Can I get a Bank of Baroda credit card against FD?

The Bank of Baroda provides the BOBCARD PRIME Credit Card on an applicable fixed deposit of ₹30,000 or above. It is offered to customers who might lack income documentation, and guaranteed issuance of cards is provided as per the relevant eligibility requirements, terms and conditions.

What is the minimum amount of FD required to have a Bank of Baroda credit card?

The minimum FD amount required for the BOBCARD PRIME is ₹30,000. Guaranteed issuance is made without any income documentation against the eligible FD, subject to terms. The applicants should also meet the KYC and other BOBCARD requirements before the card is issued.

What is the credit limit of BOB FD-backed credit card?

BOBCARD PRIME is issued against an FD of ₹30,000 or more, with the credit limit determined as per applicable bank terms. It offers a secured credit facility, which is linked to the FD, thus being an alternative for customers who want to have a credit card without necessarily depending on the traditional income requirement to be eligible.

Does the Bank of Baroda FD continue to earn interest?

The FD remains subject to the applicable Bank of Baroda deposit terms while being held as security for the card. The applicable BOB FD interest rate depends on the deposit type and tenure. The interest rate and tenure should be checked by the customers before they apply because they can vary according to the deposit chosen.

Is income proof required for a BOB credit card against fixed deposit?

No. According to BOB, the PRIME Credit Card provides guaranteed issuance without income documents on a suitable FD. The minimum FD required is ₹30,000, but applicants are also supposed to provide the required KYC documents and meet the requirements.

What are the fees for the BOBCARD PRIME?

BOBCARD PRIME now has no joining or annual fees. Earn 2 reward points per ₹100 spent on eligible categories and fuel surcharge waived to a maximum value of ₹250 per statement cycle, based on the terms and exclusions.

How many reward points does BOBCARD PRIME offer?

BOBCARD PRIME earns 2 reward points on every ₹100 spent on relevant categories. The card also offers 500 welcome reward points whenever the cardholder spends ₹5,000 within 60 days of the card being issued. The reward points can be converted into cashback at ₹0.20 per point.

Bank of Baroda Credit Card Against FD

Bank of Baroda offers the BOBCARD PRIME Credit Card, a free-for-life card secured by a fixed deposit. It is designed for easy approval without requiring any proof of income. By opening a fixed deposit of ₹30,000 or more, cardholders get guaranteed approval along with reward points on daily purchases, savings on fuel fees, and easy monthly payment options for large purchases.

Why Choose Bank of Baroda FD Credit Card?

No Income Proof Required

Your FD is the security — no salary slips or credit history needed

Credit Limit Up to 90% of Your FD

Higher your deposit, higher your spending power

Build Your Credit Score

Timely payments help you establish or repair your credit history

15 Lakh Families Secured

13,50,000 Crore of Life Cover Assured

Customer Rating

4.8⁺⁺

Get Guaranteed returns upto 7.4%*

Fully Tax-Free, Life Cover Included

+91

View Plans

Your personal information is secure with us

By continuing you agree to receive assistance and agree to our Privacy Policy, Terms of Use & +Disclaimers

We are rated⁺⁺

17.3 Crore

Registered Consumer

Insurance Partners

7.7 Crore

Policies Sold

Explore plans

Key Highlights of Bank of Baroda Credit Card Against FD

The table below highlights the key features, minimum deposit, fees, rewards and other important details of the Bank of Baroda Credit Card Against FD:

Feature	Details
Card Variant Name	BOBCARD PRIME
Minimum FD Amount	₹30,000
Credit Limit	Based on the eligible FD and applicable bank terms
Joining Fee	Nil
Annual Fee	Nil
Interest-Free Period	20 to 50 days, subject to applicable conditions
FD Interest Earned	As per applicable Bank of Baroda FD terms
Income Proof Required?	No

*Card terms and benefits updated and as verified in September 2026.

Bank of Baroda Secured Credit Card Variants & Credit Limits

BOBCARD PRIME is issued on an eligible fixed deposit of ₹30,000 or above, and the credit limit will be based on the value of the FD and bank conditions. A credit card against FD provides access to credit while regular repayments may help customers to build a credit history.

Card variant	Minimum FD	Joining fee	Annual fee
BOBCARD PRIME	₹30,000	Nil	Nil

Why Choose a Credit Card Against FD from Bank of Baroda?

