Prime
Annual Fee
FREE
Rewards/₹100 ⓘ
₹0.25
Interest Rate
42.00%
At a Glance
Key Benefits
Lifetime free, 85% FD credit limit, fuel surcharge waiver
Lounge Access
No lounge access
Eligibility
Min FD: Rs 15,000, Age: 18-85, No credit score required
Quick Details
Reward Structure
All Spends
Reward Calculator
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions.
Fraud
₹0
Zero liability for unauthorized transactions.
Personal Accident
₹2,00,000
Personal accident cover included with the card.
Quick Analysis
The Prime is a straightforward lifetime free credit card from BOB Financial (BOBCARD). While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Best For
First-time users, those with no credit history, or anyone wanting a guaranteed approval card
Not Ideal For
Those seeking premium rewards or lounge access
Frequently Asked Questions
What is BOBCARD Prime?
What FD amount is required?
Is credit score needed for BOBCARD Prime?
What is the age limit for BOBCARD Prime?
Does BOBCARD Prime have fuel benefits?
User Reviews
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