LIFETIME FREE BOB CARD, ISSUED AGAINST FIXED DEPOSIT

Bank of Baroda PRIME Credit Card

Bank of Baroda PRIME Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee
✔︎
Guaranteed approval card against fixed deposit – no income proof required || no credit score required
✔︎
Fuel surcharge waiver, upto ₹250 per month
Annual Fee

₹0

  • Nil
Minimum Income

Not required, since the card is issued against a fixed deposit

Guaranteed approval card against fixed deposit – no income proof required || no credit score required
– Minimum fixed deposit amount required is ₹15,000.

Lifetime free card – zero annual fee : No annual fee is charged on your card.

0.50% benefit on all spends
– You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all purchases
– 1 reward point = ₹0.25.
Exceptions –
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward points worth 25 paise, on every ₹100 you spend.

Fuel surcharge waiver, upto ₹250 per month : You get a 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month (since the waiver amount is capped at ₹250 per monthly card statement cycle)

Benefits
– This card is ideal for individuals who may not have regular income AND/OR for those who do not have a good credit history – like students, first jobbers, homemakers, gig economy workers, senior citizens, travellers, and self-employed individuals. Hence it is a good starter card for beginners who are starting or rebuilding their credit journey.
– Credit card is lifetime free

Drawbacks
– Low reward rate of 0.50%


To read the full review of the card, please click here
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