Question 1

What is the annual fee on the BOBCARD PRIME and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the BOBCARD PRIME?

Accepted Answer

You earn 2 points per ₹100 on all other categories. Each point is worth about ₹0.2 when you redeem it well, so ₹10,000 of top category spend gives you 200 points, roughly ₹40, which is about 0.4% back. Fuel, select MCCs earn nothing at all.

Question 3

Which spends do not earn rewards on the BOBCARD PRIME?

Accepted Answer

Fuel, select MCCs earn nothing on this card. Reward program is not applicable on select MCCs (Merchant Category Codes) not explicitly listed on the main product page. Between them these cover a large part of a normal month, so work out your reward rate on eligible spend only, not on your total bill.

Question 4

What changed on the BOBCARD PRIME recently and is it still worth it in 2026?

Accepted Answer

Same BOB Jul/Oct 2026 changes; Apr 2026 fees. The changes are dated Aug 25, 2026; Oct 1, 2026. It costs nothing to hold, so keep it as a backup card and stop treating it as your main one if your top category no longer earns.

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BOBCARD Prime

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