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Bank of Baroda Lifetime Free Credit Card

Bank of Baroda Lifetime Free Credit Cards come at zero joining or annual fees. Cardholders can enjoy features and facilities such as reward points on spends, fuel surcharge waivers, EMI conversion, and multiple reward redemption options without paying annual charges. 

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What is a Bank of Baroda Lifetime Free Credit Card? 

Bank of Baroda offers lifetime free credit cards, where customers can apply for cards that come at zero joining and annual fees, making it an ideal choice for everyday spending. Cardholders can also earn reward points on online shopping, dining, groceries, and utility payments, fuel surcharge waivers, and easy EMI conversion options. 

BOB Lifetime Free Credit Cards 

The list of lifetime free credit cards offered by Bank of Baroda are given below along with their features and benefits: 

ICAI Exclusive BOBCARD 

Exclusive lifetime free card eligible for active members of ICAI. The features and benefits of ICAI Exclusive BOBCARD are given in the table below: 

Benefit Type

Details

Accelerated rewards

On spending every Rs.100 on dining, online and utility: 5X reward points (capped at 1000 reward points)

Travel benefits

  • 12 complimentary domestic airport lounge access (three per quarter), on minimum spend of Rs.40,000 in preceding calendar quarter;
  • 2% forex markup fee on international transactions

Welcome gift

Complimentary 12-month FITPASS PRO Membership worth Rs.48,000

Milestone rewards

  • On spend of Rs.5000 and above within 60 days: 500 reward points
  • On spending more than Rs.1 lakh or credit card’s limit: additional 4000 reward points per quarter

Fuel surcharge waiver

  • 1% for transaction between Rs.400 and Rs.5000
  • Maximum Rs.250 per statement cycle
  • No reward points on fuel transactions

Core reward points

For all other categories: One reward point

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ICSI DIAMOND Credit Card 

All active members of ICMAI are eligible to apply for ICSI can apply for these cards. The features and benefits of ICAI Exclusive BOBCARD are given in the table below: 

Features and Benefits

Details

Accelerated rewards

Every Rs.100 spent on dining, online transactions, and utility bills, earns 5X reward points.

Travel benefits

Offers complimentary 12 domestic airport lounge access (three every quarter). Note: Lounge access can be availed on spending a minimum of Rs.40,000 in the preceding calendar quarter.

Exclusive membership

Offers complimentary 12-months FITPASS PRO membership worth Rs.48,000.

Milestone rewards

On spending Rs.5000 or more within 60 days, get 500 reward points. On spending Rs.1 lakh or the credit card limit, get additional 3999 reward points per quarter.

Fuel surcharge waiver

  • 1% for transaction between Rs.400 and Rs.5000.
  • Maximum Rs.250 per statement cycle.
  • No reward points on fuel transactions.

Core reward points

On spending every Rs.100 on all other categories, the card offers two reward points.

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CMA One BOBCARD 

All active members of ICMAI are eligible to apply for CMA One BOBCARD. The features and benefits of ICAI Exclusive BOBCARD are given in the table below:

Features and Benefits

Details

Accelerated rewards

Every Rs.100 spent on dining, online transactions, and utility bills, earns 5X reward points.

Travel benefits

Offers complimentary 12 domestic airport lounge access (three every quarter). Note: Lounge access can be availed on spending a minimum of Rs.40,000 in the preceding calendar quarter.

Exclusive membership

Offers complimentary 12-months FITPASS PRO membership worth Rs.48,000.

Milestone rewards

On spending Rs.5000 or more within 60 days, get 500 reward points. On spending Rs.1 lakh or the credit card limit, get additional 4000 reward points per quarter.

Fuel surcharge waiver

  • 1% for transaction between Rs.400 and Rs.5000.
  • Maximum Rs.250 per statement cycle.
  • No reward points on fuel transactions.

Core reward points

On spending every Rs.100 on all other categories, the card offers two reward points.

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Indian Army YODDHA BOBCARD 

The designated Personnel of the Indian Army and Indian Army Veterans and Veer Nari and Cadet are eligible for this credit cards.  The features and benefits of ICAI Exclusive BOBCARD are given in the table below:

Features and Benefits

Details

Welcome gift

On spending Rs.5000 or more within 60 days, card offers 500 reward points.

