The BOBCARD Prime Credit Card is a lifetime free secured credit card issued against a fixed deposit of Rs 15,000 or more, with no joining or annual fees. Cardholders earn 2 reward points for every Rs 100 spent (1 point = Rs 0.20) and receive 500 bonus points on spending Rs 5,000 within 60 days. The FD pledged for the card continues to earn regular interest, making it a smart way to build credit while your money grows. The card offers a 1% fuel surcharge waiver on transactions between Rs 400–Rs 5,000 (up to Rs 250/month), along with accident insurance coverage of Rs 15 lakh (air) and Rs 5 lakh (non-air). Purchases above Rs 2,500 can be converted into easy EMIs, and you can get up to 3 free add-on cards for family members. With 24/7 concierge service and a low forex markup of 3%, it’s an excellent option for those seeking premium features with minimal eligibility requirements.