Bank of Baroda Prime Credit Card: Features & Benefits

Summary

Designed initially for salaried people and first-time credit card users, the lifetime free Bank of Baroda Prime Credit Card offers. It is reasonably priced since it provides zero joining and annual fees, thereby cutting money. Users of the reward points program—which awards 4 Reward Points for ₹100 spent on meals, online shopping, and utility bill payments—get one Reward Point for ₹100 spent on other expenses.

The card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, therefore helping to reduce fuel expenses for people who often use their card for gasoline purchases. The interest-free credit period is another wonderful benefit since it helps consumers properly manage their money, free from immediate debt load. There are fifty days in all. Big purchases also fit flexible EMIs at moderate rates of interest quite naturally.

Additionally included on the card is contactless payment capability for quick, tap-and-go payments and greater security using an EMV chip for safe transactions. Frequent transactions are made possible by consumers quickly paying utility bills made possible by the BoB BillPay tool.

Introduction

For people who wish to better control their costs, the Bank of Baroda Prime Credit Card is an excellent choice. Along with a credit limit for daily needs, the BoB Prime Credit Card offers several wonderful features. By using the Bank of Baroda Prime Credit Card, you can get discounts on shopping, travel, dining, and other expenses, as well as cashback and reward points.

Those consumers who wish for extra facilities and advantages beyond a basic credit card are well suited for this card. In addition to this, you also get a ree credit period, a card without an annual fee, and remission of gasoline surcharge. Furthermore, you directly benefit from Bank of Baroda services all around the nation using your BoB Prime Credit Card.

For individuals who wish to enhance or boost their credit history, the BoB Prime Credit Card is also useful. Regular transactions through this and timely bill payments help to raise your credit score, which will be valuable for future credit card or significant loan applications.

We will go into great length in today’s essay on the BoB Prime Credit Card. About which we will go into great length in terms of advantages. We will also go over in great detail how to apply for a BoB Prime Credit Card, in addition to the fees for it, on this page. Thus, go through this article till the very last to avoid any difficulties later.

What is the Bank of Baroda Prime Credit Card?

Bank of Baroda first presented credit cards to its clients as a handy and advantageous tool for transactions. The Bank of Baroda Prime Credit Card gives you credit for travel, bills paid, shopping, and other costs. This allows you to pay later—as a bill—instead of right now while you are shopping.

Additionally, the BoB Prime Credit Card offers discounts, cashback, and reward points—many appealing traits. Those who want to quickly control their daily costs and receive some extra advantages along with it should notably choose the BoB Prime Credit Card.

What is the design of the Bank of Baroda Prime Credit Card?

The BoB Prime Credit Card is designed simply yet professionally. It looks upscale, with the Bank of Baroda emblem on top of a slick background. Designed for simple identification, the card features all necessary information like the cardholder’s name, card number, and front printing of validity. 

Along with contactless payment convenience and an EMV chip for safe transactions, it also has. The general layout is simple for use whether making offline or online purchases.

What are the benefits of the Bank of Baroda Prime Credit Card?

These are some main advantages:

1. Zero Joining & Yearly Fee: This is a lifetime free credit card devoid of yearly fees or joining charges.

2. Reward Points with Every Spend: Spend ₹100 on eating, online shopping, and utilities, and get 4 Reward Points. Spend ₹100 on other categories and earn one reward point.

3. Fuel Surcharge Waiver: Fuel stations all around India grant a 1% fuel surcharge waiver on purchases between ₹400 and ₹5,000 (maximum benefit of ₹250 per billing cycle).

4. EMI Facility: Low-interest rate easy monthly EMIs will turn your large purchases into.

5. Get up to fifty days of interest-free credit on your purchases.

6. The card offers contactless payments for quick and safer purchases since it features an EMV chip.

7. Simple Bill Payments – Conveniently pay utility bills like gas, water, and electricity with the BoB BillPay tool.

What are the Bank of Baroda Prime Credit Card fees?

Here is a simple BoB Prime Credit Card fee breakup.

Joining Fee	NIL
Annual Fee	NIL
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3. there is a 5% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Bank of Baroda Prime Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the BoB Prime Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Bank of Baroda Prime Credit Card?

The documents that you will have to submit to Get a BoB Prime Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Bank of Baroda Prime Credit Card be used?

Here is the list of places where you can use it:

• With the BoB Prime Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your BoB Prime Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The BoB Prime Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Bank of Baroda Prime Credit Card?

The credit amount you can spend is what you are provided with a BoB Prime Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a Bank of Baroda Prime Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Bank of Baroda, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the BoB Prime Credit Card.

• Just hover your cursor on the BoB Prime Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Bank of Baroda branch to apply for the BoB Prime Credit Card.

• Request for the credit card application form for the BoB Prime Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Bank of Baroda Prime Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Bank of Baroda Prime Credit Card in 2025 be right?

Yes, getting a BoB Prime Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

BoB Prime Credit Card is an excellent choice for anyone who wants a handy and helpful credit card for their routine needs. Apart from streamlining your financial transactions, the  BoB Prime Credit Card provides you with more conveniences, such as discounts, cashback, and reward points. Apart from this, the BoB Prime Credit Card offers benefits in many domains, including shopping, travel, and internet transactions, which you may employ to carefully regulate your expenses.

A credit card allows you to pay no annual fee; hence, it fits the budget. With waivers of the gasoline surcharge, free credit period, and other great offers, it is much better. Apart from this,  the BoB Prime Credit Card helps to enhance and maintain your credit history, thereby enabling future access to bigger loans or other financial products.

All things considered, the BoB Prime Credit Card is a useful, safe, quick tool for handling your finances. The BoB Prime Credit Card can be a perfect choice for you if you are looking for a card that simplifies your daily costs and also offers the advantage of several incentives. Even better is the confidence of BoB and the extensive array of their offerings, which makes the BoB Prime Credit Card valuable long-term as well.

Frequently Asked Questions (FAQs)