Dedicated Maritime Security Credit Card with Domestic Lounges & Zero Fee
Serving and retired Indian Coast Guard personnel seeking reliable public-sector credit benefits and airport lounge convenience without maintenance charges.
Free
One-time upfrontFree
Lifetime Free — no renewal fee2 RP / ₹100 base; 10 RP / ₹100 on departmental stores & movies
On eligible spends1 Domestic visits/quarter · ₹40k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Indian Coast Guard Rakshamah BOBCARD Credit Card honors the guardians of India's coastal frontiers. Issued under an institutional agreement between BOBCARD and the Indian Coast Guard (ICG), it is provided completely Lifetime Free with zero joining and annual renewal overhead. Cardholders receive 2 complimentary domestic airport lounge visits per calendar quarter across key Indian airports, along with 4X reward points on grocery, department store, and fuel purchases. Crucially, the card provides comprehensive complimentary personal accident insurance cover of up to ₹50 Lakhs, offering essential family security for maritime personnel. With standard fuel surcharge waiver across India and reduced finance charges starting from 3.25% per month, Rakshamah is a dependable financial asset for the Coast Guard.
2 complimentary domestic airport lounge visits per calendar quarter subject to ₹20,000 quarterly spend.
Earn 10 Reward Points per ₹100 spent at departmental stores and on movie tickets.
4 complimentary golf games or coaching lessons per calendar year (1 per quarter).
Complimentary 6-month FITPASS Pro membership and Amazon Prime on milestone spends.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining, Grocery & Travel Spends | 10 Reward Points per ₹100 spent on dining, grocery, and travel (2.50% value; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Spends | 2 Reward Points 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 |
|---|---|---|---|---|---|---|
| Dining, Grocery & Travel Spends | ₹12,000 | 10 Reward Points per ₹100 spent on dining, grocery, and travel (2.50% value; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 2 Reward Points 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 Coast Guard; verified via ICG service credentials. • Joining & Annual Fee: ₹0 (Lifetime Free with no hidden charges or annual maintenance costs). • Airport Lounge Privileges: 2 complimentary domestic airport lounge visits per calendar quarter across major Indian airports. • Insurance Protection: Complimentary personal accident life insurance cover of up to ₹50 Lakhs. • Rewards Acceleration: 4X reward points on groceries and departmental stores; 1 reward point per ₹100 on standard retail. • Forex Markup: Preferential foreign currency transaction markup of 2.50% + GST on overseas spending. • 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
Common questions regarding Indian Coast Guard Rakshamah BOBCARD Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official BOBCARD portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Serving and retired personnel of the Indian Army, Navy, Air Force, and Paramilitary forces seeking a lifetime-free rewards card with comprehensive defense insurance protection.
Rewards: 5X reward points for every Rs. 100 spent on CSDs, groceries, and departmental stores and 1 reward point for every Rs. 100 spent on all other expenses
Lounge access: 1 Domestic visits/quarter · ₹75k quarterly spend required
Last verified 3 Oct 2026
Best for: Serving and retired Indian Army officers and personnel seeking top-tier lifestyle luxury with zero annual maintenance fees.
Rewards: 2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.
Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required
Last verified 3 Oct 2026
Best for: Serving and retired Indian Navy officers and sailors seeking transparent public-sector credit perks with zero recurring charges.
Rewards: Up to 15x Reward Points with the Varunah Premium Card, Up to 10x Reward Points with the Varunah Plus Card, and up to 5x Rewards with the Varunah Card.
Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required
Last verified 3 Oct 2026
Federal Bank Mastercard Imperio Credit Card
Best for: Family grocery shopping at BigBasket, dining out, and domestic travel
Rewards: Federal Rewards
Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required
Last verified 3 Oct 2026
Federal Bank Visa Imperio Credit Card
Best for: Salaried individuals and families looking for a zero-fee card for everyday retail, groceries, and occasional domestic travel.
Rewards: 1x rewards for other categories
Lounge access: 2 Domestic visits/quarter · ₹40k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 3 Oct 2026
Best for: High-net-worth individuals, frequent international fliers, luxury globetrotters, and C-suite executives
Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
Lounge access: 32 Domestic visits/year + Unlimited International
Forex markup: 1.99% Low Forex
Renewal fee waived on ₹12,00,000 annual spend
Last verified 3 Oct 2026
