Honorary Armed Forces Credit Card with ₹20 Lakh Insurance & Lifetime Free Access
Indian Army, Navy, Air Force, CAPF, and Police personnel seeking a zero-fee public-sector credit card with substantial accidental death protection.
Free
One-time upfrontFree
Lifetime Free — no renewal feeStandard Points
On eligible spends1 Domestic visits/quarter
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The BOBCARD Vikram Credit Card is an institutional tribute created by Bank of Baroda's card division to honor the courage and dedication of the Indian Armed Forces, Central Armed Police Forces (CAPF), and state police organizations. Issued completely Lifetime Free (LTF) with no joining or annual maintenance charges, it provides vital financial security and everyday rewards for our uniformed personnel. Key cardholder privileges include an accelerated 5 Reward Points per ₹100 spent on Groceries, Departmental Stores, and Movie tickets, alongside 1 point per ₹100 on general retail spends. Recognizing the occupational hazards faced by servicemen, BOBCARD embeds a complimentary accidental death insurance cover of up to ₹20,00,000. Powered by the RuPay network, Vikram seamlessly connects to UPI applications for quick merchant scanning. Who should consider it: Serving and retired defense officers, soldiers, paramilitary personnel, and police officers seeking an honorary zero-fee credit card with high insurance cover. Who should avoid it: Civilian applicants, as issuance is strictly restricted to defense and police personnel via salary account verification.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Grocery, Departmental Stores & Movies | 5 Reward Points per ₹100 spent on grocery, departmental stores, and movies (1.25% value; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Spends | 1 Reward Point per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Grocery, Departmental Stores & Movies | ₹12,000 | 5 Reward Points per ₹100 spent on grocery, departmental stores, and movies (1.25% value; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 1 Reward Point per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Exclusively for serving and retired personnel of the Indian Army, Navy, Air Force, Coast Guard, Paramilitary (BSF, CRPF, CISF, ITBP, SSB), and State Police. • Joining & Annual Fee: ₹0 (Lifetime Free with no recurring maintenance fees or conditional spend targets). • Accelerated Rewards: 5 Reward Points per ₹100 spent on Groceries, Departmental Stores, and Movie tickets. • Base Rewards: 1 Reward Point per ₹100 spent on all other eligible categories. • Defense Insurance Cover: Complimentary Accidental Death Insurance cover of ₹20,00,000 for primary cardholders. • RuPay UPI Integration: Linkable to UPI apps (Google Pay, PhonePe, Paytm, BHIM) for merchant QR scan transactions. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (maximum waiver ₹250 per month).
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding BOBCARD Vikram Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official BOBCARD portal with paperless verification.
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