All cards / Bank of Baroda
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.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
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: 0.25% base rate
Benefits by category
- 🛒 Groceries
1.25% reward rate (capped ₹250/monthly)
- 🛡️ Insurance
Complimentary personal accidental death cover of ₹20 lakh (air and non-air)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
- 🌍 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- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher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 3-month JioHotstar subscription on first transaction within 30 days; 500 reward points on ₹5,000 spend within 60 days
- Complimentary personal accidental death cover of ₹20 lakh (air and non-air)
- 1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
- Up to 3 lifetime-free add-on cards
Pros
- + Lifetime free - zero joining/annual fee
- + 5X points on departmental stores and movies
- + Complimentary 3-month JioHotstar subscription
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