Bank of Baroda Lifetime Free Credit Card

The Bank of Baroda Prime credit card is a secured credit card issued against a fixed deposit of Rs. 15,000 or more. The prominent features of the credit card are given below.

Features and Benefits

• No Joining Fee
• Earn 1% cashback on all spends
• No income proof require Card will be issued against fixed deposit of 15,000 or more
• Earn 4 reward points for every 100 spent
• 1% fuel surcharge waived for all transactions between 400 to Rs. 5,000.Maximum waiver of Rs. 250 is allowed per month
• Convert transactions over 2,500 into easy EMIs of 6 or 12 months
• Multiple redemption option allowing  the cardholder to redeem reward points as cashback or other options
• Get upto 3 lifetime free add-on cards for immediate family members (spouse, son/daughter, father, and mother)
• Zero liability on lost card
• Get free personal accidental death cover
• Get up to 50 days of interest free credit facility
• Get revolving credit facility bypaying only the minimum amount due

Eligibility Criteria:

The applicant must be over 18 years but below 65 years of age. Besides this, customer must meet the eligibility criteria related to city of residence, occupation, etc. Since this is a secured credit card the bank will not seek income proof. Other requirements will be shared when customer shows interest in applying for the credit card.

Documents Required:

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement

Bank of Baroda currently offers only one Lifetime free credit card called Bank of Baroda Prime Credit Card. Customers can apply for the card by visiting BOB Financial website or the nearest Bank of Baroda branch.

Online application will result in a representative from the bank calling the customer to set a date and time for document collection. Afterwards, the bank will review the same. Upon qualification the bank will dispatch the credit card which should reach the customer within 7 working days.

Does the add-on cardhave a separate card limit?

No, the add-on card member shares the same credit limit as assigned to primary card holder.

What are the Finance Chargeson lifetime free credit card?

The finance charge is the interest applied on the balance not cleared by the due date of the credit card bill. It is 3.25 % per month or 39.00% p.a.

I have low CIBIL score. Will I get Bank of Baroda Credit card?

Yes, customers can apply for Bank of Baroda Prime Credit Card which is a secured credit card. The bank won’t ask for income proofs.

How can I check my Bank of Baroda credit card application status?

Customers can track their application by calling on the Bank of Baroda customer care helpline number – 1800 223 224. Service cannot be availed on Saturdays and Sundays. Alternate ways to know application status can be found here.

I don’t have a Bank of Baroda account. Will I get a Bank of Baroda lifetime free credit card?

In order to get a lifetime free credit card you will have to open a fixed deposit account in Bank of Baroda. If you don’t want to open any account then you may want to apply for an unsecured credit card.