Synopsis: Explore Lifetime Free Credit Cards in this curated list of top credit cards offered by Bank of Baroda with zero annual and zero joining fees. Read on to find out which one is best to consider in 2026.
Bank of Baroda (BoB) is one of India’s largest public sector banks that offers a range of credit cards with attractive benefits. Many of these cards come with lifetime free status meaning no joining fee and no annual fee once issued. These cards suit a variety of users such as students and everyday spenders. This article breaks down these lifetime-free options and line out the benefits for the users to avail a better financial lifestyle.
List of Lifetime Free Credit Cards of Bank of Baroda
BOBCARD Premier Credit Card
- Joining & Annual Fee: ₹1000 (currently offered as ₹0 (LTF) till March 31st 2026)
- Card Type: Travel Card
- Who can apply: Indian Resident with annual income of ₹7.2 Lakh or more
- Best Suited For: Travel & Lifestyle spend
Benefits:
- 5X rewards on dining spends (₹10 Reward points for every ₹100 spent)
- 5X rewards on travel and international spent (₹10 Reward points for every ₹100 spent)
- Complimentary domestic lounge access on spend of ₹20,000 in preceding calendar quarter (capped at 1 per quarter)
- 500 rewards points as welcome gift upon spending ₹5000 or more within the 60 days of card issuance
- 1% fuel surcharge waiver on spend between ₹400 and ₹5000
- Air accidental death coverage of ₹50 lakhs and ₹10 lakhs for non air
BOB Eterna Credit Card
- Joining & Annual Fee: ₹2499 (currently offered as ₹0 (LTF) till March 31st 2026)
- Card Type: Rewards Card
- Who can apply: Indian with an annual income of ₹12 Lakh or more
- Best Suited For: Shopping and Travel
Benefits:
- 5X rewards on dining transactions (₹10 Reward points for every ₹100 spent)
- Unlimited domestic lounge access on spend of ₹40,000 in preceding calendar quarter
- 2% Forex markup on all international purchases
- BOGO offer in collaboration with district in movie tickets (capped at ₹250 per month)
- 1% fuel surcharge waiver on an spend between ₹400 to ₹5000 (Capped at ₹250 per statement cycle)
- 3 rewards points on every ₹100 spend on other categories
- Air accidental death insurance cover of ₹1 cr & for non air accidental death ₹10 lakhs
- 5X rewards on travel and international spends
Milestone & Welcome benefits:
- 10,000 rewards points on spending ₹50,000 in the initial 60 days of card issuance
- 20,000 rewards points on spending ₹5,00,000 in a year
- Complimentary welcome gift of Fitness pass 6 months membership that is worth ₹15,000
Also read: This Credit Card Offers Taj Hotel Vouchers Worth ₹10,000 and Unlimited Airport Lounge Access; See Details
BOBCARD EASY Credit Card
- Joining & Annual Fee: ₹500 (currently offered as ₹0 (LTF) till March 31st 2026)
- Card Type: Rewards Lifestyle card
- Who can apply: Salaried with ₹3.6 lakh annual income, self employed ₹4.8 Lakhs per annum
- Best Suited For: Shopping & Lifestyle Spends
Benefits:
- 5X rewards on movies and departmental store spends (₹10 Reward points for every ₹100 spent)
- 1% fuel surcharge waiver on an spend between ₹400 to ₹5000 (Capped at ₹250 per statement cycle)
- 1 reward point per ₹100 spend on all other categories
- Up to 3 free LTF card add ons along with primary cardholder
- Contactless payment enabled
Welcome Benefits:
- 500 rewards points as welcome gift upon spending ₹5000 or more within the 60 days of card issuance
BOB Prime Credit card
- Joining & Annual Fee: ₹0 (LTF)
- Card Type: Secured Card (Fixed Deposit of sum 30,000 minimum)
- Who can apply: Those who want to secure their sum with FD
- Best Suited For: New Credit Users and Modest Spenders
Benefits:
- 500 rewards points as welcome gift upon spending ₹5000 or more within the 60 days of card issuance
- Zero to minimal documents required for applying
- Free 3 add on cards along with the primary holders
- Contactless transaction enabled
Comparison Table: Bank of Baroda Lifetime Free Credit Cards
Conclusion
Bank of Baroda offers one of the strongest lifetime free portfolios among public sector banks. The most important note for the applicants is to match the card with your income level, profession, and spending style. Another important aspect is applying during promotional LTF periods (like Eterna and Premier). If you hop on to the promotional window then you would lock premium benefits permanently without annual fee worries.
