BOB Lifetime Free Card

BOB Financial Solutions Limited started back in 1994 and is a Non-Banking Financial Company, wholly owned by Bank of Baroda. They are known for being pioneers in the credit card industry. They offer a wide range of credit cards for both consumers and businesses, catering to different customer segments.

Whether you need a BOB Lifetime Free Card for everyday shopping, travel, or business purposes, BOB Financial has got you covered. They have special cards designed for Defense Personnel like the Indian Army and Navy, professionals like ICAI, ICMAI, and ICSI, as well as co-branded cards with popular brands like HPCL, Snapdeal, and IRCTC. They even have premium lifestyle cards like Eterna and Premier.

In simple terms, a Bank of Baroda Credit Card is not just a plastic card; it’s like carrying anytime money in your pocket. It gives you the power to fulfill your specific needs and enjoy life’s experiences to the fullest. With a BOB Financial Credit Card, you have easy access to funds, and it’s a convenient way to make payments and purchases.


  1. No Annual Fee:

    As the name suggests, a Lifetime Free Credit Card does not have an annual fee. This means you can enjoy the benefits of the credit card without any additional cost, as long as you maintain an active account.

  2. Cost Savings:

    Since there is no annual fee, you save money on card maintenance, making it a cost-effective choice for everyday spending and transactions.

  3. Credit Building:

    Using a Lifetime Free Credit Card responsibly can help build and improve your credit score over time. Timely repayments and responsible credit management reflect positively on your credit history.

  4. Rewards and Benefits:

    Many Lifetime Free Credit Cards come with rewards programs, offering cashback, reward points, or discounts on various purchases. These rewards add value to your spending and provide savings opportunities.

  5. EMI and Balance Transfer Facility:

    Some Lifetime Free Credit Cards may offer the option to convert large purchases into Equated Monthly Installments (EMIs) at a lower interest rate. Additionally, they may allow balance transfers from other credit cards at attractive rates.

  6. Convenience and Security:

    Credit cards offer a convenient and secure way to make payments both online and offline. They reduce the need to carry cash and provide added security features like PIN and chip technology.


  1. Online and International Transactions:

    Credit cards are widely accepted for online purchases and international transactions, making them suitable for global travel and shopping.

  2. Balance Transfers:

    Cardholders can transfer outstanding balances from one credit card to another with lower interest rates, helping to manage debt more effectively..

  3. EMI Facilities:

    Some credit cards offer the option to convert large purchases into easy monthly installments (EMIs), making it more manageable to pay off significant expenses.

  4. Building Credit History:

    Responsible use of credit cards can help individuals build a positive credit history, which is essential for future loan applications and better interest rates.

  5. Deferred Payments :

    Credit cards allow users to make purchases and pay for them later during the billing cycle. This feature is particularly useful when managing expenses between paychecks.


  1. Empowering Local Shop Retailers:

    Fayda Pay offers local shop retailers the opportunity to become our partners and offer BOB Lifetime Free Credit Cards to their customers. This empowers them to enhance their business and earn additional income.

  2. Financial Inclusion:

    We believe in bridging the financial gap between urban and rural areas. Our BOB Lifetime Free Credit Cards provide access to modern financial solutions, enabling individuals in rural regions to enjoy cashless transactions and avail exciting benefits.

  3. Trusted Partnership:

    As the owner and marketing head of Fayda Pay, I assure you of a trusted and reliable partnership. We are a preferred service provider of Bank of Baroda’s Lifetime Free Credit Cards, ensuring credibility and reliability.

  4. Lucrative Earning Opportunity:

    Whether you are a local shop retailer or an individual seeking an earning opportunity, Fayda Pay opens doors for both. Our BOB Lifetime Free Credit Cards allow retailers to earn commissions on each card sold, while individuals can earn rewards through credit card transactions.

  5. SEO-Friendly Website:

    Our website is designed with SEO-friendly content, making it easier for you to find us online. With a user-friendly interface, you can explore the benefits of our services and join us effortlessly.


A BOB Lifetime Free Credit Card is a credit card provided by Bank of Baroda that comes with no annual fee for the entire lifetime of the card. It offers various benefits and features without any additional cost.

BOB Lifetime Free Credit Cards offer advantages like no annual fee, rewards points, cashback, interest-free period, and the convenience of making cashless transactions.

The eligibility criteria for a BOB Lifetime Free Credit Card may vary, and factors like age, income, credit history, and residential status are considered during the evaluation process.

Yes, BOB Lifetime Free Credit Cards are widely accepted both in India and internationally. You can use your card for transactions in multiple countries.

In case of a lost or stolen credit card, immediately contact Bank of Baroda’s customer service helpline or Fayda Pay’s support team. They will guide you through the process of blocking the card and issuing a replacement.

You can easily track your credit card transactions and manage your account through Bank of Baroda’s online banking portal or mobile app. It provides access to your statements, transaction history, and account details.