What is the annual fee for BOBCARD VIKRAM?

BOBCARD VIKRAM comes with zero annual fee and zero joining fee, making it completely free to own and use.

How to apply for BOBCARD VIKRAM?

You can apply for BOBCARD VIKRAM through Bank of Baroda's official website or by visiting your nearest branch. Being a defence-specific card, eligibility is limited to defence personnel. Check the bank's website for complete application steps and eligibility verification.

What rewards does BOBCARD VIKRAM offer?

BOBCARD VIKRAM earns 1% reward points on all spends. New cardholders also receive 500 welcome reward points plus a complimentary 3-month JioHotstar subscription on card activation.

What are the eligibility criteria for BOBCARD VIKRAM?

Eligibility criteria are not specified in the provided details — the card is designed for defence personnel. Visit Bank of Baroda's official website or contact the bank directly for current eligibility requirements and documentation needed.

Does BOBCARD VIKRAM offer airport lounge access?

Airport lounge access details are not specified for this card. Contact Bank of Baroda directly to confirm if lounge benefits are included with BOBCARD VIKRAM.

Is BOBCARD VIKRAM worth it?

BOBCARD VIKRAM is worth considering if you're defence personnel seeking a lifetime-free card with basic reward earnings and OTT benefits. The 1% reward rate is modest, but combined with zero fees and the welcome JioHotstar offer, it provides entry-level value for eligible users.

Credit Cards

DefenceVisa

BOBCARD VIKRAM

Armed forces card with lifetime free status

Annual feeLifetime Free

Rewards1.00%1 Reward Point per ₹100

Forex markup3%

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Welcome benefits

Complimentary 3 Months JioHotstar subscription + 500 Reward Points

Type: Subscription + Reward Points
Trigger: Spend ₹5,000 within 60 days
Partner: JioHotstar
Validity: 90 days

Rewards

Base earn rate

1 reward point for every ₹100 spent on any other category*.

Excludes: Fuel

Category	Rate	Cap
Movies	5 Reward Point/₹100	5X Reward Points are subject to maximum of 1,000 Reward Points per month
Departmental Stores	5 Reward Point/₹100	5X Reward Points are subject to maximum of 1,000 Reward Points per month

Fees & charges

Joining fee: Lifetime Free. No joining fee and no annual fees.
Annual / renewal fee: Lifetime free
Add-on card fee: Get up to 3-lifetime free add-on cards for your spouse, parents, siblings, or kids (above age 18).
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: 3%
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle
Duplicate statement: ₹25

View official MITC →

Insurance covers

Air accident

₹20L

Get free personal accidental death cover to ensure the financial protection of your family (Air / non-air: ₹20,00,000).

Fraud liability

Report loss of card immediately to ensure zero liability on any fraudulent transactions.

Eligibility

Age: 18–60 years

Employment types

Salaried

Required documents

Recent Passport size photograph (with clear / white background & without dark / tinted glass)
PAN card (Mandatory)
Aadhaar card / Voter's ID card / passport / driving license ID card or Service Certificate or Salary Slip mentioning the rank of the official
ID card /Service Certificate or Latest Salary Slip mentioning the rank of the Official
Canteen Card (Only for Paramilitary Forces)
Appointment letter can be accepted as a proof of Designation

Features

✓ Contactless✓ UPI linkage

Additional features

Your card is enabled with a wireless chip technology for secure & faster payments in contactless mode.
UPI transactions are eligible only for core Reward Points. UPI transactions do not qualify for bonus rewards.

No rewards on

Fuel · Select Mccs