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Credit Cards · India

BOBCARD VIKRAM Credit Card

Updated 3 Jul 2026Source-linked

The BOBCARD VIKRAM Credit Card is a entry co-branded credit card from Bank of Baroda and Indian Defence Forces, with a joining fee of ₹0 + GST.

It earns up to 5 pts per ₹100 (≈0.9% value) on Indian Defence Forces spends in the form of reward points (points).

Welcome benefit: Complimentary 3-month JioHotstar subscription.

Bank of Baroda logo
BOBCARD VIKRAM Credit Card
RuPay logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForCo-brand rewards
  • Reward TypeReward Points (points)
Rewards Rate
  • 5 pts per ₹100 on movies departmental stores (cap 1000 points / monthly)
  • Base 0.18% on other spends
Welcome Benefits
  • Complimentary 3-month JioHotstar subscription
  • 500 reward points
Data verified 3 Jul 2026 — see our methodology
Bank of Baroda logoBoBRuPay logoplatinumentryLifetime freeCo-brand · Indian Defence Forces
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Rewards and Benefits

Rewards Rate
5 pts per ₹100 on movies departmental stores (cap 1000 points / monthly)
Base 0.18% on other spends.
Reward Redemption
BOBCARD Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
Complimentary 3-month JioHotstar subscription
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
  • personal accident: ₹20,00,000
Other Benefits
  • Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹72/mo

    You spend ₹8,000 · earns 0.9% = ₹72 uncapped

    • Capped at ₹180/mo
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹27/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹14/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹18/mo
  • Utilities & bills₹5,000 · 0.2% = ₹9/mo
Est.net rewards for this spend, realistic
₹1,685/yr

₹1,685 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded entry card by Bank of Baroda and Indian Defence Forces.
  • Lifetime free — no joining or annual fee.
  • Available on the RuPay network.
  • Insurance cover bundled: personal accident.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹299 welcome benefit

  • Complimentary 3-month JioHotstar subscription
    First transaction within 30 days of issuance
    Window: 30 days from issuance.
  • 500 reward points
    Spend ₹5,000 within 60 days of issuance
    Window: 60 days from issuance.

Accelerated rewards

  • 5 pts per ₹100 on movies departmental stores (cap 1000 points / monthly)

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Insurance benefits

  • personal accident: ₹20,00,000
    Air / Non-Air accidental death cover.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.

Other benefits

  • Add-on cards. Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–65
Credit score
700+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.

For defence personnel.

Tagsentrypointsdefenselifetime freeco brand