The Bank of Baroda Vikram Credit Card offers an array of exciting features and benefits. Here are the key highlights of this credit card:
Complimentary 3 Months Disney Hotstar Subscription:
Upon card activation, you will receive a complimentary 3 months subscription to Disney Hotstar, allowing you to enjoy a wide range of entertainment content. Further details can be obtained by visiting the bank’s website or contacting their customer service.
Reward Points:
- Earn 5 reward points for every ₹100 spent on Grocery, Movies, and Departmental Stores.
- Earn 1 reward point for every ₹100 spent in Other Categories.
Low Service Charge and International Mark-up:
- Enjoy a low service charge of 3.25% on your credit card transactions.
- Benefit from a low international mark-up fee of 3% on international transactions, making it convenient for your overseas purchases.
Contactless Card for Safe Payments:
The Bank of Baroda Vikram Credit Card is equipped with contactless technology, allowing you to make safe and convenient payments without the need to physically swipe or insert your card. Further information on contactless payments can be found on the bank’s website.
With these features and benefits, the Bank of Baroda Vikram Credit Card provides an enhanced payment experience, rewards for your spending, and access to entertainment content through the Disney Hotstar subscription.
Key Features of Bank of Baroda Vikram Credit Card
Experience exclusive privileges with the Bank of Baroda Vikram Credit Card. Here are the key features and benefits of this card:
5X Rewards on Daily Needs:
Earn 5 Reward Points for every ₹100 spent on Grocery, Movies, and Departmental stores. Please note that the maximum monthly limit for 5X Reward Points is 1,000 Reward Points. Spends beyond this threshold will earn points at the regular rate of 1 Reward Point for every ₹100.
Exclusive Privileges:
Enjoy a complimentary 3 Months Disney Hotstar subscription upon card activation, allowing you to access a wide range of entertainment content.
Vikram is Lifetime Free:
There are no joining fees or annual fees associated with the Bank of Baroda Vikram Credit Card. It is a lifetime free card, offering you convenience without any additional costs.
Fuel Surcharge Waiver:
Avail a 1% fuel surcharge waiver at all fuel stations in India for transactions ranging from ₹400 to ₹5,000 (maximum ₹250 per statement cycle). Please note that fuel spends eligible for the surcharge waiver do not qualify for reward points.
Smart EMI Options:
Convert purchases of ₹2,500 or more into Smart EMIs of 6 to 36 months, providing you with flexibility in managing your expenses.
Value-for-Money Perks:
- Benefit from a low service charge of 3.25% on your credit card transactions.
- Enjoy a low international mark-up fee of 3% on international transactions.
Please note that the GST component is not reversed in the fuel surcharge waiver, and the rate of the fuel surcharge may vary depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank providing the terminal to the merchant. The value of the fuel transaction on the charge slip may differ from the credit card statement due to the inclusion of fuel surcharge and GST levied by the acquiring bank after the transaction.
With its rewards, privileges, and cost-saving benefits, the Bank of Baroda Vikram Credit Card is designed to enhance your financial experience and provide value for your spending.
Additional Benefits of Bank of Baroda Vikram Credit Card
Free Add-on Card:
You can enjoy up to 3 Lifetime Free add-on cards for your spouse, parents, siblings, or children above the age of 18. This allows your family members to benefit from the features and privileges of the Bank of Baroda Vikram Credit Card.
In-built Insurance Cover:
The credit card provides a complimentary Accidental Death Cover with a coverage amount of 20 Lakhs. This covers both air and non-air accidents, providing financial protection for your family in case of unfortunate events.
Zero Liability on Lost Card:
In the event of a lost card, it is important to report it immediately to the bank. By doing so, you can ensure zero liability on any fraudulent transactions made using your card.
Interest-Free Credit Facility:
With the Bank of Baroda Vikram Credit Card, you can avail up to 50 days of interest-free credit from the date of any purchase. This allows you to manage your finances effectively and make payments without incurring interest charges within the specified period.
Revolving Credit Facility:
You have the flexibility to pay the Minimum Amount Due on your credit card statement, allowing you to finance your spends as per your convenience. This revolving credit facility provides you with the option to manage your payments based on your financial preferences.
These features provided by the Bank of Baroda Vikram Credit Card ensure convenience, financial protection, and flexibility in managing your expenses.
FAQs:
1. How can I apply for the Bank of Baroda Vikram Credit Card?
– You can apply for the credit card by visiting the Bank of Baroda’s website or contacting their customer service. The application process typically involves filling out an application form and providing the required documents.
2. Can I avail of the in-built insurance cover for my family members?
– The in-built Accidental Death Cover is applicable to the primary cardholder. However, you can consider opting for separate insurance coverage for your family members to ensure their financial protection.
3. What should I do if I lose my Bank of Baroda Vikram Credit Card?
– It is important to report the loss of your card immediately to the bank’s customer service. By doing so, you can ensure that you are not held liable for any fraudulent transactions made using your lost card.
4. Can I make partial payments on my credit card?
– Yes, you have the option to pay the Minimum Amount Due on your credit card statement. However, it is advisable to pay off the entire outstanding balance to avoid accruing interest charges.
Conclusion:
The Bank of Baroda Vikram Credit Card offers a range of features and benefits that enhance your financial experience. With perks such as free add-on cards for family members, in-built insurance cover, zero liability on lost cards, interest-free credit facility, and the option for revolving credit, this card provides convenience, protection, and flexibility in managing your finances. Additionally, the low service charge and low international mark-up make it a cost-effective choice. By availing the Bank of Baroda Vikram Credit Card, you can enjoy these benefits while meeting your financial needs effectively.
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