The Bank of Baroda Prime Credit Card offers guaranteed issuance against a Fixed Deposit (FD) of ₹15,000 or more, eliminating the need for income proof during the application process. It provides cashback on all your spends, ensuring rewards for every purchase you make. With this credit card, you can enjoy the benefit of zero fuel surcharge on fuel transactions. Additionally, there are no first-year fees or annual fees, providing you with cost-saving advantages. Apply for the Bank of Baroda Prime Credit Card today and experience its valuable features and benefits.
Key Features of the Bank of Baroda Prime Credit Card:
Guaranteed Issuance:
You can easily obtain the Bank of Baroda Prime Credit Card by securing it against a fixed deposit of ₹15,000 or more. No income proof is required for this process.
Cashback on All Spends:
Earn rewards on your transactions with the Prime Credit Card. Get 1 reward point for every ₹100 spent on select Merchant Category Codes (MCCs) and 2 reward points for every ₹100 spent on all other MCCs.
Lifetime Free Card:
The Prime Credit Card comes with the benefit of being lifetime free, meaning there are no first-year fees or annual fees to worry about.
Fuel Surcharge Waiver:
Enjoy a 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5,000. The maximum waiver amount per month is ₹250. Please note that fuel transactions do not earn reward points.
Multiple Redemption Options:
You have the flexibility to redeem your accumulated reward points as cashback or choose from other exciting redemption options available.
Easy EMI Option:
Convert purchases of ₹2,500 or more made with your Prime Credit Card into convenient EMIs of 6 or 36 months, allowing you to manage your expenses comfortably.
The Bank of Baroda Prime Credit Card provides you with a range of benefits, including cashback on spends, a fuel surcharge waiver, lifetime free card status, easy EMI options, and more. Apply now and start enjoying these advantages.
Benefits of Bank of Baroda Prime Credit Card
Free Add-on Card:
You can avail up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children above the age of 18. This allows your family members to enjoy the benefits of the Bank of Baroda Prime Credit Card.
In-built Insurance Cover:
With the Prime Credit Card, you receive a free Personal Accidental Death Cover, providing financial protection for your family in case of unfortunate events.
Zero Liability on Lost Card:
In the event of a lost card, report it immediately to ensure zero liability on any fraudulent transactions. This feature helps safeguard you from unauthorized charges.
Interest-Free Credit Facility:
Enjoy the benefit of up to 50 days of interest-free credit from the date of any purchase made with your Prime Credit Card. This allows you to manage your expenses more effectively.
Revolving Credit Facility:
The Prime Credit Card provides the convenience of a revolving credit facility. You can choose to pay the Minimum Amount Due and finance your spends according to your preferences and financial capability.
The Bank of Baroda Prime Credit Card offers additional advantages, including free add-on cards, insurance coverage, zero liability on lost cards, interest-free credit, and a revolving credit facility. Apply for this credit card today to experience these features and make the most of your financial transactions.
Fees and Charges
The Bank of Baroda Prime Credit Card has a fee structure as follows:
First Year Fee: There is no fee charged for the first year of owning the credit card.
Annual Fee: There is no annual fee charged for the Bank of Baroda Prime Credit Card.
In summary, the credit card has no first-year fee and no annual fee, providing you with a fee-free experience in the first year and subsequent years of card ownership.
Frequently Asked Questions (FAQs) about the Bank of Baroda Prime Credit Card:
1. How can I apply for the Bank of Baroda Prime Credit Card?
You can apply for the Prime Credit Card by visiting the Bank of Baroda website or contacting their customer service. The application process typically involves submitting the required documents and fulfilling the eligibility criteria.
2. Is there any fee for the first year or subsequent years?
No, there is no fee charged for the first year of owning the Prime Credit Card, and there is no annual fee in subsequent years. The card is offered without any upfront or recurring charges.
3. What benefits does the Prime Credit Card offer?
The Prime Credit Card provides cashback on all your spends, a fuel surcharge waiver, multiple redemption options for reward points, a free add-on card facility, in-built insurance cover, zero liability on lost cards, and interest-free credit facility.
4. How can I report a lost card?
If your Prime Credit Card is lost, it is important to report it immediately to the Bank of Baroda customer service. Reporting the loss promptly ensures zero liability on any fraudulent transactions made using the card.
Conclusion:
The Bank of Baroda Prime Credit Card is a feature-rich credit card that offers a range of benefits including cashback on spends, a fuel surcharge waiver, in-built insurance cover, zero liability on lost cards, and interest-free credit facility. With no first-year fee and no annual fee, the Prime Credit Card provides a cost-effective solution for your financial needs. Apply for the Bank of Baroda Prime Credit Card today and enjoy its exclusive features and rewards.
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