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
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
Simply SMS: Send ‘HELP’ to 9223172141 from your registered mobile number
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.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
Bank of Baroda
Airport Lounge Access
Fuel
Reward Points
