BOBCARD Prime (FD-Backed)
A Lifetime Free secured credit card issued against a Bank of Baroda Fixed Deposit of ₹30,000 or more. It guarantees issuance without requiring income proof, offering 2 Reward Points per ₹100 spent, a 500 RP welcome bonus, and a 1% fuel surcharge waiver while your FD continues to earn regular interest.
Why We Recommend The BOBCARD Prime (FD-Backed)
Bank of Baroda’s hassle-free secured credit card, offering guaranteed issuance against a ₹30,000 FD with zero annual fees.
First-time borrowers, students, homemakers, or senior citizens building a credit history.
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
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD Prime (FD-Backed)
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.20
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD Prime (FD-Backed)
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Prime (FD-Backed)
Transparent assessment of travel and airport lounge conditions bundled with this card tier.
Not available
This card focuses rewards on retail, shopping, and everyday cashback rather than travel lounges. Paid access is available at standard airport counter rates.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes BOBCARD Prime (FD-Backed) Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
Guaranteed issuance against a Bank of Baroda Fixed Deposit of ₹30,000 or more (except CIBIL delinquent customers).
Wide age eligibility from 18 to 85 years without income documentation.
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (max ₹250/cycle).
Honest Pros & Cons of the BOBCARD Prime (FD-Backed)
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Completely Lifetime Free without any annual or renewal conditions.
- Reliable tool to build or repair CIBIL score without salary slips or ITR.
- Lower finance charges (3.25%/month or 39% p.a.) compared to standard unsecured entry cards.
Things to Consider (Cons)
- Requires locking at least ₹30,000 in a Bank of Baroda Fixed Deposit.
- Point redemption rate is ₹0.20 per RP (0.40% effective return).
- No airport lounge privileges.
Who Can Apply for the BOBCARD Prime (FD-Backed)?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
720+ Score Recommended
Applicants with a score above 720 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Prime (FD-Backed)
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD Prime (FD-Backed) is Nil (Lifetime Free).
You can have this fee completely waived by meeting the annual spend milestone: Lifetime Free unconditionally. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD Prime (FD-Backed) features: 2 Reward Points per ₹100 (0.40% cashback return) on retail spends against Fixed Deposit.
Base reward: 2 Reward Points per ₹100 spent on all eligible categories (0.40% return).
Accelerated reward: No specialized multiplier; uniform 2 RPs per ₹100 across eligible retail spends.
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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An institutional corporate card created for companies and partnerships to govern employee travel, lodging, and business expenses. Issued with zero joining fee and a ₹1,000 annual fee (waived on ₹1,00,000 annual spend), it features fourth-line company name embossing, categorized employee spend statements, and 8 domestic airport lounge visits annually.
Ready to Apply for the BOBCARD Prime (FD-Backed)?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.