Exclusive membership

  • Offers complimentary 12-months FITPASS PRO membership worth Rs.48,000.
  • On spending minimum Rs.1 lakh within 90 days, offers 12-months Amazon Prime Membership.

Travel benefits

  • Offers complimentary eight domestic airport lounge access (twice every quarter).
  • 24x7 assistance for concierge services for both domestic and international airports.

Note: Lounge access can be availed on spending a minimum of Rs.20,000 in the preceding calendar quarter.

Shopping delights

Offers 10 rewards points for every Rs.100 spent on shopping at the departmental stores across leading brands. Maximum 1000 reward points are capped per month.

Fuel surcharge waiver

  • 1% for transaction between Rs.400 and Rs.5000.
  • Maximum Rs.250 per statement cycle.
  • No reward points on fuel transactions.

Core reward points

On spending every Rs.100 on all other categories, the card offers two reward points.

Add-on cards

Up to three free add-on cards for spouses, parents, siblings, or kids above 18 years of age.

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BOBCARD VIKRAM: Credit Card for Defence Personnel 

Designated Personnel of our Defence Forces can apply for this lifetime free credit card. The features and benefits of ICAI Exclusive BOBCARD are given in the table below: 

Features and Benefits

Details

Welcome gift

On making the first transaction within the first 30 days of card issuance, the card offers three months JioHotstar subscription.

Shopping delights

Offers 10 rewards points for every Rs.100 spent on shopping at the departmental stores across leading brands. Maximum 1000 reward points are capped per month.

Fuel surcharge waiver

  • 1% for transaction between Rs.400 and Rs.5000.
  • Maximum Rs.250 per statement cycle.
  • No reward points on fuel transactions.

Core reward points

On spending every Rs.100 on all other categories, the card offers one reward point.

Add-on cards

Up to three free add-on cards for spouses, parents, siblings, or kids above 18 years of age.

Smart EMI options

Convert transactions of Rs.2,500 using the card into EMI of six to 48 months.

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Indian Coast Guard RAKSHAMAH BOBCARD 

Designated Personnel of the Indian Coast Guard and Indian Coast Guard Veterans are eligible for these cards. The features and benefits of ICAI Exclusive BOBCARD are given in the table below:

Features and Benefits

Details

Welcome benefit

On spending Rs.5000 or more within 60 days, card offers 500 reward points.

Exclusive membership

  • Offers complimentary 12-months FITPASS PRO membership worth Rs.48,000.
  • On spending minimum Rs.1 lakh within 90 days, offers 12-months Amazon Prime Membership.

Travel benefits

  • Offers complimentary eight domestic airport lounge access (twice every quarter).
  • 24x7 assistance for concierge service for both domestic and international airports.

Note: Lounge access can be availed on spending a minimum of Rs.20,000 in the preceding calendar quarter.

Shopping delights

Offers 10 rewards points for every Rs.100 spent on shopping at the departmental stores across leading brands. Maximum 1000 reward points are capped per month.

Add-on cards

Up to three free add-on cards for spouses, parents, siblings, or kids above 18 years of age.

Core reward points

Spending on all other categories, the card offers two reward points for every Rs.100.

Fuel surcharge waiver

  • 1% for transaction between Rs.400 and Rs.5000.
  • Maximum Rs.250 per statement cycle.
  • No reward points on fuel transactions.

Assam Rifles The SENTINEL BOBCARD 

This lifetime free credit card is applicable to the designated Personnel of the Assam Rifles and Assam Rifles Veterans. The features and benefits of ICAI Exclusive BOBCARD are given in the table below: 

Features and Benefits

Details

Welcome benefit

On spending Rs.5000 or more within 60 days, card offers 500 reward points.

Exclusive membership

  • Offers complimentary 12-months FITPASS PRO membership worth Rs.48,000.
  • On spending minimum Rs.1 lakh within 90 days, offers 12-months Amazon Prime Membership.

Travel benefits

  • Offers complimentary eight domestic airport lounge access (twice every quarter).
  • 24x7 assistance for concierge service for both domestic and international airports.

Note: Lounge access can be availed on spending a minimum of Rs.20,000 in the preceding calendar quarter.

Shopping delights

Offers 10 rewards points for every Rs.100 spent on shopping at the departmental stores across leading brands. Maximum 1000 reward points are capped per month.

