Our Money Guide

Bank of Baroda VIKRAM Credit Card is a card exclusively for Indian Defence Personnel. You get special 1.25% cashback on department store & grocery purchases, as well as on movie spends.

Moreover there are no annual fee charges, the card is lifetime free.

BOB Vikram Credit Card

Brief Summary

Our Rating
3.75 / 5

Our View

Best for those who travel by rail frequently. You get 10% benefit on AC class rail tickets in the non-peak season (15th Jan – 31st Mar, and 15th July – 15th Sep) , and 4% benefit in peak travel season (1st April – 14th July, and 16th Sep – 14th Jan), when you book your tickets on IRCTC. You also get complimentary railway lounge access – once a quarter.

Annual fee of the card is ₹350, from 2nd year onwards. In the 1st year only, the annual fee is ₹500, which is compensated partially by the welcome offer of ₹250.

on BOB Financial website

Bank of Baroda VIKRAM Credit Card

Special Benefits

Upto 10% benefit on AC class rail tickets, at IRCTC

Other Benefits

Complimentary railway lounge access in India

Minimum Income

₹3.60 lakhs per year (salaried), ₹4.80 lakhs per year (self-employed)

Annual Fee

₹ 350

Annual Fee Offers

Welcome offer worth ₹250

Comparison of Bank of Baroda Credit Cards

Features
Eterna Credit Card
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IRCTC BoB Rupay Credit Card
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Snapdeal Credit Card
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Premier Credit Card
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Prime Credit Card
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Cashback Rates 1.5% – 3%

2%

5%

1% – 5%

0.25% 0.5%

Other benefits Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge Fuel Waiver Surcharge
Annual Fee ₹2499

₹500

₹249

₹1000

Nil

Annual Fee Offers Annual Fee Reversal on meeting ₹2,50,000 spends Nil Nil Annual Fee Reversal on meeting ₹1,20,000 spends Nil
Minimum Income ₹ 12 Lakhs per annum or more

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

₹3.6 Lakhs for Salaried and >= ₹4.8 Lakhs for Self-employed

Not Specified Nil

Pros and Cons of Bank of Baroda VIKRAM Credit Card

Pros
  • Lifetime free card, there is no annual fee
  • Higher cashback of 1.25% on department store & grocery purchases, and also on movie spends
Cons
  • You could get comparatively higher reward rates on other cards.

Features & Benefits of the Bank of Baroda VIKRAM Credit Card

Lifetime free card, exclusively for Indian Defence Personnel

All members of Indian Defence Personnel are eligible, subject to credit policy of BOB.

There is no annual fee charged on the card, the card is lifetime free.

As a welcome offer, you get a complimentary 3 month Disney Hotstar subscription on card activation,

1.25% cashback on department store purchases, grocery purchases and movie spends

You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories

This benefit is only applicable on combined total purchases upto ₹20,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

1 reward point = ₹0.25, and can be redeemed as cashback

0.25% cashback on all other card spends

You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card purchases.

1 reward point = ₹0.25, and can be redeemed as cashback.

Exceptions-
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.50 reward point worth 12 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

 Fuel surcharge waiver, upto ₹250 per month

Complimentary insurance benefits

You get free ‘Accidental Death Cover’ (Air & Non-Air : ₹20 lakhs), for financial protection of your family.

Zero liability on lost card

In case you lose your credit card, you have zero liability for any fraudulent transactions, provided you have reported loss of the card immediately.

BOB customer care number

Please click here, to see all available options to contact your card issuer.

3 free add-on cards

Bank of Baroda PRIME Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones.

Lifetime free add-on cards : You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.

Shared benefits : With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

Bank of Baroda VIKRAM Credit Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining feeLifetime freeWelcome offers :
– You get a complimentary 3 month Disney Hotstar subscription, on card activation. Know More
Renewal fee from 2nd year onwardsLifetime free

Late payment fee

Total payment amount dueLate fee
Less than ₹100Zero
₹100 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 – ₹25,000₹950
₹25,001 – ₹50,000₹1100
More than ₹50,000₹1300

Interest charges on overdue balances – 3.25% per month (39% per year)

Foreign transaction fee – 3%

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – Bank of Baroda Credit Card Fees & Charges

Eligibility Criteria

Minimum agePrimary cardholders : 21 years
Add-on cardholders : 18 years
Maximum age65 years
OccupationAll members of Indian Defence Personnel are eligible, subject to credit policy of BOB
Minimum income requirementsNot specified

Application Process & Tracking Your Application Status

Step-by-step guide

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the BOB Financial website. You can also visit official website of BOB Financial and fill out the application form.

You can apply online in 3 simple steps :
– Complete the e-application
– Aadhaar based e-signature
– Confirm your application with a video KYC
Offline (face to face)  application processYou can also visit any of the nearest branches of the bank and talk to an executive regarding the process.
Application tracking You can track your application by clicking here.

Necessary documents and verification

Required documents 
– PAN card

– Address proof (any one) : Aadhaar card / voter ID card /passport / driving licence / utility bills / property or municipal tax receipt /rent agreement / house allotment letter issued by state or central government

– Income proof :
Salaried : Last 2 months salary slip + bank statement showing salary credits
Self-employed : Latest income tax return (ITR)
Apply Now

on BOB Financial website

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