BOBCARD Indian Coast Guard RAKSHAMAH

Joining fee

₹0Nil

Annual fee

₹0Nil

Add-on card fee

Up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)

Welcome benefit

500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance.

Reward rate

2 Reward Point per ₹100 · everyday spends2 Reward Point for every ₹100 spent on any other category.

Fuel earning

Fuel Transaction are not eligible for Reward Points.

Groceries earning

Supermarket and convenience store: Cardholder will not earn any Reward points.

Travel earning

Flight Booking Via BOBCARD SmartDeal: 8 points for every ₹100 · Hotel Booking BOBCARD SmartDeal: 20 points for every ₹100.

Reward exclusions

Reward program is not applicable on select MCCs and Fuel

Reward caps

5X Rewards are capped at 1000 Reward Points on the mentioned categories per month.

What one reward unit is worth

Reward points can be redeemed as cashback at ₹0.25 per reward point.

Cashback redemption

Reward points can be redeemed as cashback @₹0.25 per reward point.

Statement-credit redemption

Minimum reward points required for redemption against Card statement is 1000 Reward Points

Point expiry

Reward Points are valid only for 2 years from the date of accumulation

Domestic lounge access

8 Complimentary Access at Domestic Airport lounges per year (twice every quarter), subject to minimum spends of ₹20,000 in the preceding calendar quarter

Concierge

24/7 Assistance for Domestic & International Concierge Services (Powered by RuPay)

Milestone benefits

12 Months Amazon Prime Membership on spending min. ₹1 Lakh within 90 days

Fuel surcharge waiver

1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).

Surcharge on railway tickets

1% fee (Subject to maximum ₹5000 per transaction) will be charged on railway bookings (MCC 4112) of ₹30,000 or higher (w.e.f 1st April 2026)

Air accident cover

Free Personal Accidental Death Cover (Air / Non-Air: 20 Lakhs)

Lost card liability

Zero Liability on lost card.

Add-on card eligibility

Add-on cards for your spouse, parents, siblings or kids (above age 18)

Purchase to EMI conversion

Convert purchase of > ₹2,500 into Smart EMIs of 6 to 48 months.

Forex markup

3% on foreign currency transactions.3.00% of transaction Amount

Cash advance fee

2.5% of the withdrawn amount or ₹500 whichever is higher.

Interest on unpaid balance

3.75% per month i.e. 45% per annum.

Interest-free period

Up to 50 days of interest free credit from the date of any purchase

Late payment fee

Less than ₹100: NIL · ₹100 to ₹500: ₹100 · ₹501 to ₹1,000: ₹400 · ₹1,001 to ₹10,000: ₹750 · ₹10,001 to ₹25,000: ₹950 · ₹25,001 to ₹50,000: ₹1,100 · More than ₹50,000: ₹1,300.

Over-limit fee

All other credit cards: 2.5% of the amount over & above the sanctioned credit limit or ₹600, whichever is higher. Overlimit upto 5% of credit limit

Payment return or dishonour fee

Cheque return charges 2% of the payment amount, subject to min of ₹500

Statement or duplicate statement fee

₹25 per Bill

Card replacement fee

All other credit cards: ₹100 per card.

Cash payment / cash deposit fee

Processing fee ₹250 for every cash payment.

Cheque payment / dishonour fee

Process fee ₹100 for every cheque payment.

Education / school fee charge

All credit cards except Uni GoldX & Scapia: 1% fee (subject to maximum of ₹5000 per transaction) will be charged on online education fee payments via Third party payment apps - Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, Phonepe, SuperPe

Reward redemption fee

No Fee

Wallet load charge

All other cards: 1% processing fees will be levied on Wallet loading Transactions (MCC’s 6539, 6540, 6541,6542)

What the card's fee or benefit year means

Card Anniversary year is considered from the Card issuance date

Fuel transaction fee

All credit cards: 1% processing fee per transaction will be levied on fuel transactions (MCC 5172, 5541, 5542,5983) where transaction amount is ₹10,000 or higher.

Rent transaction fee

All other cards: A fee of 1% of the total transaction amount will be levied on all rent payment transactions (Merchant Category Code or MCC 6513) done using your BOBCARD Card.

Utility transaction fee

All Other Cards: 1% (Maximum ₹3000 per transaction) Processing fee will be levied to Utility transactions (MCC 4900) where transaction amount is ₹50,000 or higher

GST note

The GST component is not reversed

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of (all Fees/Charges + Finance Charges + GST + EMI amount) + 2% of (Retail Spends + Cash Advance) or ₹200 whichever is higher. For cases where Total Amount Due exceeds Credit Limit, account overlimit amount (Total Amount due – Credit Limit) is greater than the Computed MAD, then MAD = Overlimit Amount

Eligibility

Designated Personnel of the Indian Coast Guard & Indian Coast Guard Veterans.

Minimum age

18 to 70 years

Documents required

Mandatory: recent passport size photograph and PAN Card; address proof: Aadhaar Card (both side), Voter ID Card, Passport, Driving Licence; income proof: ID card / Service Certificate or Latest Salary Slip mentioning the rank of the Official.