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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaBOBCARD VIKRAM: Credit Card for Defence Personnel
Bank of Baroda

BOBCARD VIKRAM: Credit Card for Defence Personnel

Reward Points Entry Level
4.2/5.0CardwiseHQ Review
0
Primary Reward
5 Reward Points per ₹100 on movies and departmental stores
Fee Waiver
Lifetime Free
4.2/5
Very Good
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

A card that matches your indomitable spirit with privileged membership and always-on savings and rewards.

Fees & Charges

BOBCARD VIKRAM: Credit Card for Defence Personnel · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 0
Annual / Renewal Fee₹ 0
Fee Waiver ConditionLifetime Free

Rewards & Cashback

BOBCARD VIKRAM: Credit Card for Defence Personnel · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate5 Reward Points per ₹100 on movies and departmental stores
Secondary Reward Rate1 Reward Point per ₹100 on other categories
Max Cashback / Rewards (Monthly)1,000 Reward Points per month on 5X categories
Welcome / Joining BonusComplimentary 3 Months JioHotstar subscription on first transaction within 30 days; 500 Reward Points on ₹5,000 spend within 60 days
Reward ExclusionsFuel, select merchant categories, UPI transactions do not qualify for bonus rewards.

Features & Benefits

BOBCARD VIKRAM: Credit Card for Defence Personnel · Detailed features & benefits

ParticularsDetails
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle)
Insurance Coverage₹20,00,000 Personal Accidental Death Cover (Air/Non-Air)
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

BOBCARD VIKRAM: Credit Card for Defence Personnel · Detailed eligibility

ParticularsDetails
Minimum Age18
Maximum Age60
Card VariantEntry Level
Best ForDefence Personnel, Movie & Departmental Store Spends

Pros & Cons

Advantages
  • Lifetime Free credit card (No joining or annual fees)
  • 5X reward points on movies and departmental store spends
  • Complimentary JioHotstar subscription and welcome reward points
  • Free personal accidental death cover of ₹20 Lakh
  • Fuel surcharge waiver on transactions
  • Up to 3 lifetime free add-on cards
Disadvantages
  • Reward points capped on accelerated categories
  • Rewards not applicable on fuel, select MCCs, and bonus for UPI transactions

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.2/5
Very Good
Overall Editor Rating
Best For: Defence Personnel, Movie & Departmental Store Spends

BOBCARD VIKRAM: Credit Card for Defence Personnel by Bank of Baroda is rated 4.2/5 by our editorial team. A card that matches your indomitable spirit with privileged membership and always-on savings and rewards..

About BOBCARD VIKRAM: Credit Card for Defence Personnel

The BOBCARD VIKRAM is a specially designed credit card for designated personnel of the Indian Defence Forces, offering a lifetime free experience with no joining or annual fees. It provides a rewarding structure with accelerated points on entertainment and shopping, alongside core rewards for all other spends. Cardholders receive a welcoming bonus including a complimentary 3-month JioHotstar subscription and 500 reward points upon meeting initial spend criteria. Beyond rewards, the card ensures financial security with an in-built personal accidental death cover and offers convenience through smart EMI options and contactless payment capabilities. It also comes with valuable benefits like fuel surcharge waivers and the option for lifetime free add-on cards for family members.

Quick Facts

Card VariantEntry Level
Lounge Access✕ No
Fuel Waiver✓ Yes
Contactless✓ Yes