The BOBCARD PRIME provides the following benefits on eligible transactions:

Reward points: Get 2 reward points with every ₹100 spent on eligible categories.
Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, up to ₹250 per statement cycle.
Smart EMI: Convert purchases above ₹2,500 into Smart EMIs for 6 to 48 months.
Free add-on cards: Receive up to 3 lifetime-free add-on cards for your spouse, parents, siblings or children over 18 years of age.
Cashback redemption: Receive accumulated reward points in the form of cashback. 1 reward point = ₹0.20.
Zero liability: Report a lost card as soon as possible to be assured of zero liability on qualified fraudulent transactions.
Contactless payments: Use the card's contactless wireless chip technology to make faster and more secure payments.

Eligibility Criteria for Bank of Baroda FD-Backed Credit Card

Bank of Baroda credit card against FD eligibility criteria are:

Minimum FD: Customers need to maintain an FD of at least ₹30,000.
Income: No income evidence is needed to ensure issuance against the qualified FD.
Age: The main cardholder should be aged between 18 and 85 years.
CIBIL: Guaranteed issuance is subject to the exception for CIBIL-delinquent customers and applicable terms.
Resident status: Applicants should meet the applicable customer and KYC requirements of BOBCARD.
Existing FD: The qualified fixed deposit should comply with the relevant terms of Bank of Baroda/BOBCARD.

Documents Required for BOB FD-Backed Credit Card

The applicants may be asked to provide:

PAN card
Recent passport-size photograph
Authentic identity and address documents, e.g. Aadhaar, passport, voter ID or driving licence.
FD details
Any additional KYC documents requested by BOBCARD

The current BOBCARD PRIME application rules specifically mention a recent passport-size photograph and a PAN card as some of the required proofs, as well as relevant address documentation.

How to Apply for Bank of Baroda Credit Card Against FD

In order to apply for a Bank of Baroda credit card against FD, applicants can choose to use the online or offline application process depending on their convenience.

Online Process

A Bank of Baroda customer can follow the steps below to apply online for the BOBCARD PRIME Credit Card:

Maintain an FD: The customer should have an eligible Bank of Baroda FD.
Check eligibility: Check the FD amount and eligibility criteria.
Apply online: Use the BOBCARD application channel.
Submit documents: Provide KYC and PAN documents.
Complete verification: BOB checks your information and FD.
Get the card: Once approved, get the PRIME Credit Card.

Offline Process

Customers can also apply for the BOBCARD PRIME Credit Card at a Bank of Baroda branch. The process involves the following steps:

Maintain an FD: Hold an eligible Bank of Baroda FD.
Visit a branch: Visit a Bank of Baroda branch.
Check eligibility: Check the relevant eligibility requirements.
Submit the form: Complete the form and provide KYC documents.
Complete verification: BOB verifies your application and FD.
Get the card: Receive the PRIME Credit Card on approval.

FAQs

Can I get a Bank of Baroda credit card against FD?

The Bank of Baroda provides the BOBCARD PRIME Credit Card on an applicable fixed deposit of ₹30,000 or above. It is offered to customers who might lack income documentation, and guaranteed issuance of cards is provided as per the relevant eligibility requirements, terms and conditions.
What is the minimum amount of FD required to have a Bank of Baroda credit card?

The minimum FD amount required for the BOBCARD PRIME is ₹30,000. Guaranteed issuance is made without any income documentation against the eligible FD, subject to terms. The applicants should also meet the KYC and other BOBCARD requirements before the card is issued.
What is the credit limit of BOB FD-backed credit card?

BOBCARD PRIME is issued against an FD of ₹30,000 or more, with the credit limit determined as per applicable bank terms. It offers a secured credit facility, which is linked to the FD, thus being an alternative for customers who want to have a credit card without necessarily depending on the traditional income requirement to be eligible.
Does the Bank of Baroda FD continue to earn interest?

The FD remains subject to the applicable Bank of Baroda deposit terms while being held as security for the card. The applicable BOB FD interest rate depends on the deposit type and tenure. The interest rate and tenure should be checked by the customers before they apply because they can vary according to the deposit chosen.
Is income proof required for a BOB credit card against fixed deposit?

No. According to BOB, the PRIME Credit Card provides guaranteed issuance without income documents on a suitable FD. The minimum FD required is ₹30,000, but applicants are also supposed to provide the required KYC documents and meet the requirements.
What are the fees for the BOBCARD PRIME?

BOBCARD PRIME now has no joining or annual fees. Earn 2 reward points per ₹100 spent on eligible categories and fuel surcharge waived to a maximum value of ₹250 per statement cycle, based on the terms and exclusions.
How many reward points does BOBCARD PRIME offer?

BOBCARD PRIME earns 2 reward points on every ₹100 spent on relevant categories. The card also offers 500 welcome reward points whenever the cardholder spends ₹5,000 within 60 days of the card being issued. The reward points can be converted into cashback at ₹0.20 per point.