Bank of Baroda Vikram Credit Card

With this Bank of Baroda credit card ,the defence personnel can earn reward points on almost all spending categories and get several other benefits. Some major features and benefits of Vikram credit card are discussed below:

Up to 5 Reward Points Benefits

You can earn up to 5 reward points on your transactions as per the details below:

• 5 reward points on every Rs. 100 spent on grocery, movies & departmental stores up to 1,000 reward points per month. Beyond this, the regular earning rate of 1 reward point per Rs. 100 spent is applicable.
• 1 reward points on every Rs. 100 spent in other categories

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Complimentary Subscription

Get complimentary subscription of Disney+ Hotstar Super Plan for 3 months on BOB Vikram credit card activation. To avail this deal, the card users must activate their subscription within 30 days of card issuance date.

Other Features and Benefits

Some of the other benefits available on the BOB credit card are mentioned below:

Forex Markup- The Vikram card users are charged with 3% foreign currency mark-up charges on international transactions.

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Fuel Surcharge Waiver- Get 1% fuel surcharge waiver up to Rs. 250 per statement cycle at all fuel stations across India on transactions between Rs. 400 and Rs. 5,000.

EMI Conversion- Convert any purchase of Rs. 2,500 and above into Smart EMIs of tenures 6 to 36 months.

Insurance Cover- Get free accidental death insurance cover (Air and Non-Air) of 20 Lakhs for financial protection of the cardholder’s family.

No Lost Card Liability- BOB Vikram cardholders must report loss of card immediately to avail zero liability on any fraudulent transactions made through the lost card.

Add-on Cards- Get up to 3 lifetime free add-on cards on this card for your spouse, children or siblings who are at least 18 years of age.

VIKRAM credit card is a lifetime free card which is offered to defence personnel exclusively. Using this card, you can get 5 reward points on every Rs. 100 spent on regular expenses, like groceries, departmental stores, and even movie ticket bookings. However, this rewards rate is only limited to these selected categories while all other categories only accrue 1 reward point on every spend of Rs. 100. Disney+ subscription is another benefit that you can avail, but this is restricted to a subscription period of 3 months only. You are also provided with other basic features, including 1% fuel surcharge waiver, insurance cover and zero lost card liability. The card charges a forex mark-up fee of 3% which is considered quite high for someone who wishes to use the card for international transactions.

Considering its zero annual fee, it provides basic but decent benefits. However, these benefits come with their limitations due to which this card is only profitable if you regularly use it on the spends on which you can accrue accelerated rewards.

The fees and charges associated with Bank of Baroda Vikram Credit Card are listed in the table below:

Click here for the most important terms and conditions for BOB cards.

The general eligibility criteria for this credit card and the documentation that is needed during its application process are as follows:

Note- Bank of Baroda may ask for other identity, address, employment, or salary proofs during the BOB Financial credit card application process as per the internal policies.

You can also check out other credit cards which are available for defence personnel and offer benefits similar to the BOB Vikram credit card. Refer to the table given below for a list of similar cards which offer considerable reward points benefits with minimal annual charges:

Q. How to activate my Disney+ Hotstar subscription using my Bank of Baroda Vikram credit card?

A. You can avail and activate your complimentary 3 month subscription of Disney+ Hotstar within 30 days after your BOB card is issued. For this, visit https://www.hotstar.com/redeem and enter your mobile number which is registered with your Vikram credit card. Verify with OTP and then enter the coupon code received on your registered mobile number.

Q. Why have I not earned reward points on my fuel spends through Bank of Baroda Vikram credit card?

A. The cardholders cannot earn reward points on fuel spends made via BOB Vikram credit card on which surcharge waiver is applicable.

Q. What is the interest free credit period on Bank of Baroda Vikram credit card?

A. The Vikram card users have access to an interest free credit facility which lasts up to the period of 50 days from the date of purchase.

Q. Can I make contactless payments using my Bank of Baroda Vikram credit card?

A. Yes, Vikram credit card is a contactless credit card provided by BOB Financial.

Q. Do the reward points earned through BOB Vikram credit card expire?

A. Yes, the reward points that you earn through Bank of Baroda Vikram credit card expire after 24 months from the date on which they are accrued.