How to Apply for the BoB Vikram Card in 5 Simple Steps

The Bank of Baroda Vikram Defence Credit Card is a special card made just for Indian Defence, Paramilitary, and Police personnel. It comes with no annual fees for life and offers great benefits to thank them for their service. Whether you're currently serving or retired, this card is designed to meet your needs. In this blog, you'll learn how to apply in 5 simple steps, along with who can apply, what documents you need, and the top features of the card.

Key Features & Benefits of the Vikram Defence Credit Card

• Lifetime-Free Card: The Vikram Credit Card is a lifetime-free card, meaning it comes with no annual or joining fees. This makes it a highly affordable and cost-effective option for eligible defence personnel.
• Welcome Benefits: When you apply for and activate your Vikram Credit Card, you can enjoy exciting welcome offers, including a free 3-month Disney+ Hotstar subscription if you make your first transaction within 30 days, and 500 reward points when you spend ₹5,000 within the first 60 days of card issuance.
• Reward Points Program: The card lets you earn rewards on everyday spending—get 5 points per ₹100 on groceries, departmental stores, and movie tickets, and 1 point per ₹100 on all other purchases. You can redeem these points for cashback, discounts, and other exciting rewards.
• Fuel Surcharge Waiver: The Vikram Credit Card offers a 1% waiver on fuel surcharges for transactions ranging from ₹400 to ₹5,000. This benefit is capped at ₹250 per statement cycle, making it an excellent option for those who regularly fuel their vehicles.
• Insurance Coverage: The card offers comprehensive insurance coverage, including an accidental death cover of up to ₹20 lakh, providing strong financial protection for you and your family; additional coverage may also include personal accident and medical emergency benefits, subject to the card’s terms and conditions.
• Add-On Cards: You can get up to 3 additional cards for your family members (spouse, parents, siblings, or children above 18 years). These add-on cards are also lifetime-free, making it easy to share the benefits with loved ones.

Eligibility Criteria

To apply for the Bank of Baroda Vikram Credit Card, you must meet the following eligibility requirements:

• Age: Applicants must be 18 years or older.
• Occupation: The card is exclusively available to Defence, Paramilitary, and Police personnel, whether currently serving or retired.
• Nationality: You must be an Indian citizen.

Documents Required for Application

The following documents are required to complete the application process:

• Identity Proof: Aadhaar Card, PAN Card, Passport, or Voter ID.
• Address Proof: Aadhaar Card, Passport, Utility Bills, or Voter ID.
• Photograph: A recent passport-sized photograph.
• Income Proof: Last three months' salary statements or bank account statements showing salary credits.

Additional documents such as permanent address proof (e.g., electricity bill, voter ID card, original passport, or driving license) may also be required.

How to Apply for the Bank of Baroda Vikram Defence Credit Card in 5 Easy Steps

• Step 1: Visit the Official Website: Start by visiting the Bank of Baroda or Bob Financial Solutions official website. Navigate to the section dedicated to the Vikram Credit Card.
• Step 2: Initiate the Application Process: Click on the ‘Apply Now’ tab under the Vikram Credit Card section. This will direct you to the online application form.
• Step 3: Submit Personal Details: Enter your personal information as requested:
  • Full name (as per your PAN card)
  • Mobile number (linked with Aadhaar)
  • PAN number or passport details
  • Current address and PIN code
  • Email address
  • Date of birth and nationality details
  • Ensure that all information is accurate.
• Step 4: Authenticate via Aadhaar E-Signature: To verify your identity, complete an e-signature using your Aadhaar details and associated credentials. This step ensures the authenticity of your application.
• Step 5: Complete Video KYC: In the final step, you will undergo a video KYC session for further verification. This process ensures secure and remote identity verification, making the application process safe and efficient. If you prefer, you can also visit your nearest Bank of Baroda branch to apply in person. Speak with the customer service team and submit the necessary documents to complete the application.

Final Thoughts

The Bank of Baroda Vikram Credit Card is a great choice for Defence, Paramilitary, and Police personnel. It’s lifetime free and comes with rewards, discounts, and insurance benefits. The best part? You can apply online in just 5 easy steps. If you serve the country, this card is designed just for you—simple to get and packed with perks!