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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaIndian Coast Guard RAKSHAMAH BOBCARD
Bank of Baroda

Indian Coast Guard RAKSHAMAH BOBCARD

Reward Points RuPay Platinum
4.5/5.0CardwiseHQ Review
0
Primary Reward
5X Rewards i.e. 10 Reward Points per ₹100 on Departmental Stores
Fee Waiver
Lifetime Free
4.5/5
Excellent
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

Elevated experiences for guardians of seas!

Fees & Charges

Indian Coast Guard RAKSHAMAH BOBCARD · Detailed fees & charges

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

Rewards & Cashback

Indian Coast Guard RAKSHAMAH BOBCARD · Detailed rewards & cashback

ParticularsDetails
Reward TypeReward Points
Primary Reward Rate5X Rewards i.e. 10 Reward Points per ₹100 on Departmental Stores
Secondary Reward Rate2 Reward Point for every ₹100 spent on any other category
Max Cashback / Rewards (Monthly)1000 Reward Points per month on 5X categories (₹250 cashback equivalent)
Welcome / Joining Bonus500 bonus reward points on spends of ₹5,000+ within 60 days; Complimentary 12 Months FITPASS PRO Membership worth Rs. 48,000
Milestone Benefits12 Months Amazon Prime Membership on spending min. Rs.1 Lakh within 90 days
Reward ExclusionsFuel transactions, select MCCs

Features & Benefits

Indian Coast Guard RAKSHAMAH BOBCARD · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access Details8 Complimentary Access at Domestic Airport lounges per year (twice every quarter). Effective Jan 1, 2025, subject to minimum spends of Rs 20,000 in the preceding calendar quarter.
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle)
Insurance Coverage₹20 Lakhs Personal Accidental Death Cover (Air / Non-Air)
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

Indian Coast Guard RAKSHAMAH BOBCARD · Detailed eligibility

ParticularsDetails
Minimum Age18
Maximum Age70
Card NetworkRuPay
Card VariantPlatinum
Best ForIndian Coast Guard Personnel, Shoppers, Travelers

Pros & Cons

Advantages
  • Lifetime Free credit card (no joining or annual fees)
  • Complimentary domestic airport lounge access (8 per year)
  • 5X reward points on departmental store spends
  • Welcome bonus including FITPASS PRO Membership
  • Milestone benefit of Amazon Prime Membership
  • 1% fuel surcharge waiver
  • In-built personal accidental death cover (₹20 Lakhs)
  • Smart EMI options and contactless payments
  • Up to 3 lifetime free add-on cards
Disadvantages
  • 5X rewards on departmental stores are capped monthly
  • Lounge access will require minimum spends from Jan 2025
  • Exclusive to Indian Coast Guard personnel and veterans
  • Fuel transactions do not earn reward points

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.5/5
Excellent
Overall Editor Rating
Best For: Indian Coast Guard Personnel, Shoppers, Travelers

Indian Coast Guard RAKSHAMAH BOBCARD by Bank of Baroda is rated 4.5/5 by our editorial team. Elevated experiences for guardians of seas!.

About Indian Coast Guard RAKSHAMAH BOBCARD

The Indian Coast Guard RAKSHAMAH BOBCARD is a specialized credit card designed for personnel and veterans of the Indian Coast Guard. It offers a "Lifetime Free" proposition with no joining or annual fees, making it an attractive option for its target demographic. The card provides a host of benefits including a welcome bonus of 500 reward points and a complimentary 12-month FITPASS PRO Membership. Cardholders can enjoy significant travel benefits, including 8 complimentary domestic airport lounge accesses per year, along with 24/7 concierge services. For shopping enthusiasts, the card offers 5X rewards (10 reward points per ₹100) on departmental store spends, capped at 1000 reward points monthly. All other spends earn 2 reward points per ₹100, which can be redeemed as cashback at a rate of ₹0.25 per point. Additional perks include a 1% fuel surcharge waiver, an in-built personal accidental death cover of ₹20 lakhs, and the convenience of Smart EMI options and contactless payments. The card also provides up to 3 lifetime free add-on cards for family members.

Quick Facts

Card NetworkRuPay
Card VariantPlatinum
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✓ Yes