All cards / Bank of Baroda
Bank of Baroda
BOBCARD Vikram Credit Card
RuPay
BOBCARD Vikram Credit Card
A lifetime-free RuPay card exclusively for Indian defence, paramilitary and police personnel and their families, with accelerated points on grocery/departmental/movie spends.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🛒 Groceries
1.25% reward rate (capped ₹250/monthly)
- 🛡️ Insurance
Complimentary personal accidental death cover
- ⛽ Fuel
1% fuel surcharge waiver
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried
- Age: 18–70
Benefits
- Complimentary 3-month Disney+ Hotstar Super plan on activation within 30 days
- Complimentary personal accidental death cover
- 1% fuel surcharge waiver
- Up to 3 lifetime-free add-on cards
Pros
- + Lifetime free — zero joining/annual fee
- + 5X points on groceries, departmental stores and movies
- + Complimentary Disney+ Hotstar subscription on activation
Cons
- − Exclusive to defence/paramilitary/police personnel — not open to the general public
- − Accelerated reward pool capped at 1,000 points/month
- − No lounge access