About Indian Coast Guard Rakshamah BoB Credit Card
The Bank of Baroda Rakshamah Credit Card is designed for Indian Coast Guard members and is a reward-focused credit card. Cardholders can earn accelerated reward points on spends at entertainment venues and departmental stores, helping them get more value from everyday purchases. The card also offers complimentary benefits such as free lounge access and concierge services, making travel and lifestyle experiences more comfortable. Being a lifetime free credit card, it does not charge any annual fee, allowing users to maximize rewards and other benefits without worrying about extra costs.
Indian Coast Guard Rakshamah BoB Credit Card Rewards Program
Rewards Benefits
5X reward points per Rs. 100 spent on movies and departmental stores
2 reward points per Rs. 100 spent on all other categories, including UPI transactions
1 reward point = Rs. 0.25
Points to Note:
5X reward points are capped at 1,000 points per month; after that, the base rate of 2 points per Rs. 100 applies on all spends
No reward points on fuel, wallet loading transactions, and certain MCCs
Other Features and Benefits
Welcome Benefits
6-month FITPASS Pro membership worth Rs. 15,000
500 reward points on spending Rs. 5,000 within 60 days of card issuance
Milestone Benefit: 12-month Amazon Prime membership on spending Rs. 1 lakh within the first 90 days
Lounge Access
8 complimentary domestic airport lounges per year (2 per quarter), on spending Rs. 20,000 in the previous quarter
Concierge Services
24×7 assistance for domestic and international services via RuPay network
Insurance Cover
Personal accidental death cover (air/non-air) up to Rs. 20 lakh
Fuel Surcharge Waiver
1% waiver on fuel spends of Rs. 400–5,000, up to Rs. 250 per month
Other Charges
From Jan 2025, 1% processing fee will apply on wallet loading, utility transactions above Rs. 50,000, and fuel transactions above Rs. 10,000
Fees and Charges
Fee Type
Amount Details
Joining/Annual Fee
Nil
Finance Charges
3.49% per month i.e 41.88% per annum
Late Payment Charges
On Statement Balance of:
Less than Rs. 100: Nil
Rs. 100 to Rs. 500: Rs. 100
Rs. 501 to Rs. 1,000: Rs. 400
Rs. 1,001 to Rs. 10,000: Rs. 750
Rs. 10,001 to Rs. 25,000: Rs. 950
Rs. 25,001 to Rs. 50,000: Rs. 1,100
More than Rs. 50,000: Rs. 1,300
Things to Know Before you apply
Get this card if:
You are an Indian Coast Guard member
You spend on movies and departmental stores and want extra reward points
You want free lounge access and concierge services while traveling
You want a lifetime free card with no annual fee
You want fitness and entertainment benefits like FITPASS Pro and Amazon Prime
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For Indian Coast Guard Rakshamah BoB Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Indian Coast Guard Rakshamah BoB Credit Card Hilights
What do we like about this card?
5X reward points on movies & departmental stores (capped at 1,000/month)
2 reward points on other spends, including UPI transactions
Welcome Benefits: 6 months FITPASS Pro + 500 bonus points
Milestone Benefit: 12-month Amazon Prime membership on Rs. 1 lakh spend in first 90 days
8 complimentary domestic airport lounge visits per year (2 per quarter, on Rs. 20,000 spend)
24×7 concierge services for domestic & international support
Accidental death insurance: up to Rs. 20 lakh
Fuel surcharge waiver: 1% on Rs. 400–5,000 (max Rs. 250/month)
Lifetime free card with no annual fee
Pros
5X reward points on movies and departmental store spends
2 reward points on other spends, including UPI transactions
Welcome benefits: FITPASS Pro and bonus reward points
Milestone benefit: Amazon Prime membership on reaching spend target
8 complimentary domestic airport lounge visits per year
Lifetime free card with no annual fee
Cons
No reward points on fuel, wallet loading, and select MCCs
Lounge access limited to 2 visits per quarter and requires minimum spends
Bank of Baroda Credit Card Contact Details
Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
Bank of Baroda
Airport Lounge Access
Grocery
Reward Points
