BOB FD Credit Card: Features, Eligibility & How to Apply Online?

Bank of Baroda issues secured credit cards to its FD customers who cannot provide sufficient proof of income for commercial cards. This BOB FD credit card comes with an attractive reward point structure, insurance cover, fuel waiver benefits and a lot more. If you own this card, it can help improve your credit score while you continue earning interest on your fixed deposit investment. 

Features and Benefits of Bank of Baroda Credit Card Against FD

The main features of a BOB FD credit card include:

• Zero requirement of income proof
• Lifetime free card access as the owner does not have to pay any registration or annual fee
• A maximum of 50-day interest-free repayment period starting from the date of purchase
• Three complimentary add-on cards for your spouse, parents, kids or siblings (above 18 years of age)
• Free accidental death cover for the cardholder to consolidate their family’s financial status 
• Zero charges on card replacement (if reported to the bank authorities immediately)

BOB FD Credit Card Requirements

The BOB FD credit card eligibility criteria have been given below:

• The applicant must be between 18-65 years of age.
• They need to be Indian by birth.
• Both salaried and self-employed individuals can opt for a BOB Prime credit card against their fixed deposit accounts.

Bank of Baroda FD Credit Card Application Procedure

You can follow the steps given below to apply for a BOB FD credit card online:

Step 1: Visit the official BOB website and choose the option ‘Apply Now’.

Step 2: Provide the basic details like name, DOB, personal email address and so on. 

Step 3: Upload the required documents and proceed to complete the KYC verification. 

Step 4: E-sign your application. 

Step 5: Finally, click on Submit. 

After you complete all the steps, you get an acknowledgement slip. A designated bank official then contacts you within a few working days to further process your application. 

For offline applications, you must reach out to the nearest branch to secure your BOB FD credit card. Before visiting, make sure to carry all the necessary documents. Plus, you must open a fixed deposit account of at least ₹15,000 to be eligible for a credit card against FD. 

Documents Needed for a BOB FD Credit Card

The necessary documents for applying for a BOB Prime card are as follows:

• ID Proof: This can be your Aadhaar card, passport, PAN card, driving licence, State or Central Government-issued photo ID or defence ID card. 
• Address Proof: For this, you can submit your ration card, Aadhaar card, bank account statement, voter's ID card, any utility bill and so on. 

Additional Benefits of Prime BOB Card Users

Some special benefits are reserved exclusively for Bank of Baroda FD credit card users. These include: 

Core Reward Points: If you spend money via your Prime credit card on things that fall under ‘other categories’, then you will get 2 Reward Points per each ₹100 spent. 

Fuel Surcharge Waiver: Cardholders are eligible for a 1% fuel surcharge waiver across all pump stations situated in India. However, this offer is applicable only if the bill amount falls between ₹400 and ₹5,000. Additionally, no Reward Points will be credited against fuel transactions. 

Smart EMI Facility: With a BOB FD credit card, you can convert any transaction above ₹2,500 into Smart EMIs of 6 to 48 months. 

Like this, if you are looking for smart funding-cum-investment options, download Stable Money. Through our platform, we provide our customers with RBI-approved fixed deposits that guarantee up to 9.10% interest per annum and exclusive RuPay credit cards against it. 

You can compare the latest bank FD rates from our website and make a well-informed investment decision from the comfort of your home. 

Contactless Secure Payments: BOB Prime cards are designed with a wireless advanced chip technology that allows quick, secure and convenient transactions. While using it, all you have to do is hold the card close to a reader and within a few seconds your payment will be completed. Also, you won’t be required to enter the card PIN for a single transaction up to ₹5,000. 

Free Add-on Cards: BOB FD-backed credit card customers can get up to three complementary add-on cards for their spouse, parents, children or siblings. These cards do not have an expiry date and can be used by someone who is above 18 years old. 

While top-tier FD credit cards like the BOB Prime Card matter a lot, smart investing is more important for people dedicated to wealth creation. If you have similar goals, you can boost your FD returns strategically with Stable Money. 

Find and compare India's top FD providers and start your investment journey on our app!