
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BOBCARD Prime (FD-Backed) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Guaranteed approval against Bank of Baroda Fixed Deposit of ₹15,000 or more.
Credit limit provided up to 85%–90% of the underlying FD amount.
FD continues to earn regular term deposit interest rates.
Pros & Cons of the BOBCARD Prime (FD-Backed)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Completely Lifetime Free without any annual or renewal conditions.
- Reliable tool to build or repair CIBIL score without income proof or salary slips.
- Decent 1% flat reward rate on standard retail transactions.
Things to Consider (Cons)
- Requires locking funds in a Bank of Baroda Fixed Deposit.
- No airport lounge privileges or lifestyle perks.
- FD cannot be liquidated without first closing or settling the credit card.
Who Can Apply for the BOBCARD Prime (FD-Backed)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
720+ Score Recommended
Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Prime (FD-Backed)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the BOBCARD Prime (FD-Backed)?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.