Card Details
BOBCARD Prime
Monzy Score
5.5/ 10
Decent for high fuel spenders.
Lifetime free, so no fee to earn back; thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
Bank of Baroda
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Offers from Bank of Baroda
See allUpto 20% Off on Flipkart Travel
Travel Deals · till 13 Sep 2026
10% Instant Discount on Flipkart
Shopping Deals · till 15 Sep 2026
Flat ₹6000 off on Flipkart 2-Wheelers
Shopping Deals · till 15 Sep 2026
Upto 25% Off on Cleartrip
Travel Deals · till 27 Sep 2026
Upto 12% Off on Ixigo
Travel Deals · till 30 Sep 2026
Earn Points
2pts
/₹100 on Shopping
1%
Cashback on All Spends
Benefits
Lifetime-free card with guaranteed issuance
- Easy-to-get lifetime-free card
- Lifetime free with no joining or annual fee
- Guaranteed issuance against your Bank of Baroda FD
- Almost zero documentation
1% fuel surcharge waiver
Reward points on every spend
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel
Estimated Returns
All eligible spends
FD-backed secured card. 2 RP/100 on all categories, redeem at Rs 0.20/point. Fuel & select MCCs (rent, insurance, telecom, supermarket, wallet, education, govt etc.) excluded. UPI spends capped at 500 RP/statement.
₹120
Total Annual Return
₹1,440
0.4% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“Are BoB card worth it?”
by r/CreditCardsIndia, Jul 2024
“BOB cards are shit”
by r/CreditCardsIndia, Oct 2025
“Question on BOB premier credit card”
by r/CreditCardsIndia, Aug 2025
“BOB Card offer extended”
by r/CreditCardsIndia, Jan 2026
“Can I apply for BoB Eterna LTF without current address”
by r/CreditCardsIndia, Feb 2026
Frequently Asked Questions
The BOBCARD PRIME is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because Bank of Baroda prices some variants differently.
RECENT CHANGES
Terms were revised recently — verify current fee, reward and exclusion terms before you apply.
Things to Keep in Mind
1% fuel surcharge waiver is applicable only on transactions between ₹400 and ₹5,000.
No Reward Points are earned on fuel transactions.
Page refers users to MITC for detailed exclusions.
