About Indian Army Yoddha BoB Credit Card
The YODDHA Credit Card from Bank of Baroda is made especially for Indian Army personnel and comes with a rewarding points program. Cardholders can earn up to 10 reward points for every Rs. 100 spent on groceries and departmental stores. Additional benefits include welcome rewards, complimentary health and entertainment memberships, lounge access, and insurance coverage, making it a great choice for users.
Other Features and Benefits
Welcome Benefit
- Earn 1,000 reward points on activating the credit card within 30 days of issuance
Complimentary Membership
- FITPASS Pro membership worth Rs. 15,000 for 6 months
Reward Benefits
- 10 reward points per Rs. 100 spent on groceries and departmental stores
- 2 reward points per Rs. 100 spent on other categories
Milestone Benefits
- Amazon Prime membership for 12 months on spending Rs. 1 lakh within 90 days of card issuance
Lounge Access
- 8 complimentary airport lounge visits per year (2 per quarter), valid on Rs. 20,000 spend in the previous quarter
Golf Benefits
- 4 complimentary golf lessons/games per year (1 per quarter)
Fuel Surcharge Waiver
- 1% waiver on fuel spends between Rs. 400–5,000 (max Rs. 250 per statement cycle)
Concierge Service
- 24×7 assistance for domestic and international concierge services
Insurance Cover
- Air and non-air accidental death cover of Rs. 20 lakh
No Lost Card Liability
- Zero liability on fraudulent transactions if the card loss is reported immediately
Add-on Cards
- 3 free add-on cards for family members above 18 years
Processing Fee (from Jan 2025)
- 1% fee on wallet loading, utility transactions above Rs. 50,000, and fuel transactions above Rs. 10,000
Fees and Charges
| Fee Type | Details |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Supplementary Card Fee | Nil |
| Finance Charges | 3.25% per month i.e. 39% per annum |
| Late Payment Fee | For statement balance:
Less than Rs. 100- Nil
Between Rs. 100 to Rs. 500- Rs. 100
Between Rs. 501 to Rs. 1,000- Rs. 400
Between Rs. 1,001 to Rs. 10,000- Rs. 750
Between Rs. 10,001 to Rs. 25,000- Rs. 950
Between Rs. 25,001 to Rs. 50,000- Rs. 1,100
More than Rs. 50,000- Rs. 1,300 |
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Things to Know Before you apply
Get this card if:
- You are Indian Army personnel and want a card designed for you
- You want to earn high reward points on groceries and departmental store spends
- You want welcome rewards, complimentary memberships, and lounge access
- You want insurance coverage and fuel surcharge savings
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Document Required For Indian Army Yoddha BoB Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Indian Army Yoddha BoB Credit Card Hilights
What do we like about this card?
- Welcome Benefit: 1,000 reward points on activation within 30 days
- Rewards: 10 points per Rs. 100 on groceries/departmental stores, 2 points per Rs. 100 elsewhere
- Milestone Benefit: Amazon Prime for 12 months on spending Rs. 1 lakh in 90 days
- Complimentary Membership: FITPASS Pro for 6 months
- Lounge Access: 8 airport lounges/year with quarterly limits
- Insurance: Accidental death cover of Rs. 20 lakh
- Fuel Surcharge Waiver: 1% up to Rs. 250/month
Pros
- Earn up to 10 reward points on groceries and departmental stores
- Welcome bonus of 1,000 points
- Complimentary FITPASS Pro membership and Amazon Prime milestone benefit
- Airport lounge access and golf benefits
- Accidental death insurance cover up to Rs. 20 lakh
- Fuel surcharge waiver up to Rs. 250/month
Cons
- Processing fees apply on some high-value wallet, fuel, and utility transactions
- Lounge access is limited to 2 visits per quarter
- Reward points on other categories are lower (2 points per Rs. 100)
Bank of Baroda Credit Card Contact Details
- Contact Address: BOB Financial Solutions Ltd. 2nd Floor, Baroda House, Behind Dewan Shopping Centre, S. V. Road, Jogeshwari (West), Mumbai – 400102, Maharashtra, India
- Helpline: 1800 266 5100 (Toll-Free) +91 22 4206 1111 (International)
- Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
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Frequently Asked Questions
Everything you need to know about this credit card
This card is designed exclusively for Indian Army personnel.
Cardholders receive 1,000 reward points on activating the card within 30 days of issuance.
- 10 points per Rs. 100 spent on groceries and departmental stores
- 2 points per Rs. 100 spent on other categories
Yes, spending Rs. 1 lakh within 90 days of card issuance gives a 12-month Amazon Prime membership.
Yes, cardholders get 8 airport lounge visits per year, 4 golf lessons/games per year, and FITPASS Pro membership for 6 months.
The card offers air and non-air accidental death cover of Rs. 20 lakh and zero liability on fraudulent transactions if the lost card is reported immediately.
