By Manan Singh
Updated On March 15, 2024

Credit cards are a great financial tool for people and allow them to make spends all while earning rewards and other benefits. You will find various types of credit cards ranging from entry-level to super-premium ones. Not all of us can afford to get the high-end credit cards, and for someone who is new to the credit scene, it is better to start off with a beginner level card.

Many top credit card issuers in our country, including Bank of Baroda, offer various lifetime free credit cards that do not charge any joining or renewal fee from customers. If you are not looking for premium rewards and benefits, and just want a card to get used to credit and build your credit score and profile, then you should go for a lifetime free credit card for sure.

BOB lifetime free card post

Bank of Baroda has decent credit cards in every category. Be it travel secured credit card, shopping, fuel, or anything else, you will surely find a card that suits your needs and spending habits. In this article, we will read about the best Bank of Baroda lifetime free credit cards –

Table of Contents

Bank of Baroda Lifetime Free Credit Cards

The following are the best lifetime free credit cards offered by Bank of Baroda –

Bank of Baroda Prime Credit Card

(4.1/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

NA

Bank of Baroda Easy Credit Card

(4.6/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

NA

Bank-of-Baroda-Varunah-Credit-Card

(4.5/5)

Fees

Joining Fee

Nil (for Varunah Card),Rs. 1,499 (for Varunah Plus Card)Rs. 2,499 (for Varunah Premium Card)

Renewal Fee

Nil (for Varunah Card),Rs. 1,499 (for Varunah Plus Card)Rs. 2,499 (for Varunah Premium Card)

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Complimentary Amazon Prime & Zomato Pro membership for one year and Fitpass Pro membership for 6 months (with Varunah Plus and Varunah Premium Credit Card), and 1,000 bonus Reward Points with the Varunah Premium Card.

Indian Army Yoddha BoB Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Get 6-month complimentary Fitpass Pro membership and free Zomato Pro membership on activating the card within 30 days of issuance.

Bank of Baroda Sentinel Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Get complimentary Flit Pass Pro membership, Get 1,000 bonus Rewards, and free Zomato Pro membership on activating your card within the first 30 days.

ICAI-Bank-of-Baroda-Exclusive-Credit-Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Get complimentary Fit Pass Pro membership for 6 months and 1,000 bonus Reward Points.

Bank-of-Baroda-ICSI-Diamond-Credit-Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Get free Fit Pass Pro membership for 6 months and 1,000 bonus Reward Points.

BoB-CMA-One-Credit-Card

(4.5/5)

Fees

Joining Fee

Re. 1

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Get 6-months complimentary Fit Pass Pro membership and 1,000 bonus Reward Points.

Bank of Baroda Swavlamban Credit Card

(4.5/5)

Fees

Joining Fee

NilRs. 250 (for non-delinquent cardmembers)

Renewal Fee

NilRs. 250 (for non-delinquent cardmembers)

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

NA

Bank of Baroda ConQR Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

NA

Bank of Baroda Lifetime Free Credit Card Details

BoB Prime Credit Card

The BoB Prime credit card is a secured credit card that comes without any joining or annual fee. It is a lifetime free card, but you have to make a fixed deposit of at least Rs. 15,000 with the bank in order to get the card. The reward rate on the card is quite decent offering 4 reward points per Rs. 100 spent with the card that can be redeemed against a host of different options. Other privileges you get include fuel surcharge waiver, insurance cover, etc. It is the perfect credit card for those who don’t have a credit history and want to develop a decent credit score.

  • Lifetime free secured credit card against a FD of Rs. 15,000
  • 4 reward points per Rs. 100 spent with the card
  • 1% fuel surcharge waiver
  • Personal accident insurance coverage
  • Zero liability protection in case of lost or stolen credit card

BoB Easy Credit Card

As the name of the credit card suggests, it is easy to get the BoB Easy credit card as it is a lifetime free credit card without any renewal or joining fee. If you want to get a credit card with decent rewards and benefits without paying a hefty sum of money, then this is the card for you. You can earn reward points on almost all your daily spend categories. With this card, you can get 5 reward points per Rs. 100 spent on groceries, movies, departmental spends, etc. Apart from this, you even get 0.5% cashback on the payment of your credit card bill. There are not many other travel or other privileges offered by the card but it is still great for a lifetime free credit card.

