Welcome benefit:Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending ₹5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of Rs 1 Lakhs within 90 days of issuance of the card.
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Indian Coast Guard Rakshamah Bank of Baroda
Rewards & Benefits
Welcome Benefits
Welcome benefit:Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending ₹5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of Rs 1 Lakhs within 90 days of issuance of the card.
Milestone Benefits
None.
Cashback Rate
1 reward point = INR 0.25.
5X i.e. 10 reward points on departmental stores, and movies.
Special cashback rate: 2.5%. (Maximum 1000 reward points per month).
2 reward points for every INR 100 spent on any other category.
General Cashback Rate: 0.5%
Movie Benefits
Special cashback rate: 2.5%. (Maximum 1000 reward points per month).
Dining Benefits
None.
Other Benefits
Lifetime free credit card.
Lounge Access
Users will get 8 complimentary access at domestic airport lounges per year, twice every quarter.
Rewards & Benefits
Welcome Benefits
Welcome benefit:Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending ₹5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of Rs 1 Lakhs within 90 days of issuance of the card.
Milestone Benefits
None.
Cashback Rate
1 reward point = INR 0.25.
5X i.e. 10 reward points on departmental stores, and movies.
Special cashback rate: 2.5%. (Maximum 1000 reward points per month).
2 reward points for every INR 100 spent on any other category.
General Cashback Rate: 0.5%
Movie Benefits
Special cashback rate: 2.5%. (Maximum 1000 reward points per month).
Dining Benefits
None.
Other Benefits
Lifetime free credit card.
Lounge Access
Users will get 8 complimentary access at domestic airport lounges per year, twice every quarter.
Fees & Charges
Joining Fee
NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
Cash advance fee: Transaction fee of 2.5% or ₹500 whichever is higher.
Interest rate
Interest rate: 3.49% per month, 41.88% per annum.
Late Payment Fee
Late payment charges: INR100 to INR1300.
Foreign Currency Transactions Fee
Foreign currency markup fee: 3%
Other Fees
Fuel surcharge: 1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. Maximum 250 per statement cycle.
Fees & Charges
Joining Fee
NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 3.49% per month, 41.88% per annum.
Late Payment Fee
Late payment charges: INR100 to INR1300.
Foreign Currency Transactions Fee
Foreign currency markup fee: 3%
Other Fees
Fuel surcharge: 1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. Maximum 250 per statement cycle.
Special Features
This credit card is specially designed for designated personnel of the Indian Coast Guard & Indian Coast Guard Veterans with no joining and annual fees.
Eligibility Criteria
The applicant must be a designated Personnel of the Indian Coast Guard & Indian Coast Guard Veterans.
Age: 18 to 70 years (Primary Cardholder). Above 18 years (Add-on Cardholder)
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online Application:
Applying online is quick and convenient. Follow these steps: Visit the BOBCARD website.
Click on the “Apply Now” button.
Enter your name as mentioned on your PAN card.
Provide the mobile number linked with your Aadhaar card to receive an OTP (One-Time Password).
Fill in your PAN card number, current address PIN, email address, date of birth, and nationality.
Click on the “Generate OTP” option to proceed.
Offline Application: If you prefer an offline approach, visit your nearest Bank of Baroda (BoB) branch
Contact Details
Toll Free Nos. 1800 2665 100 & 1800 2667 100
Account Opening and Procedure
Indian Coast Guard Rakshamah can be availed only by Indian Coast Guard personnel. The card offers a decent cashback rate. The card offers limited value add features. Overall the card does not meet expectations.
Indian Coast Guard Rakshamah can be availed only by Indian Coast Guard personnel. The card offers a decent cashback rate. The card offers limited value add features. Overall the card does not meet expectations.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai