BOBCARD Assure Credit Card Review (Secured)
The BOBCARD Assure is a secured card built for people establishing or rebuilding credit. With one of the lowest FD requirements in the market and a clear upgrade path, it’s an accessible first card. Here is the verified review.
- Low ₹15,000 FD minimum — very accessible
- 3 RP/₹100 base, 5 RP/₹100 on groceries & utilities
- Free accident cover (₹15L air / ₹5L non-air)
- Up to 3 lifetime-free add-on cards
- Clear upgrade path to unsecured Easy card
- Requires a locked ₹15,000 FD
- Credit limit capped at ~80% of FD
- Point value ₹0.25 each — modest rewards
- It’s a credit-builder, not a rewards card
- Confirm upgrade criteria with BOB
Fees & rewards
| Item | Detail |
|---|---|
| Security | Fixed deposit (min ₹15,000) |
| Credit limit | ~80% of FD value |
| Base rewards | 3 RP per ₹100 (1 RP = ₹0.25) |
| Grocery & utilities | 5 RP per ₹100 |
| Insurance | ₹15L air / ₹5L non-air accident cover |
| Add-ons | Up to 3 lifetime-free |
| Upgrade | To unsecured Easy after ~12 months clean usage |
Eligibility & documents
Credit score
Not required (FD-secured)
Security
FD min ₹15,000
Network
Visa / RuPay
Best for
First-timers & CIBIL rebuilders
Point value
1 RP = ₹0.25
Documents
PAN, Aadhaar, BOB FD
Who this card is for
- Best fit: first-time or rebuilding users who can place a ₹15,000 FD.
- Skip if: you already qualify for an unsecured rewards card.
How to apply & how to cancel
Apply: via bobcard.co.in with a Bank of Baroda FD. Cancel: call BOBCARD after clearing dues; the FD lien is released on closure.
Final verdict
The BOBCARD Assure is one of the more accessible secured cards — a low ₹15,000 FD, decent grocery/utility rewards, free accident cover and a clear upgrade path. It’s a sensible credit-building tool; once your score is established, move to an unsecured rewards card.
Frequently asked questions
How much FD do I need?
A minimum of ₹15,000 — among the lowest in the secured-card market. Your limit is ~80% of the FD.
Do I need a credit score?
No — it’s secured against your FD, making it ideal for credit-builders.
What rewards does it earn?
3 RP per ₹100 base, and 5 RP per ₹100 on groceries and utilities (1 RP = ₹0.25).
Can I upgrade later?
Yes — BOB typically upgrades clean users to the unsecured Easy card after about 12 months, releasing the FD lien.
Data current as of June 2026, cross-checked against BOBCARD and aggregators. Confirm current terms on bobcard.co.in before applying.