  • Lifetime free card for a limited time
  • Accelerated 5x reward points on spend categories like movies, departmental store, groceries, and more
  • 1 reward point per Rs. 100 spent on other categories
  • 1% fuel surcharge waiver
  • Zero liability protection in case of lost or stolen credit card

BoB Varunah Credit Card

The BoB Varunah credit card comes in three variants, the basic Varunah, the Varunah Plus, and the Varunah Premium. The basic Varunah card is the lifetime free variant while the other two come at a joining and annual fee. You can earn up to 5 reward points per Rs. 100 spent on categories like departmental store and groceries, and 1 reward point per Rs. 100 spent elsewhere. You can redeem reward points as cashback and convert your big spends easily into EMIs. Moreover, you get a 1% fuel surcharge waiver but you do not get any reward points for your spends on fuel. The card offers accidental death insurance and interest free credit up to a period of 50 days.

  • Lifetime free credit card without any joining or annual fees
  • 5x reward points on groceries and departmental spends
  • 1 reward point per Rs. 100 spent elsewhere
  • 1% fuel surcharge waiver
  • Accidental death insurance and family financial protection
  • Up to 50 days interest free credit period

Indian Army Yoddha BoB Credit Card

The Indian Army Yoddha BoB credit card is exclusively meant for the Indian Army, the heroes who work hard and put their lives in danger to protect our country. This is a lifetime free credit card and has many privileges across travel, shopping, golf, reward points, and much more. With this card, you can earn 10 reward points per Rs. 100 spent with the card and 2 RPs per Rs. 100 spent elsewhere. As a welcome benefit, you get free Zomato Pro membership and 6-month Fit Pass Pro membership. Other top privileges which you get with the card include complimentary lounge access and golf rounds every year.

  • Lifetime free credit card without any joining or annual fees
  • Zomato Pro and 6-month Fitpass Pro membership as a welcome benefit
  • Up to 10 RPs per Rs. 100 spent with the card
  • Complimentary domestic lounge access per year
  • Complimentary golf games per year
  • Free Amazon Prime membership on reaching the target spend milestone
  • Personal accident insurance cover
  • 1% fuel surcharge waiver

Bank of Baroda Sentinel Credit Card

Launched exclusively for Assam Rifles personnel, the Bank of Baroda Sentinel credit card is similar to the Indian Army Yoddha BoB credit card when it comes to benefits and features. The card is lifetime free and doesn’t charge any joining or annual fees from the cardholder. The reward rate on the card is pretty decent and you get up to 10 reward points per Rs. 100 spent with the card. The reward points can be redeemed against various choices and also for cashback. The card even offers a 6-month Fit Pass Pro and Zomato Pro membership as a welcome benefit. Other than this, you can enjoy complimentary lounge access, fuel surcharge waiver, and complimentary golf rounds.

  • Bonus 1000 reward points and Zomato Pro membership as welcome benefit
  • Complimentary 6-month FitPass Pro membership
  • 10 reward points per Rs. 100 spent with the card
  • Complimentary Amazon Prime membership on reaching the spend milestone
  • Complimentary domestic lounge access per year
  • Complimentary golf rounds and golf lessons per year
  • 1% fuel surcharge waiver

ICAI Bank of Baroda Exclusive Credit Card

The ICAI Bank of Baroda Exclusive credit card is exclusively for ICAI members and is a lifetime free credit card without any joining or annual fees. The card is similar to many other BoB exclusive cards and offers 1000 reward points and FitPass Pro membership as a welcome benefit. On reaching the target spend milestone, you get up to 16000 bonus reward points. The card offers several other benefits that include complimentary lounge access, fuel surcharge waiver, insurance benefits, etc. If you are someone who regularly makes foreign currency spends, the card has a low forex markup fee of 2% of the transaction amount.

  • 6-month FitPass Pro and bonus 1000 reward points as a welcome benefit
  • 5 reward points per Rs. 100 spent
  • Bonus 4000 reward points on reaching the spend milestone per quarter
  • Complimentary domestic lounge access
  • 1% fuel surcharge waiver
  • Low forex markup fee of 2%

Bank of Baroda ICSI Diamond Credit Card

The ICSI Diamond Credit Card is similar to the ICAI Exclusive credit card, but this one is just for the ICSI members. Again, this is a lifetime free credit card and has many privileges and benefits on offer for the cardholders. You can earn 5 reward points per Rs. 100 spent with the card and get a complimentary FitPass Pro membership and bonus 1000 reward points as a welcome benefit. Cardholders also get access to airport lounges, milestone benefits, insurance benefits, fuel surcharge waiver, and other privileges with the card. The card has a low forex markup fee of 2%.

