Honouring defence personnel with lifetime rewards and exclusive benefits
No joining fee, no annual fee ever
On movies & departmental stores
Enter your details to get started
| Benefit | Details |
|---|---|
| Exclusive for Defence Personnel | Specially designed for Indian Defence, Paramilitary, and Police personnel to honour their service to the nation |
| Lifetime Free Card | Zero joining fee and zero annual fee forever – no spending threshold required for fee waiver |
| Accelerated Reward Points | Earn 5X reward points (5 points per ₹100) on movies and departmental stores, plus 1 reward point per ₹100 on all other eligible categories |
| Complimentary Streaming Subscription | Enjoy a complimentary 3-month JioHotstar subscription on your first transaction within 30 days of card issuance |
| Comprehensive Insurance Coverage | Get free personal accidental death cover of ₹20 lakh (both air and non-air travel) to ensure your family's financial protection |
| Interest-Free Credit Period | Avail up to 50 days of interest-free credit facility from the date of purchase on retail transactions |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda (BOBCARD Limited) |
| Bank / Non-bank | Bank-affiliated (Public Sector Bank) |
| Category | Defence Personnel / Lifestyle & Rewards |
| Type of Card | Contactless Credit Card |
| Free or Paid | Lifetime Free (₹0 Joining Fee & ₹0 Annual Fee) |
The Bank of Baroda (BOBCARD) BoB Vikram Credit Card is a tribute to the valour and dedication of India's defence personnel. Launched on 23 January 2023 (74th Republic Day), this lifetime free credit card is exclusively available to serving and retired members of the Indian Defence Forces, Paramilitary, and Police. As a completely free card with no joining or annual fees, it offers exceptional value for everyday spending whilst providing accelerated rewards on entertainment and shopping categories.
Exclusive for Defence Community: The Vikram Credit Card is specifically designed for Indian Defence, Paramilitary, and Police personnel, recognising their selfless service to the nation with tailored financial benefits.
Lifetime Free with No Conditions: Unlike many cards that waive fees only on meeting spending thresholds, the Vikram Card is genuinely lifetime free with zero joining fee and zero annual fee – a permanent benefit with no strings attached.
5X Accelerated Rewards: Earn 5 reward points for every ₹100 spent on movies and departmental stores (up to 1,000 reward points per month), making entertainment and shopping purchases highly rewarding. Once the monthly cap is reached, earn regular rewards at 1 point per ₹100.
Core Reward Programme: Earn 1 reward point for every ₹100 spent across all other eligible categories, ensuring you benefit from every purchase you make with the card.
Welcome Benefits: Receive a complimentary 3-month JioHotstar subscription when you make your first transaction within 30 days of card issuance. Additionally, earn 500 bonus reward points when you spend ₹5,000 within the first 60 days.
Fuel Savings: Enjoy 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle), helping you save on essential fuel expenses.
Contactless Payment Technology: The card features wireless chip technology enabling secure, fast contactless payments for transactions, making everyday purchases quick and convenient.
Smart EMI Facility: Convert any purchase of ₹2,500 or more into Smart EMIs with flexible tenures ranging from 6 to 48 months, helping manage larger expenses comfortably.
Comprehensive Insurance Protection: Benefit from free personal accidental death cover of ₹20 lakh (covering both air and non-air travel), providing crucial financial security for your family.
Free Add-on Cards: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children above 18 years, allowing your family to enjoy the same benefits.
Low International Transaction Charges: The card offers a competitive 3% foreign currency markup on international transactions, along with a low service charge of 3.49% per month.
Zero Liability Protection: Report any lost or stolen card immediately to ensure zero liability on fraudulent transactions made after reporting.
Interest-Free Period: Enjoy up to 50 days of interest-free credit on retail purchases, providing flexibility in managing your monthly cash flow.
The BOBCARD Vikram Credit Card combines financial benefits with the respect and recognition that defence personnel deserve, making it an ideal companion for managing daily expenses whilst earning valuable rewards.
5X Reward Points on Entertainment & Shopping
Earn 5 reward points for every ₹100 spent on:
Movies (cinema tickets)
Departmental stores
Maximum of 1,000 reward points can be earned per calendar month in this 5X category.
Once the monthly cap of 1,000 points is reached, further spends in these categories will earn regular rewards at 1 reward point per ₹100.
Core Reward Points on Other Spends
Earn 1 reward point for every ₹100 spent on all other eligible retail categories.
