Bank of Baroda
BOBCARD Prime Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.4% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹250 a month
01BOBCARD Prime Credit Card Rewards and Benefits
02BOBCARD Prime Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹250 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.4%₹80
- Back each month, ₹960 a year₹80
- In your pocket each year₹960
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Anyone who wants no annual fee, ever
Skip it if…
- most of your spending is groceries, fuel, rent or insurance: those earn nothing on this card
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How BOBCARD Prime Credit Card earns Rewards
0.4% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.4% | No cap | The card's normal rate |
| Online shopping | 0.4% | No cap | The card's normal rate |
| Dining and food delivery | 0.4% | No cap | The card's normal rate |
| Groceries | Earns nothing | - | earns nothing on this card |
| Travel: flights, hotels, trains | 0.4% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.4% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.4% | No cap | The card's normal rate |
| Everything else | 0.4% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 (~0.4% at ₹0.20/point) on all categories, including UPI spends. Fuel earns no reward points
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
05BOBCARD Prime Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 0.4% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle. Fuel spends earn no reward points
06BOBCARD Prime Credit Card Eligibility and Documents
- Age
- 18 to 85 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Fixed deposit of ₹30,000 or more Recent passport-size photograph
07Recent Changes
What Bank of Baroda changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jul 2026 | Reduced: Complimentary accidental death insurance withdrawnSource: Bank of Baroda | Air + non-air accidental death cover included | No accidental death cover |
| 1 Apr 2026 | Reduced: Processing fees added on toll/bus, high-value rail and third-party education spendsSource: Bank of Baroda | None | 1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps, each max ₹5,000) |
| 1 Jul 2025 | Reduced: Finance charge raised to 3.75% per monthSource: Bank of Baroda | 3.49% per month (41.88% p.a.) | 3.75% per month (45% p.a.) |
| 1 Jul 2025 | Reduced: Minimum redemption raised to 1,000 pointsSource: Bank of Baroda | No stated minimum | 1,000 points minimum |
| 1 Jul 2025 | Changed: Utility bill payments earn reward points againSource: Bank of Baroda | No reward points on utilities | 2 reward points per ₹100 on utilities |
See this card's change history → · All card changes in July 2026 →
08Cards Similar to BOBCARD Prime Credit Card
BOBCARD Prime Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | BOBCARD Prime Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | Lifetime free | ₹499 + GST |
| Annual fee | Lifetime free | Lifetime free | ₹499 + GST |
| Rewards | 0.4% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Not included | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the BOBCARD Prime Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the BOBCARD Prime Credit Card?
The annual fee is Free.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Bank of Baroda. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
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GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