  • Complimentary 6-month FitPass Pro membership and bonus 1000 reward points as welcome benefit
  • 5 reward points per Rs. 100 spent with the card
  • Bonus 1000 RPs per month and 4000 RPs on achieving the quarterly spend milestone
  • Complimentary domestic airport lounge access
  • 1% fuel surcharge waiver
  • Low forex markup fee of 2%

BoB CMA One Credit Card

The BoB CMA One credit card is exclusively for ICMAI members and has a one-time joining fee of Rs. 1 just for the namesake purpose. Even though the card is lifetime free, there are several value-added benefits and privileges offered by the card. As a welcome benefit, the cardholder gets a complimentary FitPass Pro membership and reward points as a welcome benefit. You can earn 5 reward points per Rs. 100 spent with the card apart from bonus reward points on reaching the spend-based milestones. Other features that the card offers you include fuel surcharge waiver, domestic lounge access, insurance benefits, and a low forex markup fee.

  • 1000 reward points and complimentary FitPass Pro membership as welcome benefit
  • Up to 5 reward points per Rs. 100 spent with the card
  • Bonus 1000 reward points and 16000 reward points on reaching the spend-based milestones
  • Complimentary domestic lounge access per year
  • 1% fuel surcharge waiver
  • Low forex markup fee of 2%

Bank of Baroda Swavlamban Credit Card

The Bank of Baroda Swavlamban credit card is a lifetime free offering and offers maximum benefits and rewards to cardholders at no extra charges. Cardholders can use 105% of their limit without having to pay overlimit charges. Other than this, cardholders get 1% reward rate across spend categories and can redeem it against the outstanding balance. You also get access to fuel surcharge waiver, accidental death insurance, zero liability protection, etc. with the card.

  • Lifetime free business credit card
  • 4 reward points per Rs. 100 spent with the card
  • You can use 105% of the card limit
  • 1% fuel surcharge waiver
  • Personal death insurance cover
  • Zero liability protection against lost or stolen card

Bank of Baroda ConQR Credit Card

Apart from credit cards for personal use, Bank Of Baroda also provides business credit cards and the ConQR credit card aims at offering maximum benefits and privileges to the cardholders at low costs. A lifetime free card, the reward rate on the card is great, and you can also enjoy benefits across different categories with this. The card allows you to earn 5 reward points per Rs. 100 spent and you can redeem the reward points across many different categories at the BoB portal. Also, you get fuel surcharge waiver, insurance benefits, exclusive discounts on hotel/flight bookings, and more with the card.

  • 5 reward points per Rs. 100 spent with the card
  • Savings of Rs. 800 on EaseMyTrip flight bookings
  • Savings of Rs. 750 on Fab hotel bookings
  • Up to 15% off at Apollo Pharmacy products
  • Discount up to Rs. 5000 on 2 or more nights stay booking at Vista rooms
  • Up to 30% off on all Printvenue orders
  • 1% fuel surcharge waiver

BoB Corporate Credit Card

Corporate institutions and businesses have high credit requirements, and the Bank of Baroda Corporate credit card is exclusively meant to help them and establish their business. The lifetime free Corporate credit card offers 1 reward point per Rs. 100 spent with the card. You can also redeem reward points against the credit card’s outstanding balance. The card offers complimentary lounge access, fuel surcharge waiver, insurance cover, and more with the card. The cardholder can also track all spendings comfortably made with the Corporate credit card.

  • Lifetime free corporate credit card
  • 1 reward point per Rs. 100 spent with the card
  • Easily track the spends made on the card
  • Complimentary domestic lounge access per quarter
  • Accidental death insurance cover
  • 1% fuel surcharge waiver

How to Apply for Bank of Baroda Credit Cards

Follow these steps to apply for Bank of Baroda credit cards –

  • Click on the Apply Now button.
  • Fill in the necessary details and provide the necessary documents
  • Click on Submit to submit your application

Eligibility Criteria and Documents Required

The applicants must pass the following eligibility criteria in order to apply for BoB credit cards –

  • The applicant must be a resident of India
  • The applicant must be between 21 to 65 years of age
  • The applicant must have a stable source of income
  • The applicant must have a decent credit score

The following documents must be provided by the applicant when applying for the credit card –

ID Proof – Aadhar Card, PAN Card, Driver’s License, Passport, etc.