No monthly cap on core reward points.
Welcome Bonus Rewards
JioHotstar Subscription: Complimentary 3-month JioHotstar subscription on making your first transaction within 30 days of card issuance.
500 Bonus Points: Earn 500 reward points on spending ₹5,000 within the first 60 days of card issuance.
Cashback Redemption
Redeem your accumulated reward points as cashback at the rate of 1 reward point = ₹0.25.
Example: 10,000 reward points = ₹2,500 cashback.
Cashback can be redeemed and credited to your card account, reducing your outstanding balance.
Multiple Redemption Options
Reward points can be redeemed for:
Statement cashback
Gift vouchers across various brands
Travel bookings
Merchandise from the rewards catalogue
Other exclusive redemption options available through BOBCARD
Reward points are valid for 24 months from the date they are accrued.
Example: Points earned in January 2025 will expire in January 2027.
Ensure you redeem points before expiry to maximise their value.
Reward points are not earned on the following transaction categories:
Fuel purchases (even with surcharge waiver)
Cash advances and cash withdrawals
EMI transactions
Balance transfers
Rent payments
Wallet loads and reloads
Utility bill payments above specified limits
Government-related payments
Card fees and charges
Select merchant category codes (MCCs) as specified by BOBCARD
Note: UPI transactions are eligible only for core reward points (1 point per ₹100). UPI transactions do not qualify for 5X bonus rewards.
1% fuel surcharge waiver at all fuel stations across India.
Applicable on transactions between ₹400 and ₹5,000.
Maximum waiver: ₹250 per statement cycle.
The GST component on fuel surcharge is not reversed.
Fuel transactions are not eligible for reward points when surcharge waiver is applied.
The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank.
Personal Accidental Death Cover
Coverage Amount: ₹20,00,000 (₹20 lakh)
Coverage Type: Both air and non-air travel accidents
Beneficiaries: Ensures financial protection for your family
Insurance details, terms, and conditions are provided at the time of card issuance.
For specific queries about insurance coverage, contact BOBCARD customer service.
Duration: Up to 50 days from the date of purchase
Applicable on retail purchases
Interest-free period is available provided previous month's dues are paid in full by the due date.
Helps you manage cash flow and make purchases without immediate payment.
If you choose not to pay the full outstanding amount, you can pay the minimum amount due and carry forward the balance.
Finance charges apply on revolving credit at 3.49% per month (41.88% annually).
Allows you to finance your spending according to your convenience, though paying in full is recommended to avoid interest charges.
Convert purchases of ₹2,500 or more into Smart EMIs.
Flexible tenure options: 6 to 48 months.
Makes managing larger expenses convenient with affordable monthly instalments.
EMI conversion can be done online through BOBCARD net banking or mobile app.
Processing charges and interest rates apply as per BOBCARD's EMI scheme.
Get up to 3 lifetime free add-on cards.
Available for:
Spouse
Parents
Siblings
Children (above 18 years of age)
Add-on cardholders share the primary cardholder's credit limit.
All benefits and rewards applicable to primary card extend to add-on cards.
Report loss or theft of your card immediately to BOBCARD.
Zero liability on fraudulent transactions made after reporting.
Report through:
BOBCARD customer care: 1800-225-100 / 1800-103-1006
Email: [email protected]
Nearest Bank of Baroda branch
Also file a police report (FIR) for stolen cards.
Replacement card will be issued within 7 working days.
Card is enabled with wireless chip technology.
Enables secure and faster payments in contactless mode.
Simply tap your card at contactless-enabled terminals for transactions.
No need to insert card or enter PIN for small-value transactions (as per terminal settings).
