BOBCARD Prime
KeepA lifetime-free card against your FD that pays 0.40% flat — no categories, no caps, no thinking.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 500 reward points (₹100) on ₹5,000 of spend within 60 days of issuance
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹0 gross (earn ₹0) against its ₹0 fee = ₹0 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
1 notes on the card itself: how it is issued
Prime redeems BOBCARD points at ₹0.20 against the statement, not the ₹0.25 the defence and professional cards get — the earn is marked down to the card's own published rate.
The take
Prime is BOBCARD's secured card, and it is sold on the absence of paperwork rather than on rewards: park a fixed deposit of ₹30,000 or more and the card is guaranteed, with no income proof and no underwriting to fail — "except for cibil delinquent customer's", as BOBCARD puts it. That is the product. What it earns is one flat rate — two reward points per ₹100 on everything eligible, redeemed at ₹0.20 against the statement, so 0.40% — and BOBCARD is explicit that there is nothing more coming: "Accelerated Reward points benefit is not available on Prime". No 5X rung, no category caps to track, no milestone. That flatness is the point. It is also lifetime-free on BOBCARD's own page — no joining charge, no annual charge, no spend threshold to chase — which makes 0.40% a real 0.40% rather than a number you have to net a fee against. What it does not have is any travel content whatsoever: no lounge access, no reduced forex (the full 3.5% applies), no transfer partner, and the same two-year point expiry as every other BOBCARD. Hold it to open a file a bank will otherwise not open — a deposit you already have, turned into a lifetime-free credit line. Do not hold it to earn.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹1,200 a year at ₹3,00,000 of annual spend
₹2,400 a year at ₹6,00,000 of annual spend
₹4,800 a year at ₹12,00,000 of annual spend
₹14,400 a year at ₹36,00,000 of annual spend
₹24,000 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
BOBCARD (Bank of Baroda) publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 25 Aug 2026 BOBCARD withdraws accidental death cover from twenty cards issuer-wide
- 15 Jul 2026 BOBCARD nearly doubles the spend gate on unlimited domestic lounges issuer-wide
- 1 Apr 2026 BOBCARD reprices rail, toll and app-routed education issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — BOBCARD's page prints 'Zero Joining & Annual Fees'
- Guaranteed issuance against a fixed deposit of ₹30,000 or more, with no income proof at all
- 0.40% flat on every eligible spend — no category to remember and no monthly cap to hit
- 500 welcome points on ₹5,000 of spend inside 60 days
Watch out
- No accelerated rewards at all — BOBCARD's Features T&C names Prime as excluded from the 5X program
- Points redeem at ₹0.20, below the ₹0.25 BOBCARD pays on its defence and professional cards
- No lounge access — Prime is absent from BOBCARD's lounge-eligibility table
- 3.5% forex markup, the Indian norm and no better
- Fuel and the Annexure-1 MCC list (rent, wallets, government, education, insurance, supermarkets, fast food) earn nothing
- Points expire two years after they are earned; redemption needs 1,000 points minimum
What these points actually fly
No live transfer route takes BOBCARD Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Not confirmed on sale — the issuer still documents this card but we could not confirm it is open to new applications. Treat any application path with care.
per the official BOBCARD (Bank of Baroda) MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
SECURED CARD. Prime appears in NEITHER KFS fee table; its product page is the only document that prices it, and it prices both charges at zero — "Zero Joining & Annual Fees." Guaranteed issuance against an FD of ₹30,000 or more with no income proof, "except for cibil delinquent customer's". Core 2 RP per ₹100 and nothing else: BOBCARD's Product Features T&C states outright that "Accelerated Reward points benefit is not available on Prime, Corporate and Empower Credit Cards." Prime redeems points at ₹0.20. No lounge access.
per the official BOBCARD (Bank of Baroda) MITC · reviewed 10 Jul 2026
What's changed for this card
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 25 Aug 2026BOBCARD withdraws accidental death cover from twenty cardsAir and Non-Air Accidental Death Cover bundled with Eterna, Eterna (FD), Premier, Premier (FD), Select, Select (FD), Tiara, Empower Business, Corporate Platinum, Swavlamban, Prime, Elite, Platinum Select, Signature, Assure, Renaissance and the three Pragati RRB variants. → No Air or Non-Air Accidental Death Cover. Already gone on anything issued after 15 July 2026; existing cardholders keep it only until 25 August 2026.
BOBCARD's July revision notice has a quiet fourth clause, and it lands on 25 August 2026: the Air and Non-Air Accidental Death Cover comes off twenty product variants at once — not just new cards, but every card already in a wallet. Cards issued after 15 July 2026 never had it. Call it minor and mean it, because this desk does not price the perk and neither should you: air-accident death cover is the benefit every Indian issuer prints in bold and nobody ever claims, it pays only on death in a common carrier, and it costs the issuer almost nothing precisely because it almost never pays. Losing it changes no number on this site. What it signals is the direction: the same notice already moved the unlimited-domestic-lounge gate on Eterna, Eterna (FD), Tiara and Varunah Premium from ₹40,000 to ₹75,000 of preceding-quarter spend, and raised the finance charge on Eterna and Tiara from 3.25% to 3.75% a month. The insurance line is the third cut in one PDF, and it is the one that reaches cards nobody thought were being repriced. ON THE LOUNGE DATE, because BOBCARD published three answers and two of them are still live. The 12 June notice set the ₹75,000 gate for 15 July 2026. Four days later, on 16 June, BOBCARD issued an ADDENDUM — "This communication serves as an addendum to our earlier communication on Friday 12th June 2026" — that DEFERRED the lounge change alone: "₹40,000 in preceding calendar quarter" applicable till 30 September 2026, "₹75,000" from 1 October 2026, with the finance-charge and HPCL clauses left at 15 July. Then the operative Features and Rewards T&C dated 15 July 2026 — which POSTDATES the addendum — prints §5.1 Table1 as "Eterna / Unlimited / Rs. 75,000 in preceding calendar quarter", with no date qualifier and no ₹40,000 anywhere, and BOBCARD's product pages agree. The operative document governs, so ₹75,000 is what this desk carries on all four cards; the addendum is recorded here because a reader who reads the addendum and not the T&C will believe they have until October, ; the ₹75,000 gate is the one that applies.
- 5 Aug 2026Etihad Guest Gold now costs ₹10,000 on etihad.com, not one rupee
- 15 Jul 2026BOBCARD nearly doubles the spend gate on unlimited domestic lounges
- 5 May 2026Eterna's lifetime-free window rolls forward yet again
- 1 Apr 2026BOBCARD reprices rail, toll and app-routed education
- 5 Jan 2026BOBCARD and Etihad Guest deal two co-brands — the last pipe in
Every BOBCARD (Bank of Baroda) change we've dated → 6 events in 2026, 4 of them nerfs — worst year 2026.
Verified against BOBCARD (Bank of Baroda)'s own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official BOBCARD's product page — 'Zero Joining & Annual Fees', 2 reward points per ₹100 on all spends, the ₹0.20 redemption value and the guaranteed-issuance pitch
- official BOBCARD Product Features T&C (15 Jul 2026) — Prime's 2 RP per ₹100 core rate and the sentence excluding it from accelerated rewards
- official BOBCARD Key Fact Statement (17 Jul 2026) — the 3.5% foreign-currency fee that covers every card BOBCARD does not name in a lower band, and the shared 45% finance charge