BOB Vikram Credit Card

The following are the key features of the BOB Vikram Credit Card:

1. Lifetime free card with no joining or annual fees
2. Offers smart EMI option by converting a purchase of Rs.2,500 into 6 to 36 months EMIs
3. Waives off fuel surcharge by 1.00% on a transaction between Rs.400 to Rs.5000

Note:

1. A fuel surcharge waiver is provided on fuel purchases at all fuel stations across India.
2. The GST component will not be reversed.
3. The rate of fuel surcharge may vary depending upon the acquiring bank and fuel station.
4. The fuel transaction value on the bill may differ from the credit card statement, as the GST and fuel surcharge are levied by the acquiring bank.

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Benefits of BOB Vikram Credit Card

Here are the benefits of the BOB Vikram Credit Card:

1. Enables customers to avail of interest-free credit for up to 50 days from the purchase date
2. Offer three free add-on cards for parents, spouse, kids, siblings
3. Ensures zero cost liability on the lost card or any fraudulent transactions
4. Provides in-built free accidental death coverage
5. Allows users to pay the minimum payment due and finance their spending according to their convenience

Note:

1. Air and non-air accidental death coverage provided by BOB Vikram credit card is Rs.20 lakh
2. Credit card benefits are applicable only if the card is used once in the preceding 30 days

How to Apply for BOB Vikram Credit Card

The following are the steps to apply for BOB Vikram credit cards:

1. Visit the BOB Financial official website
2. Click on 'Apply Now' option under the Vikram credit card
3. Enter you name as mentioned in the PAN card
4. Enter the mobile number linked with the Aadhar card to receive OTP
5. Provide the PAN card number, current address PIN, email address, date of birth and nationality
6. Click on 'Generate OTP' option
7. Provide the OTP received and complete the application and submit the form

Note: PAN card is a mandatory KYC document.

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FAQs on BOB Vikram Credit Card

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

  Visit https://www.hotstar.com to avail and activate your three months Disney+ Hotstar subscription using your BOB Vikram credit card. Enter the mobile number registered with your card, provide the OTP received to complete the verification, and enter the coupon code to complete the activation. Complete the process of activation within 30 days of card issuance.

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

  Yes, the reward points earned on your BOB Vikram credit card expires in 24 months from the date of acquiring the points.

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

  You will not be able to earn reward points on fuel purchase made through your BOB Vikram credit card if fuel surcharge waiver is applicable on that fuel spend.

• Where do I contact for any card related issues?

  For any issues regarding BOB Vikram credit card or any other BOB credit cards call their toll-free number- 1800-225-100/1800-103-1006 or email them at cconline@bobfinancial.com.

• What are documentations needed to apply for BOB Vikram credit card?

  Individuals must provide their Aadhar card, PAN card, income proof, and employment details to avail themselves of this credit card. Identity and address proof may be even asked for by the bank depending upon the bank policies.

• How long does it take to receive the approval for Bank of Baroda credit cards?

  It takes seven to 15 working days to receive approval for your Bank of Baroda credit card from the submitting application to completing verification.

• How to check the limit on credit card?

  Credit card limit is provided by the bank through monthly statements which is sent via email to the customer's registered email address. Customers can also check their credit card limit via net banking, SMS alert, mobile banking, contacting customer care service, or by visiting the nearest branch of the bank.

• How to unblock a card?

  You can unblock your card by sending a request vis email, SMS, mobile banking, internet banking, or by visiting the nearest branch of the bank.

• Is the Customer care service of BOB available 24 x 7?

  Yes, the customer care service of Bank of Baroda (BOB) is available for regular customers 24 x 7 except on Saturdays, Sundays, and public holidays.