Address Proof – Aadhar Card, Rent Agreement, Ration Card, Passport, Latest Utility Bills, etc.

Income Proof – Salaried individuals need to provide the latest 2 months’ salary slips and the bank statements. Self-employed individuals need to provide their audited ITR of the previous year

Credit Card Comparison

Category BoB Prime Credit Card BoB Easy Credit Card ICAI Bank of Baroda Exclusive Credit Card Indian Army Yoddha BoB Credit Card
Joining/Annual Fee Nil Nil (Lifetime Free for Limited Time) Nil Nil
Welcome Benefit NA NA Complimentary 6-month Fit Pass Pro membership and bonus 1000 reward points Complimentary 6-month Fit Pass Pro and Zomato Pro membership  
Reward Earning 4 RPs per Rs. 100 spent with the card 5x RPs per Rs. 100 spent on movies, departmental stores, groceries, etc. 1 RP per Rs. 100 spent with the card 0.5% cashback on credit card bill payment 1 RP per Rs. 100 spent with the card. 5x RPs on utility bills, online spends, and dining 2 RPs per Rs. 100 spent with the card 10 RPs per Rs. 100 spent on departmental store and groceries
Reward Redemption Reward points can be redeemed against various choices at the BoB Rewards portal or against cashback, where 1 RP = Rs. 0.25 Reward points can be redeemed against various choices at the BoB Rewards portal or against cashback, where 1 RP = Rs. 0.25 Reward points can be redeemed against various choices at the BoB Rewards portal or against cashback, where 1 RP = Rs. 0.25 Reward points can be redeemed against various choices at the BoB Rewards portal or against cashback, where 1 RP = Rs. 0.25
Dining/Movie Benefits NA NA NA NA
Travel Benefits NA NA Complimentary domestic lounge access per quarter 8 complimentary domestic lounge access per year
Forex Markup Fee 3.5% 3.5% 2% 3.5%

Conclusion

If you just started working or are new into your professional career, then getting an entry-level credit card will help you a lot in building your credit profile and credit worthiness. You get access to decent benefits and offers and earn reward points on almost all daily life spends. Bank of Baroda is among the top card issuers in the country and it also has exclusive offerings for Indian armed forces, navy, and other government officials.

Not just this, BoB also has a diverse and exciting range of lifetime free credit cards in both the personal and business categories. We talked about the top BoB lifetime free cards in the above article. You should definitely check out the list and apply for one, if you are looking to get a card for yourself.

For those who are not inclined towards huge rewards and benefits, a lifetime free card can be the perfect stepping stone for your financial future.

FAQs:

There are several lifetime free credit cards issued by Bank of Baroda which you can get. The best ones include – BoB Prime, BoB Easy, Indian Army Yoddha BoB, BoB Varunah, ICAI BoB Exclusive, BoB ICSI Diamond, and more.
Yes, Bank of Baroda has lifetime free credit cards not just for personal use, but also for business and corporate customers. These credit cards include the BoB ConQR credit card, the BoB Corporate Credit Card, and the BoB Empower credit card. All of these cards are lifetime free and have exclusive rewards and benefits for businesses and corporate organizations.
The Bank of Baroda Easy credit card comes with a joining and annual fee of Rs. 500, but you can get it lifetime free, without any cost, for a limited time period. Moreover, if you paid the joining fee for the card, you can get the fee waived off on spending Rs. 6000 inside 60 days of card issuance, and you can get the renewal fee waived off on spending Rs. 35000 in the card anniversary year.
Yes, Bank of Baroda has several exclusive credit cards for defence personnel and other armed forces of India. The Varunah credit card is for the Navy, The Indian Army Yoddha BoB credit card is for the Army as suggested by its name, while the Bank of Baroda Sentinel credit card is for Assam Rifles members. All of these cards are exclusively packed with benefits that reward the hardworking officials.
Follow these steps to apply for Bank of Baroda credit cards –
  • Visit the official BoB Financial website
  • Go to the credit cards section, and search for the card you want to apply for
  • Once you find the card, you can click on Apply Now
  • Fill in the necessary details and provide the necessary documents
  • Click on Submit to submit your application