{"id":85410,"date":"2026-03-03T16:45:49","date_gmt":"2026-03-03T11:15:49","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85410"},"modified":"2026-03-03T16:45:53","modified_gmt":"2026-03-03T11:15:53","slug":"bob-prime-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bob-prime-credit-card\/","title":{"rendered":"BOB PRIME Credit Card: An Essential Guide"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A lifetime free credit card is issued against a \u20b930,000 fixed deposit.<\/li>\n\n\n\n<li>Earn 500 reward points within 60 days of usage.<\/li>\n\n\n\n<li>Earn 2 reward points on every \u20b9100 spent.<\/li>\n\n\n\n<li>Accident insurance coverage of \u20b915 lakh and \u20b95 lakh.<\/li>\n\n\n\n<li>Up to 3 lifetime free add-on cards available.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>It also provides guaranteed issuance against a fixed deposit of \u20b930,000 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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>BOB PRIME Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Prime-Benefits-1024x682.jpg\" alt=\"BOB PRIME Credit Card Benefits\" class=\"wp-image-85412\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Prime-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Prime-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Prime-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Prime-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BOB-Prime-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Start earning rewards early with 500 bonus reward points when you spend \u20b95,000 within the first 60 days. This welcome benefit helps you start your reward journey quickly.<\/p>\n\n\n\n<p>Along with this initial advantage, the card offers several benefits and practical features:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Everyday Reward Earnings<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Earn 2 reward points for every \u20b9100 spent on eligible purchases. You may also receive deals and discounts across selected online and retail brands.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Fuel Savings<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Get a 1% fuel surcharge waiver on transactions between \u20b9400 and \u20b95,000 at fuel stations across India. The maximum waiver allowed is \u20b9250 per statement cycle.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Insurance Protection<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The card includes accidental death insurance coverage. The benefit provides \u20b915 lakh cover for air accidents and \u20b95 lakh cover for non-air incidents.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Flexible EMI Facility<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Convert purchases above \u20b92,500 into smart EMI plans. You can choose a repayment timeframe between 6 and 48 months based on your needs.<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Add-on Card Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>Security and Contactless Payments<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Report a lost card immediately to avoid liability for unauthorised transactions. The card also supports secure contactless payments for fast and convenient purchases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>BOB PRIME Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>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 \u20b9600, whichever is higher.<\/p>\n\n\n\n<p>The table below outlines <a href=\"https:\/\/online.bobcard.co.in\/assets\/BOBCARD_MITS.pdf\" target=\"_blank\" rel=\"noopener\">other applicable charges<\/a>:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>3.49% per month, or 41.88% annually<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Foreign Currency Transaction<\/td><td>3.5%<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than \u20b9100: NIL\u20b9100 &#8211; \u20b9500: \u20b9100\u20b9501 &#8211; \u20b91000: \u20b9400\u20b91001- \u20b910,000: \u20b9750\u20b910,001 &#8211; \u20b925,000: \u20b9950\u20b925,001 &#8211; \u20b950,000: \u20b91100More than \u20b950,000: \u20b91300<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Missing credit card bill payment deadlines can raise your total card expenses over time. Stay organised with <a href=\"https:\/\/piceapp.com\/\">the Pice app<\/a>, which sends timely alerts and supports smooth credit card bill payment while securely tracking each transaction in one place.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Reward points can be redeemed as cashback at a value of \u20b90.20 per point without restrictions on redemption.<\/li>\n\n\n\n<li>Cardholders get a one-time option to change the billing cycle by contacting customer support through email or helpline numbers.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1772536035834\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What documents are required for the BOBCARD PRIME application?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772536057130\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How to complete the BOB PRIME Credit Card online application?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772536085745\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can you redeem BOB PRIME reward points?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772536104329\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How long do BOB PRIME reward points remain valid?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772536123253\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How do you register for the BOBCARD mobile app access?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Download the BOBCARD mobile app and register using your mobile number. Enter your card\u2019s last 4 digits and date of birth, then create an M-PIN to access the account.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 \u20b930,000 or more, so you can apply without income proof. Designed for [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85411,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85410","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85410"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85410\/revisions"}],"predecessor-version":[{"id":85413,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85410\/revisions\/85413"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85411"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85410"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85410"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85410"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}