BOB Prime Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Bank of Baroda
Network: Visa | Tier: Entry
The BOB Prime Credit Card is an Entry Visa credit card issued by Bank of Baroda, best suited for beginners. It carries a joining fee of ₹499, with an interest rate of 3.49% per month. Key benefits include Reward card and Reward points. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,00,000/year to qualify. It falls under the Entry-level and Fuel category on CreditCardHunt.
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Why Choose the BOB Prime Credit Card?
The BOB Prime Credit Card is a Entry-tier Visa credit card issued by Bank of Baroda, rated 4.1/5 by the Credit Card Hunt editorial team. It is best suited for Beginners. With a reward rate of Reward points and an annual fee of ₹499, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year and helps recover the ₹499 joining fee.
BOB Prime Credit Card Fees & Charges
| Annual Fee | ₹499 |
|---|---|
| Joining Fee | ₹499 |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
BOB Prime Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Beginners |
Key Highlights of the BOB Prime Credit Card
- Reward card
- Reward points
BOB Prime Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the BOB Prime Credit Card
- Low fee — a highlight among Bank of Baroda's entry lineup.
Drawbacks of the BOB Prime Credit Card
- Basic perks may not suit every applicant.
BOB Prime Credit Card — Frequently Asked Questions
What is the annual fee of the BOB Prime Credit Card?
The BOB Prime Credit Card has an annual fee of ₹499 and a joining fee of ₹499. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the BOB Prime Credit Card offer airport lounge access?
No, the BOB Prime Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the BOB Prime Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the BOB Prime Credit Card?
The BOB Prime Credit Card earns Reward points. It is best suited for Beginners.
Credit Cards Similar to the BOB Prime Credit Card
If you are considering the BOB Prime Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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- Read our credit card guides & FAQ.
Expert Rating: 4.1/5