PM SVANidhi BOBCARD

Joining fee

₹0

Annual fee

₹0

APR

45% p.a.

Monthly finance charge

3.75%

Reward points

• Everything else: 1 points / ₹100Excludes select MCCs and fuel.

Starting credit limit: ₹10,000. No add-on cards.

Restricted to

Indian resident street vendor registered under the PM SVANidhi Scheme, who has repaid the 1st & 2nd tranche loans and is eligible for or has availed the 3rd tranche (vendors who have fully repaid the 3rd tranche are also eligible)

• •It costs nothing to hold — no joining or annual fee.
• •Good fit if you want a card without an ongoing cost to justify.
• •It is restricted to Indian resident street vendor registered under the PM SVANidhi Scheme, who has repaid the 1st & 2nd tranche loans and is eligible for or has availed the 3rd tranche (vendors who have fully repaid the 3rd tranche are also eligible).

Taken from Bank of Baroda's own published terms. Last verified 4 September 2026