Bank of Baroda VIKRAM Credit Card

Bank of Baroda VIKRAM Credit Card is a card exclusively for Indian Defence Personnel. You get higher cashback on department store & grocery purchases, as well as on movie spends.

Moreover there are no annual fee charges, the card is lifetime free.

Features & Benefits of the Bank of Baroda VIKRAM Credit Card

Lifetime free card, exclusively for Indian Defence Personnel

All members of Indian Defence Personnel are eligible, subject to credit policy of BOB.

There is no annual fee charged on the card, the card is lifetime free.

As a welcome offer, you get a complimentary 3 month Disney Hotstar subscription on card activation,

1.25% cashback on – department store purchases || grocery purchases || movie spends

You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories

This benefit is only applicable on combined total purchases upto ₹20,000 spends per month, across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

1 reward point = ₹0.25, and can be redeemed as cashback

0.25% cashback on all other card spends

You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases.

1 reward point = ₹0.25, and can be redeemed as cashback.

Exceptions-
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.50 reward point worth 12 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

 Fuel surcharge waiver, upto ₹250 per month

You get 1% fuel surcharge waiver at all fuel stations across India, only on fuel transactions between ₹400 and ₹5000. And only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle.

Complimentary insurance benefits

You get free ‘Accidental Death Cover’ (Air & Non-Air : ₹20 lakhs), for financial protection of your family.

Zero liability on lost card

In case you lose your credit card, you have zero liability for any fraudulent transactions, provided you have reported loss of the card immediately.

BOB customer care number

Please click here, to see all available options to contact your card issuer.

3 free add-on cards

Bank of Baroda PRIME Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones.

Lifetime free add-on cards : You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.

Shared benefits : With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

Eligibility Criteria

Annual fee

Late payment fee

Interest charges on overdue balances – 3.25% per month (39% per year)

Foreign transaction fee – 3%

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – Bank of Baroda Credit Card Fees & Charges

Application Process

Step-by-step guide

Necessary documents and verification