BOB Vikram RUPAY Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹0
₹0
3%
No lounge access
Contents
BOB Vikram RUPAY Credit Card is a lifetime free credit card designed exclusively for India’s defence, paramilitary and police personnel. It offers accelerated reward points on everyday categories like groceries, movies and departmental stores, plus base rewards on most other spends. Cardholders also enjoy a Disney+ Hotstar welcome subscription, fuel surcharge waiver and Smart EMI options. With zero joining or annual fee, it is a value-for-money choice for salaried defence households who want a simple, rewards-focused RuPay credit card.
Features of BOB Vikram RUPAY Credit Card which makes it unique
Exclusively for Defence Personnel
Built specifically for Indian defence, paramilitary and police personnel and their families.
More relevant benefits on everyday categories that matter to defence households.
Niche positioning compared to generic lifestyle credit cards.
Lifetime Free with Strong Everyday Rewards
Zero joining and annual fee with 5X reward points on key everyday spends.
Long-term value without worrying about fee waiver conditions.
Better fee structure than many paid entry-level and lifestyle cards.
Rewards Structure of BOB Vikram RUPAY Credit Card
Groceries, Movies and Departmental Stores
baseEligible spends at grocery stores, movie ticket bookings and departmental stores.
Best suited for defence families who spend regularly on groceries, household shopping and entertainment.
All Other Retail Spends
baseAll eligible retail transactions other than fuel, wallet loads and other excluded categories.
Simple reward earning on day-to-day expenses like utilities, offline and online shopping.
Fees & Charges of BOB Vikram RUPAY Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free credit card with no annual or renewal fee.
Fee Explanation Fees and charges such as finance charges, cash advance fee, and late payment fee follow the latest BOBCARD schedule of charges. Always check the current charges on the official Bank of Baroda / BOBCARD website before applying.
Detailed Explanation of BOB Vikram RUPAY Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee. Lifetime free card for eligible defence personnel.
Annual / Renewal Fee: ₹0 (yearly)
No annual or renewal charges for primary or add-on cards.
Forex Mark-up Fee: 3% (transaction)
Applicable on international transactions made in foreign currency.
Fuel Surcharge: 1% waiver (transaction)
1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
Insurance Coverage with BOB Vikram RUPAY Credit Card
Accidental Death Insurance
Up to ₹20,00,000Coverage limits and conditions as per the latest BOBCARD insurance policy. Valid only when the card account is active and in good standing.
Zero Lost Card Liability
As per transaction limitsCardholder is not liable for unauthorised transactions after promptly reporting loss or theft to customer care.
Additional Features of BOB Vikram RUPAY Credit Card
Contactless Payments
Tap-to-pay enabled RuPay credit card for fast and secure payments at supported terminals.
Contactless limits and usage rules follow RBI and BOBCARD guidelines.
Smart EMI Facility
Convert eligible purchases into Smart EMIs with flexible tenures.
Available on transactions above a minimum amount as per current BOBCARD policy.
Add-on Cards
Up to 3 lifetime free add-on cards for close family members aged 18 years and above.
Overall credit limit is shared between primary and add-on cards.
Welcome Bonus with BOB Vikram RUPAY Credit Card
Welcome Bonus: 3-month Disney+ Hotstar subscription and 500 reward points
Bonus Conditions: Activate the card and make your first transaction within 30 days for Hotstar benefit. Spend ₹5,000 within 60 days of card issuance to earn 500 bonus reward points.
Application Process for BOB Vikram RUPAY Credit Card
Processing Time
7–15 working days from document submission and successful verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official BOBCARD or Bank of Baroda credit card website and go to the Vikram credit card page.
Click on Apply Now and fill in your personal, contact and basic employment or service details.
Upload KYC documents such as PAN, Aadhaar, address proof, income proof and defence or service ID.
Complete additional verification such as OTP, e-sign or video KYC as instructed by the bank.
Wait for internal assessment, credit approval and card dispatch, which usually takes around 7–15 working days.
Required Documents for BOB Vikram RUPAY Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Service Proof
defence / paramilitary / policeAccepted documents:
BOB Vikram RUPAY Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance at RuPay-enabled POS terminals and online merchants across India, especially for everyday spends such as groceries, fuel, dining and retail shopping.
International Acceptance
Usable at international merchants that support RuPay credit cards or partner networks. Acceptance may be more limited than global Visa or Mastercard variants.
Online Acceptance
Supported for most Indian e-commerce, bill payment and government portals that accept RuPay credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Vikram RUPAY Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian defence, paramilitary or police personnel (serving or retired) with valid Indian residency.
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be serving or retired defence, paramilitary, or police personnel with valid service ID, PAN and Aadhaar, stable income proof, and a good credit history.
How Approval Is Decided
- Applicant must be serving or retired defence, paramilitary or police personnel.
- Minimum age of 18 years and a stable documented income.
- Valid PAN, Aadhaar, and acceptable KYC documents as per bank policy.
- Favourable internal credit assessment, including existing obligations and credit score.
Pros of BOB Vikram RUPAY Credit Card
- No joining or annual fee – lifetime free for eligible users.
- 5X reward points on popular everyday categories like groceries and movies.
- Fuel surcharge waiver on eligible fuel spends.
- Complimentary Disney+ Hotstar subscription as a welcome benefit.
- Smart EMI and add-on cards make it family and budget friendly.
Cons of BOB Vikram RUPAY Credit Card
- Exclusively for defence, paramilitary and police personnel – not available to the general public.
- No complimentary airport lounge access on this card.
- Reward points are modest outside the accelerated categories.
- Reward points come with validity and program-level terms and conditions.
Frequently Asked Questions about BOB Vikram RUPAY Credit Card
Who is eligible for the BOB Vikram RUPAY Credit Card?
The card is designed exclusively for Indian defence, paramilitary and police personnel, both serving and retired, who meet Bank of Baroda’s internal income and credit profile criteria.
Is the BOB Vikram RUPAY Credit Card lifetime free?
Yes, the Vikram credit card has no joining fee and no annual or renewal fee, making it a true lifetime free card for eligible defence personnel.
How do I activate the complimentary Disney+ Hotstar subscription?
After your card is issued, make your first transaction within 30 days. Then go to the Disney+ Hotstar redeem page, enter your registered mobile number, verify via OTP and apply the coupon code sent by BOBCARD to start your 3-month subscription.
What rewards can I earn on my everyday spends?
You earn 5 reward points per ₹100 on eligible grocery, departmental store and movie spends, and 1 reward point per ₹100 on most other retail spends, excluding fuel and other restricted categories.
Does the Vikram credit card offer airport lounge access?
Currently, the BOB Vikram RUPAY Credit Card does not come with complimentary airport lounge access. If lounge access is important, you may want to pair it with a separate travel or lounge-focused credit card.
What is the interest-free credit period on this card?
Subject to timely bill payment and no outstanding from previous cycles, you can enjoy up to around 50 days of interest-free credit on eligible retail transactions.
Can I get add-on cards for my family members?
Yes, you can request up to 3 lifetime free add-on cards for eligible family members aged 18 years or above, sharing the primary card’s overall credit limit.
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