BOB Rakshamah RUPAY Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹0
₹0
Free
4 visits/yr
Contents
The BOB Rakshamah RuPay Credit Card is a lifetime-free rewards card designed for Indian Coast Guard personnel. It offers accelerated rewards on departmental stores and entertainment, complimentary lounge access and select lifestyle privileges. The card focuses on practical everyday value with simple, easy-to-redeem benefits.
Features of BOB Rakshamah RUPAY Credit Card which makes it unique
Simple Rewards
Straightforward earn rates for easy rewards
Easy to understand value
Simpler than tiered competitor cards
Lifetime Free
No annual or joining fee for primary cardholders
No upkeep cost
Better for low-cost value seekers
Rewards Structure of BOB Rakshamah RUPAY Credit Card
Departmental Stores
acceleratedSelected departmental stores and grocery partners
Higher earn rate on departmental store spends.
Entertainment
acceleratedMovies and entertainment spends
Accelerated rewards for entertainment purchases.
All Other Spends
baseAll merchants
Standard earn rate across general spends.
Milestones of BOB Rakshamah RUPAY Credit Card
Quarterly Milestone
₹50,000 : Extra reward points
Annual Milestone
₹2,00,000 : Bonus reward points or voucher
Fees & Charges of BOB Rakshamah RUPAY Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Lifetime free card — no annual fee.
Fee Explanation Standard BOBCARD fees and statutory charges apply as per the issuer's T&Cs.
Detailed Explanation of BOB Rakshamah RUPAY Credit Card Fees
Joining Fee: 0 (one-time)
Lifetime free
Annual Fee: 0 (yearly)
Lifetime free
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 applies
Lounge Access Benefits with BOB Rakshamah RUPAY Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
As per BOBCARD lounge policy
Insurance Coverage with BOB Rakshamah RUPAY Credit Card
Travel Insurance
₹5,00,000As per BOBCARD T&Cs, when travel booked on card
Purchase Protection
₹25,000Within 90 days of purchase; T&Cs apply
Additional Features of BOB Rakshamah RUPAY Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available for family members
Issuer discretion
Welcome Bonus with BOB Rakshamah RUPAY Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Valid for eligible Indian Coast Guard personnel; spend must be within 60 days of card issuance.
Application Process for BOB Rakshamah RUPAY Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via BOBCARD application page or through authorised channels
Upload KYC and service eligibility documents
Issuer performs verification
Card dispatched upon approval (timeline per issuer)
Required Documents for BOB Rakshamah RUPAY Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Service Proof
eligible personnelAccepted documents:
BOB Rakshamah RUPAY Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India via RuPay network
International Acceptance
RuPay acceptance internationally where supported
Online Acceptance
Yes, on merchants supporting RuPay
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Rakshamah RUPAY Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Issued to eligible Indian Coast Guard personnel and veterans; standard KYC required.
How Approval Is Decided
- Proof of eligibility (Indian Coast Guard personnel/veteran)
- Standard KYC and verification checks
- Issuer credit assessment
Pros of BOB Rakshamah RUPAY Credit Card
- No joining or annual fee (lifetime free)
- Good earn rates on departmental stores
- Lounge access for travel convenience
Cons of BOB Rakshamah RUPAY Credit Card
- Eligibility limited to Indian Coast Guard personnel
- Lower base earn rate on general spends
Frequently Asked Questions about BOB Rakshamah RUPAY Credit Card
Is there a joining fee?
No — the card is lifetime free; there is no joining fee.
Who is eligible for the Rakshamah card?
This card is issued to eligible Indian Coast Guard personnel and veterans as per issuer guidelines.
How do I earn the welcome bonus?
Earn 500 bonus reward points after spending ₹5,000 within 60 days of card issuance.
Are there airport lounge benefits?
Yes — the card includes complimentary domestic lounge access as per BOBCARD policy.
How can I redeem reward points?
Reward points can be redeemed via the BOBCARD rewards portal for vouchers, statement credit, or partner redemptions where available.
What documents are required to apply?
PAN and Aadhaar are typically required; additional ID and service proof for personnel may be requested.
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