Add-on cards

Up to three free add-on cards for spouses, parents, siblings, or kids above 18 years of age.

Core reward points

Spending on all other categories, the card offers two reward points for every Rs.100.

Fuel surcharge waiver

  • 1% for transaction between Rs.400 and Rs.5000.
  • Maximum Rs.250 per statement cycle.
  • No reward points on fuel transactions.
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Eligibility Criteria 

The customers should be an Indian resident to apply for Bank of Baroda lifetime free credit cards. The other eligibility criteria are mentioned in the table below: 

Credit Cards 

Eligibility Criteria 

ICAI Exclusive BOBCARD 

Age requirement for salaried and self-employed:

21 to 75 years for primary cardholder

18 years for add-on cardholders

Minimum Annual Income

Salaried: Rs.3.60 lakh

Self-employed: Rs.3 lakh 

ICSI DIAMOND Credit Card 

CMA One BOBCARD 

BOBCARD VIKRAM: Credit Card for Defence Personnel 

Age Requirement for Telangana Policeand MP Police

Primary cardholder: 18 to 60 years

Add-on: Above 18 years 

Indian Army YODDHA BOBCARD 

Age Requirement

Primary cardholder: 18 to 70 years

Add-on: Above 18 years 

Indian Coast Guard RAKSHAMAH BOBCARD 

Assam Rifles The SENTINEL BOBCARD 

Documents Required

The documents needed to apply for Bank of Baroda Lifetime Free credit cards are listed below:

  • KYC Documents
  • Photocopy of PAN card
  • Photocopy of ICAI Membership Card
  • Latest Salary Slip or Latest ITR OR (in case you have any other credit card, a copy of the same along with latest bill statement)
  • Proof of current residential address
  • One Recent Passport-size Photograph

To know about the documents required for a specific credit card, reach out to the bank by either visiting the branch or calling the customer care centre.

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How to Apply for Bank of Baroda Lifetime Free Credit Card?

Steps to apply for Bank of Baroda Lifetime Free credit card are mentioned below:

  1. Visit the Official BOBCARD Website
  2. Browse the available lifetime free credit cards offered by Bank of Baroda
  3. Click on the “Apply Now” option
  4. Fill out the online application form by entering details such as: Full name Mobile number Email ID Date of birth PAN details Employment type (salaried or self-employed) Income details Residential address
  5. Make sure all the information entered is accurate to avoid delays in processing your application
  6. Tick the check boxes at the bottom of the page
  7. Click on ‘Generate OTP’
  8. Submit the necessary documents for verification
  9. Complete the Aadhaar-based e-sign process
  10. Complete the Video KYC process

Once the verification process is completed, the bank reviews your application based on the bank’s criteria and will approve accordingly.

After approval, your Bank of Baroda lifetime free credit card will be dispatched to your registered address within seven to 10 working days.

Note: Certain specialised lifetime free cards may require additional documents depending on eligibility.

Alternative Ways to Apply for BOB Lifetime Free Credit Card

Apart from the online process, you can also apply for a Bank of Baroda lifetime free credit card through:

  • Visiting the nearest Bank of Baroda branch
  • Contacting bank representatives or relationship managers

The branch staff will guide you through the application form, document submission, and verification process.

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FAQs on Bank of Baroda Lifetime Free Credit Card

  1. Is there any hidden charge on BOB lifetime free credit cards?

    No, there are no hidden charges on BOB lifetime free credit cards. But late payment fees or cash withdrawals will apply like traditional credit cards. 

  2. Can I get add-on cards with a Bank of Baroda Lifetime Free Credit Card?

    Yes, many Bank of Baroda lifetime free credit cards allow add-on cards for family members, such as spouses, parents, or children above 18 years, often at no additional annual cost.  

  3. Do Bank of Baroda Lifetime Free Credit Cards offer reward points?

    Yes, lifetime free BOBCARD offers reward points on categories, such as online shopping, dining, grocery purchases, and utility bill payments. 

  4. How can I redeem reward points earned on my BOBCARD?

    You can redeem the reward points earned on my BOBCARD, logging into the BOBCARD portal or BOBCARD app. 

  5. Can I manage my Bank of Baroda Lifetime credit card online?

    Yes, cardholders can manage their credit cards through the BOBCARD mobile app or customer portal. Customers can check statements, redeem rewards, track transactions, and manage card settings. 

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