BOB Secured Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Bank of Baroda
Network: Visa | Tier: Entry
FD backed card
Why Choose the BOB Secured Credit Card?
The BOB Secured Credit Card is a Entry-tier Visa credit card issued by Bank of Baroda, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Low credit users. With a reward rate of None and an annual fee of NIL, it ranks among the popular Secured cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
BOB Secured Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
BOB Secured Credit Card Rewards & Benefits
| Reward Rate | None |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Low credit users |
Key Highlights of the BOB Secured Credit Card
- FD backed card
BOB Secured Credit Card Eligibility Criteria
- Age: 18+ years
- CIBIL score: 650+
Minimum Income Required: As per bank policy
Advantages of the BOB Secured Credit Card
- Guaranteed approval
Drawbacks of the BOB Secured Credit Card
- Basic rewards
BOB Secured Credit Card — Frequently Asked Questions
What is the annual fee of the BOB Secured Credit Card?
The BOB Secured Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the BOB Secured Credit Card offer airport lounge access?
No, the BOB Secured 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 Secured Credit Card?
The minimum income requirement is As per bank policy. 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 Secured Credit Card?
The BOB Secured Credit Card earns None. It is best suited for Low credit users.
Credit Cards Similar to the BOB Secured Credit Card
If you are considering the BOB Secured Credit Card, these secured credit cards are worth comparing before you apply:
- Axis Insta Easy Credit Card by Axis Bank — rated 4.3/5, NIL annual fee
- IDFC FIRST Wow Credit Card by IDFC First Bank — rated 4.3/5, NIL annual fee
- Instant Platinum Credit Card by ICICI Bank — rated 4.2/5, NIL annual fee
- AU Secured Credit Card by AU Small Finance Bank — rated 4.2/5, NIL annual fee
Expert Rating: 4.2/5