What time is 0738 in military time?

0738 (or 07:38) is 7:38 AM.

The other way round: 7:38 AM in military time is 0738, said “zero seven thirty-eight hours.”

Military time	0738 hours
24-hour clock	07:38
12-hour clock	7:38 AM
Said out loud	“zero seven thirty-eight hours”
Minutes after midnight	458
Share of the day gone	31.8%

How to convert 0738

The hour is 07, which is before 12, so it's a morning time: drop the leading zero, keep the minutes (38) and add AM. That gives 7:38 AM.