All cards / Bank of Baroda
Indian Coast Guard Rakshamah BOBCARD
A lifetime-free RuPay card exclusively for Indian Coast Guard personnel, pairing a rich welcome/milestone package (FITPASS, Amazon Prime) with spend-gated domestic lounge access.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar whose spend is concentrated in groceries. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 8 complimentary domestic lounge visits per year (2 per quarter) on ₹20,000 quarterly spend
Benefits by category
- 🛒 Groceries
2.5% reward rate
- ✈️ Travel
8 complimentary domestic airport lounge visits/year (2/quarter), on ₹20,000 spend in the preceding quarter
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹250/month
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried
- Age: 18–70
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 30%–42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- Complimentary 12-month FITPASS PRO membership for cards issued on or after 1 August 2026; 500 bonus points on ₹5,000 spend within 60 days
- 12-month Amazon Prime membership on reaching ₹1 lakh spend within the first 90 days
- 8 complimentary domestic airport lounge visits/year (2/quarter), on ₹20,000 spend in the preceding quarter
- 1% fuel surcharge waiver, capped at ₹250/month
Pros
- + Lifetime free with a generous welcome package
- + 10X points on groceries and departmental stores
- + Domestic lounge access (spend-gated)
Cons
- − Exclusive to Indian Coast Guard personnel
- − Lounge access requires ₹20,000 spend in the prior quarter
- − No international lounge access
Best for