Provides enhanced convenience and security for everyday purchases.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 | Lifetime free – no joining fee charged |
| Annual Fee | ₹0 | Lifetime free – no annual fee ever |
| Interest Rate (APR) | 3.49% per month (41.88% annually) | Applicable on outstanding balances and revolving credit |
| Foreign Currency Markup | 3% + GST | Applicable on all international transactions |
| Cash Advance Fee | 2.5% of amount or ₹500 (whichever is higher) | Charged on cash withdrawals from ATMs or bank counters |
| Cash Advance Limit | Up to 20-40% of credit limit | Maximum amount that can be withdrawn as cash |
| Late Payment Charges | Up to ₹1,300 | ₹500 if outstanding up to ₹5,000; ₹750 if ₹5,001-₹10,000; ₹950 if ₹10,001-₹25,000; ₹1,100 if ₹25,001-₹50,000; ₹1,300 if exceeds ₹50,000 |
| Over-limit Penalty | 2.5% of over-limit amount (minimum ₹550) | Charged when spending exceeds approved credit limit |
| Payment Return Charges | 2% of payment amount (minimum ₹450) | Charged when payment cheque/instruction is dishonoured |
| Duplicate Statement Charges | As per bank policy | Charged for requesting duplicate physical statements |
| Card Replacement Fee | As per bank policy | Charged for replacement due to damage (loss/theft may be free) |
| Balance Transfer Processing Fee | As per bank policy | Applicable if balance transfer facility is availed |
| Wallet Loading/Utility/Fuel Transaction Fee | 1% processing fee (from January 2025) | Applies on wallet loading transactions, utility transactions above ₹50,000, and fuel transactions above ₹10,000 |
| Criteria | Details |
|---|---|
Occupation | Designated personnel of Indian Defence Forces, Paramilitary Forces, or Police (serving or retired) |
Age | Primary Cardholder: 18 to 60 years (for salaried); Add-on Cardholder: Above 18 years |
Citizenship | Must be a Resident of India |
Credit Score | Good credit score recommended (ideally 700 or above) |
Income | Monthly income: Minimum ₹30,000 for salaried personnel; For non-salaried: ITR of ₹6,00,000 or above |
Employment Status | Salaried (serving defence personnel) or Self-employed (retired with pension) |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card (Mandatory), Passport, Driving Licence, Voter ID Card, Defence ID Card / Service Certificate |
| Address/Residence Proof | Any one of the following: Aadhaar Card (both sides), Voter ID Card, Passport, Driving Licence, Job Card issued by NREGA, Utility Bills (not older than 2 months), Property Tax Receipt / Water Bill |
| Income Proof | ID Card / Service Certificate showing rank, Latest Salary Slip mentioning rank, Canteen Card (for Army/Air Force/Navy), Bank Statement (last 3-6 months), Pension Payment Order (for retired personnel) |
| PAN Card | Mandatory for all credit card applications |
| Photograph | Recent passport-size photograph (with clear/white background, without dark or tinted glasses) |
Step 1: Click on Apply Now: Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your Bank of Baroda (BOBCARD) BoB Vikram Credit Card will be delivered to your registered address.
Alternative: Visit the nearest Bank of Baroda branch, request the Vikram Credit Card application form, submit completed form with required documents.
| Usage Tips | Details |
|---|---|
Activate Your Card First | Call BOBCARD customer care at 1800-225-100 to activate your card before first use. Set your 4-digit PIN during activation |
Maximise 5X Rewards | Use the card for movies and departmental store purchases to earn 5 reward points per ₹100 (up to 1,000 points monthly) |
Monitor Monthly Caps | Track your 5X category spending to optimise rewards before hitting the 1,000-point monthly cap |
Use for Daily Shopping | Earn 1 reward point per ₹100 on all other retail purchases including groceries, online shopping, dining, and more |
Save on Fuel | Use for fuel purchases between ₹400-₹5,000 to get 1% surcharge waiver (max ₹250 per month) |
Activate JioHotstar Subscription | Make your first transaction within 30 days and activate your complimentary 3-month JioHotstar subscription at www.hotstar.com/redeem |
Earn Welcome Bonus | Spend ₹5,000 within first 60 days to earn 500 bonus reward points |
Convert to EMI | For purchases above ₹2,500, convert to Smart EMIs (6-48 months) through BOBCARD net banking or app |
Use Contactless Payment | Simply tap your card at contactless terminals for quick, secure payments without entering PIN |
Redeem Points Regularly | Redeem accumulated reward points for cashback (₹0.25 per point) or other rewards before they expire in 24 months |
Pay Full Amount | Always pay the full outstanding amount by due date to enjoy interest-free credit and avoid finance charges of 3.49% per month |
Maintain Good Credit | Timely payments help maintain excellent credit score and may lead to credit limit increases |
Register for Online Banking | Register on BOBCARD's online portal to track transactions, pay bills, view statements, and manage your card easily |
Enable Transaction Alerts | Activate SMS/email alerts to receive instant notifications of all transactions for enhanced security |
Use for International Purchases | The card works globally with just 3% foreign currency markup – lower than many cards in its category |
The Bank of Baroda (BOBCARD) BoB Vikram Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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