BOB PRIME Credit Card: An Essential Guide

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

3 Mar 26
4 mins

Sandipan Mitra

08 Mins
03-03-26

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Table of Contents

BOB PRIME Credit Card Benefits
BOB PRIME Credit Card Charges

A lifetime free credit card is issued against a ₹30,000 fixed deposit.
Earn 500 reward points within 60 days of usage.
Earn 2 reward points on every ₹100 spent.
Accident insurance coverage of ₹15 lakh and ₹5 lakh.
Up to 3 lifetime free add-on cards available.

The BOB PRIME Credit Card offers simple benefits with minimal requirements. The card comes with zero joining and annual fees. This makes it easy to maintain the card without extra costs.

It also provides guaranteed issuance against a fixed deposit of ₹30,000 or more, so you can apply without income proof. Designed for convenient usage, the card suits those who want steady rewards and basic features with a secure credit option.

BOB PRIME Credit Card Benefits

Start earning rewards early with 500 bonus reward points when you spend ₹5,000 within the first 60 days. This welcome benefit helps you start your reward journey quickly.

Along with this initial advantage, the card offers several benefits and practical features:

Everyday Reward Earnings

Earn 2 reward points for every ₹100 spent on eligible purchases. You may also receive deals and discounts across selected online and retail brands.

Fuel Savings

Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India. The maximum waiver allowed is ₹250 per statement cycle.

Insurance Protection

The card includes accidental death insurance coverage. The benefit provides ₹15 lakh cover for air accidents and ₹5 lakh cover for non-air incidents.

Flexible EMI Facility

Convert purchases above ₹2,500 into smart EMI plans. You can choose a repayment timeframe between 6 and 48 months based on your needs.

Add-on Card Benefits

Receive up to 3 lifetime free add-on cards for eligible family members such as spouse, parents, siblings or kids above 18 years of age.

Security and Contactless Payments

Report a lost card immediately to avoid liability for unauthorised transactions. The card also supports secure contactless payments for fast and convenient purchases.

BOB PRIME Credit Card Charges

Although BOBCARD PRIME is a lifetime free card, certain service charges still apply, such as overlimit charges. Exceeding the approved credit limit attracts a fee of 2.5% of the excess amount or ₹600, whichever is higher.

The table below outlines other applicable charges:

Parameters	Charges
Finance Charges	3.49% per month, or 41.88% annually
Card Replacement Charges	₹100
Cheque Dishonour Charges	2% or min. ₹500
Cash Withdrawal Charges	2.5% or ₹500 (whichever is higher)
Foreign Currency Transaction	3.5%
Late Payment Charges	Less than ₹100: NIL₹100 - ₹500: ₹100₹501 - ₹1000: ₹400₹1001- ₹10,000: ₹750₹10,001 - ₹25,000: ₹950₹25,001 - ₹50,000: ₹1100More than ₹50,000: ₹1300

💡Missing credit card bill payment deadlines can raise your total card expenses over time. Stay organised with the Pice app, which sends timely alerts and supports smooth credit card bill payment while securely tracking each transaction in one place.

Footnotes

Reward points can be redeemed as cashback at a value of ₹0.20 per point without restrictions on redemption.
Cardholders get a one-time option to change the billing cycle by contacting customer support through email or helpline numbers.

FAQs

What documents are required for the BOBCARD PRIME application?

You must submit a recent passport-size photograph and a PAN card as mandatory documents. Address proof, such as an Aadhaar card, voter ID, passport, or driving licence, is also required for verification.

How to complete the BOB PRIME Credit Card online application?

You can apply for the Bank of Baroda PRIME Credit Card online through the official BOBCARD website. Select the card, fill in the details, upload documents, and submit the form after verification to complete the process.

How can you redeem BOB PRIME reward points?

Reward points can be redeemed through the BOBCARD rewards microsite or mobile app. Log in using your card details, verify with OTP, and choose the number of points you want to redeem.

How long do BOB PRIME reward points remain valid?

Reward points stay valid for 24 months from the date they are earned. Once the validity period ends, expired points cannot be restored or reused in future redemptions.

How do you register for the BOBCARD mobile app access?

Download the BOBCARD mobile app and register using your mobile number. Enter your card’s last 4 digits and date of birth, then create an M-PIN to access the account.