Rakshamah BoB Credit Card

The Bottom Line

Lifetime Free, Low Rewards

Exclusively for Coast Guard Personnel. 10 Reward Points / ₹100 on grocery & departmental stores and 2 Reward Point for every on all other spends. Lifetime free.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	0.9%	0.9%	0.8%	0.7%	0.7%
Est. Monthly Reward (₹)	45	85	160	345	700
All-India Rewards Rank*	34	69	106	186	187
Within Bank Rank*	4	5	10	12	9
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The Rakshamah BoB Credit Card is a lifetime free credit card, available only to the Indian Coast Guard Personnel. It gives 2.5% effective rewards on Grocery and 0.5% on all other spending.

We estimate you can earn a net reward yield of 0.7-0.9% on all your spending with this card.

If you are not a member of the Coast Guard and need a card from Bank of Baroda, consider the Snapdeal BoB Credit Card which gives effective rewards of 5% for all purchases on the Snapdeal website & app and also gives 2.5% effective rewards on grocery and shopping.

This card gives a net reward yield of 1.2% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	Rakshamah BoB Credit Card
Card Type	Reward
Reward Features	10 Reward Points / ₹100 on: – Grocery – Departmental stores 2 Reward Point for every / ₹100 on all other categories
Milestone Rewards	Nil
Other Rewards	– 2 Complimentary Domestic Airport Lounge visits / Qtr – 4 Complimentary Golf Games / Year – Complimentary 6 Months FITPASS Pro Membership worth ₹15,000
Rewards Redemption Fee	₹99
Reward Caps	1,000 reward points p.m. on grocery and departmental stores
Preferred Redemption Method	Reward Points can be redeemed as cashback @ ₹0.25/reward point

Fees & Charges

Card		Rakshamah BoB Credit Card
Joining Fee		Nil
Annual Fee		Nil
Min. Annual Credit Card Spend for Fee Waiver		N/A
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		39.00%
Foreign Currency Markup		3.00%
Cash Advance Charge		2.50% transaction amount minimum of ₹300