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.
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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 |
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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
- Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
- Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
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Frequently Asked Questions
Everything you need to know about this credit card
You get 6 months FITPASS Pro membership worth Rs. 15,000 and 500 reward points on spending Rs. 5,000 within 60 days of card issuance.
Yes, it is a lifetime free credit card, so there is no annual fee.
- 5X points on movies and departmental store spends (capped at 1,000 points/month)
- 2 points on all other spends, including UPI transactions
- No points on fuel, wallet loading, and select MCCs
Yes, you get 8 complimentary domestic airport lounge visits per year (2 per quarter) on spending Rs. 20,000 in the previous quarter.
The card provides personal accidental death cover (air/non-air) of up to Rs. 20 lakh.
- 1% fuel surcharge waiver on spends of Rs. 400–5,000 (max Rs. 250/month)
- From Jan 2025, a 1% processing fee applies on wallet loading, utility transactions above Rs. 50,000, and fuel transactions above Rs. 10,000.
