Bank of Baroda PRIME Credit Card VS Bank of Baroda VIKRAM Credit Card VS BOBCARD ICSI Diamond Credit Card VS BOBCARD Premier Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Bank of Baroda PRIME Credit Card
Bank of Baroda VIKRAM Credit Card
BOBCARD ICSI Diamond Credit Card
BOBCARD Premier Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Lifetime free card with zero joining and zero annual renewal fees forever.
Guaranteed issuance against a fixed deposit, no income documentation required.
RuPay network enables direct UPI integration for convenient merchant payments.
Simple flat reward rate of 2 points per ₹100 on most spending categories.
Zero liability protection ensures complete fraud cover if card loss is reported promptly.
Pros
Key benefits and features.
Lifetime free with no joining or annual fees, making it a zero-cost credit card.
1% fuel surcharge waiver across all fuel stations in India.
Free personal accidental death cover of ₹20,00,000 for financial protection.
Complimentary 3-month JioHotstar subscription as a welcome benefit.
Pros
Key benefits and features.
Lifetime free card with zero joining and annual fees, offering great value.
Accelerated 5x Reward Points on dining, online, and utility bill payments.
Enjoy 12 complimentary domestic airport lounge accesses annually for travel convenience.
Reduced foreign currency markup of 2% makes international transactions more affordable.
Comprehensive insurance coverage provides financial security for cardholders.
Pros
Key benefits and features.
Currently available as a lifetime free credit card (limited-time offer) with a decent reward rate.
Offers free domestic airport lounge access across the country.
Provides 5X reward points on travel, dining, and international spending.
Beneficial for taking advantage of various BOBCARD Credit Card offers.
Includes a fee waiver on milestone spends for the paid version.
Cons
Key drawbacks and limitations.
Low reward rate of only 0.4% cashback (2 points per ₹100 at ₹0.20 each).
No lounge access, travel perks, or lifestyle benefits like dining or movie offers.
Fuel transactions are excluded from earning any Reward Points.
No milestone benefits or spend-based bonus rewards to accelerate earnings.
Key charges like interest rates and forex markup are not transparently disclosed.
Cons
Key drawbacks and limitations.
5X rewards are capped at a low 1,000 points per month, limiting accelerated earnings.
No airport lounge access or golf benefits, reducing travel and lifestyle appeal.
Fuel transactions do not earn any reward points.
The fuel surcharge waiver is capped at ₹250 per statement cycle.
Cons
Key drawbacks and limitations.
5x accelerated rewards are capped at 1000 Reward Points per statement cycle.
Complimentary lounge access will become spend-based from January 1, 2025.
No Reward Points are earned on fuel transactions, limiting benefits in this category.
UPI transactions only earn core Reward Points, missing out on bonus rewards.
Card is exclusively available only for active members of The Institute of Company Secretaries of India.
Cons
Key drawbacks and limitations.
High 3.5% foreign currency markup fee, despite accelerated international spend rewards.
Accelerated 5X Reward Points are capped at 2,000 points per month in specific categories.
Complimentary lounge access will become conditional on minimum spends from January 1, 2025.