Bank of Baroda

Bank of Baroda Vikram Credit Card

Fuel

Insurance Benefits

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Fuel

Insurance Benefits

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Fuel

Enjoy 1% fuel surcharge waiver (up to ₹250/cycle) on ₹400–₹5,000 fuel spends nationwide.

Insurance Benefits

Get free accidental death insurance cover (Air and Non-Air) of 20 Lakhs.

Reward Points

Earn 5 Reward Points per ₹100 on groceries, movies, and departmental stores.

Welcome benefits:- 3 months subscription of Disney+ Hotstar

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About Bank of Baroda Vikram Credit Card

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
Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
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.