The Bank of Baroda Vikram Credit Card is a contactless card designed for defence personnel. It offers a strong rewards program, with accelerated points on grocery, departmental store, and movie spends, as well as points on most other purchases. The card also provides insurance coverage, fuel surcharge waiver, and Smart EMI facility. This makes it a valuable card for daily spending and lifestyle benefits. Read on to know more about the eligibility, fees, features, and benefits of the Bank of Baroda Vikram Credit Card.
Bank of Baroda Vikram Credit Card Rewards Program
Rewards Benefits
5 reward points per Rs. 100 spent on grocery, movies, and departmental stores (capped at 1,000 points per month; after that, 1 point per Rs. 100 applies)
1 reward point per Rs. 100 spent on all other categories
Other Features and Benefits
Complimentary Subscription (Welcome Benefit)
3 months Disney+ Hotstar Super Plan on card activation (must activate within 30 days)
Forex Markup
3% foreign currency mark-up on international transactions
Fuel Surcharge Waiver
1% waiver on fuel spends of Rs. 400–5,000, up to Rs. 250 per statement cycle
EMI Conversion
Convert purchases of Rs. 2,500 or more into Smart EMIs of 6 to 36 months
Insurance Cover
Accidental death cover (Air/Non-Air) up to Rs. 20 lakh
No Lost Card Liability
Report loss immediately to ensure zero liability on fraudulent transactions
Add-on Cards
Up to 3 free add-on cards for spouse, children, or siblings above 18 years
Fees and Charges
Particulars
Details
Joining Fee
Nil
Annual/Renewal Fee
Nil
Finance/Service Charges
3.25%
Late Payment Fees
For Statement Balance:
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 defence personnel and want a lifetime free card
You spend on groceries, departmental stores, or movies and want extra rewards
You want basic travel and lifestyle benefits like Disney+ Hotstar subscription, fuel surcharge waiver, and insurance cover
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For Bank of Baroda Vikram 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
Bank of Baroda Vikram Credit Card Hilights
What do we like about this card?
Lifetime free card with no joining or annual fees
5 reward points per Rs. 100 on groceries, departmental stores, and movies (capped at 1,000/month)
1 reward point per Rs. 100 on all other spends
Welcome Benefit: 3-month Disney+ Hotstar Super Plan subscription
Accidental death insurance up to Rs. 20 lakh (Air/Non-Air)
Fuel surcharge waiver: 1% on Rs. 400–5,000 (max Rs. 250/month)
Smart EMI option for purchases of Rs. 2,500+ (6–36 months)
Pros
Lifetime free card with no joining or annual fees
5 reward points on groceries, departmental stores, and movies (up to 1,000 points/month)
3-month Disney+ Hotstar subscription on activation
Accidental death insurance up to Rs. 20 lakh
1% fuel surcharge waiver (up to Rs. 250 per month)
Cons
5X rewards only on select categories; other spends earn 1 point per Rs. 100
3% forex markup fee on international transactions
No reward points on fuel spends and wallet loading
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
Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
Frequently Asked Questions
Everything you need to know about this credit card
A. Yes, the Vikram credit card is a contactless credit card provided by BOB.
A. You can activate your complimentary 3-month Disney+ Hotstar subscription within 30 days of card issuance. Visit Hotstar Redeem, enter your registered mobile number, verify via OTP, and enter the coupon code sent to your number.
A. Reward points are not earned on fuel transactions where the 1% fuel surcharge waiver is applicable.
A. The card offers an interest-free period of up to 50 days from the date of purchase.
A. Yes, reward points expire 24 months from the date they are earned.
A. Yes, 5X rewards on groceries, departmental stores, and movies are capped at 1,000 points per month. Beyond this, the base rate of 1 point per Rs. 100 applies.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card