Does the Bank of Baroda Indian Coast Guard Rakshamah BOBCARD give airport lounge access?

Yes. In India: 8 domestic lounge visits per year (Bank of Baroda's listing). Outside India: none listed. Conditions: Spend condition not printed on this page; sister defence cards need Rs 20,000 spend in the preceding calendar quarter

What is the forex markup on the Bank of Baroda Indian Coast Guard Rakshamah BOBCARD?

3% of each foreign-currency transaction, before GST.

Which spends earn no rewards on the Bank of Baroda Indian Coast Guard Rakshamah BOBCARD?

Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.

M16S / Bank of Baroda / Bank of Baroda Indian Coast Guard Rakshamah BOBCARD

mid · rewards, cobrand, lifetime-free

Bank of Baroda Indian Coast Guard Rakshamah BOBCARD

Bank of Baroda · with Indian Coast GuardRuPayLast checked 11 Oct 2026

The Bank of Baroda Indian Coast Guard Rakshamah BOBCARD charges no annual fee and no joining fee. Its base return is 0.5% (2 RP per Rs 100). Accelerated earn: 10 RP per Rs 100 (5X) on departmental stores and movies (categories from Bank of Baroda's listing). The forex markup is 3%. Lounge visits in India: 8 domestic lounge visits per year (Bank of Baroda's listing). Read from the issuer's own documents on 11 Oct 2026.

Bank of Baroda Indian Coast Guard Rakshamah BOBCARD card design — Card design: bobcard.co.in

Annual fee: Free
Fee waived at: —
Base return: 0.5%
Forex markup: 3%
Interest: 3.75%a month

Apply on bobcard.co.inOpens the bank’s own page.

Fees

Joining fee	Free
Annual fee	Free
Fee notes	Lifetime free: no joining or annual fee.

Rewards

Reward currency	BOBCARD Reward Points
Base earn	2 RP per Rs 100
Base return	0.5%
Point value	1 Reward Point = Rs 0.25 as cashback
Accelerated earn	10 RP per Rs 100 (5X) on departmental stores and movies (categories from Bank of Baroda's listing)
Caps	5X earn capped at 1,000 RP per month; UPI earns core points only (max 500 RP per statement cycle)
Spends that earn nothing	Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.
Points expiry	No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC)
Milestone benefits	12-month Amazon Prime membership on milestone spends (threshold not printed for this card)
Reward notes	base_return_pct = 2 RP x Rs 0.25 / Rs 100 = 0.5%; departmental-store spends return 2.5% until the 1,000 RP monthly cap.

Travel and perks

Domestic lounge	8 domestic lounge visits per year (Bank of Baroda's listing)
Lounge conditionsunverified	Spend condition not printed on this page; sister defence cards need Rs 20,000 spend in the preceding calendar quarter
Forex markup	3%
Fuel surcharge waiver	1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points
Other freebies	24x7 RuPay concierge. Page says benefits need at least one card use in the preceding 30 days.

Charges and eligibility

Interest per month	3.75%
Late payment fee	Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300
Cash advance fee	2.5% of amount or Rs 500, whichever is higher
Eligibility	Indian Coast Guard personnel and veterans; age 18-70
Fine-print notes	MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee.

Questions

What is the annual fee of the Bank of Baroda Indian Coast Guard Rakshamah BOBCARD?: No annual fee.
Does the Bank of Baroda Indian Coast Guard Rakshamah BOBCARD give airport lounge access?: Yes. In India: 8 domestic lounge visits per year (Bank of Baroda's listing). Outside India: none listed. Conditions: Spend condition not printed on this page; sister defence cards need Rs 20,000 spend in the preceding calendar quarter
What is the forex markup on the Bank of Baroda Indian Coast Guard Rakshamah BOBCARD?: 3% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the Bank of Baroda Indian Coast Guard Rakshamah BOBCARD?: Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.