Indian Army YODDHA BOBCARD Credit Card – Benefits, Fees & Eligibility

Introduction

The Indian Army YODDHA BOBCARD Credit Card, issued by BOBCARD (Bank of Baroda), is a lifetime-free credit card exclusively designed for Indian Army personnel. It offers a range of privileges across various categories, including rewards, travel, and insurance. Key benefits include earning up to 10 reward points for every ₹100 spent, complimentary domestic airport lounge access, and a free Amazon Prime membership upon fulfilling specific spend conditions. The card also provides a personal accident cover worth ₹20 lakhs.

Welcome Benefits

• 500 bonus Reward Points on spends of ₹5,000 or more within 60 days of card issuance.
• Complimentary 6-month Fitpass Pro membership.
• Complimentary Amazon Prime annual membership for one year on spending ₹1 lakh or more within the first 90 days of card issuance.

Fees

• Joining Fee: Nil (Lifetime free credit card).
• Renewal Fee: Nil (Lifetime free credit card).
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: 3.5% of the total transaction amount.
• Interest Rates: 3.49% per month.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver (up to ₹250 per month/statement cycle) on all fuel purchases between ₹400 and ₹5,000. The GST component on the surcharge is not reversed. Fuel transactions are not eligible for Reward Points.
• Cash Advance Charges: 2.5% or a minimum of ₹300 at domestic ATMs, and 3% or a minimum of ₹300 at international ATMs.

Rewards

• Rewards Rate

  • 2 Reward Points on every retail spend of ₹100 on any other category.
  • 10 Reward Points (5x rewards) for every ₹100 spent on departmental stores & groceries. This is capped at 1000 Reward Points on these categories per month. Further spends in that month on these categories will earn Reward Points at the regular earn rate (2 R.P for every ₹100).
  • UPI transactions are eligible only for core Reward Points (2 RP per ₹100) and do not qualify for bonus rewards.
  • The reward program is not applicable on select Merchant Category Codes (MCCs) and Fuel transactions.

• Travel

  • 8 complimentary domestic airport lounge accesses each year, capped at two visits per quarter.
  • Lounge access is unlocked on spends of ₹20,000 in the preceding calendar quarter (effective 1st Jan, 2025).
  • 24/7 Assistance for Domestic & International Concierge Services (Powered by RuPay).

• Golf

  • N/A

• Insurance Benefits

  • Personal Accidental Death Cover worth ₹20 lakhs (including air and non-air accidents).

• Other Benefits

  • Free Add-on Card: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or kids (above age 18).
  • Smart EMI Options: Convert purchases of more than ₹2,500 on your card into Smart EMIs with tenures of 6 to 48 months.
  • Interest Free Credit Facility: Avail up to 50 days of interest-free credit from the date of any purchase.
  • Zero Liability on Lost Card: Report the loss of your card immediately to ensure zero liability on any fraudulent transactions.
  • Contactless Safe Payments: The card is enabled with wireless chip technology for secure and faster contactless payments.

Rewards Redemption Guide

• Earned Reward Points can be redeemed against several options available at the BOBCARD Rewards portal.
• Reward Points can be redeemed as cashback.
• The redemption rate is 1 Reward Point = ₹0.25.

Card Eligibility Criteria

• Eligibility Rules

  • The applicant should be an Indian Army Personnel, including Designated Personnel of the Indian Army, Indian Army Veterans, Veer Nari, and Cadets.
  • The applicant’s age should be a minimum of 18 years (for salaried individuals).
  • The applicant should have a decent credit score.

• Documents Required

  • Identity Proof: Aadhar Card, PAN Card, Voter’s ID, Passport, etc.
  • Proof of being an Indian Army Personnel: ID card / Service Certificate or Latest Salary Slip mentioning the rank of the Official.
  • Address Proof: Latest utility bills, Aadhar Card (both sides), Voter ID Card issued by the election commission of India, Passport, Driving Licence, Job Card.
  • Other Mandatory Proof: Recent Passport size photograph (with clear/white background & without dark/tinted glass), PAN Card.

Card Review

The Indian Army YODDHA BOBCARD Credit Card is an excellent choice for Indian Army personnel, offering a comprehensive suite of benefits with a zero annual fee, making it a lifetime-free card. Its strengths lie in its generous reward point structure, complimentary domestic lounge access, and significant insurance coverage. The inclusion of a free Amazon Prime membership on achieving a spend milestone further enhances its value. While the card is highly specialized for its target audience, it delivers substantial value across travel, shopping, and lifestyle categories without recurring costs.

Important Product Details

• Lifetime free credit card with no joining or annual fees.
• Complimentary 6-month Fitpass Pro membership.
• Earn up to 10 Reward Points on every ₹100 spent.
• 8 complimentary domestic airport lounge accesses per year (2 per quarter), subject to ₹20,000 spend in the preceding quarter.
• Free Amazon Prime annual membership on spending ₹1 lakh within the first 90 days.
• Personal accident cover worth ₹20 lakhs.
• 1% fuel surcharge waiver (up to ₹250 per month) on transactions between ₹400 and ₹5,000.
• Foreign currency markup fee of 3.5%.
• Interest rate of 3.49% per month.
• Cash advance charges of 2.5% (min ₹300) domestically and 3% (min ₹300) internationally.
• Redeem Reward Points for cashback at 1 Reward Point = ₹0.25.
• Up to 3 lifetime free add-on cards.
• Smart EMI options for purchases over ₹2,500.
• Up to 50 days of interest-free credit.
• Zero liability protection on lost cards.
• Contactless payment capability.
• 24/7 Domestic & International Concierge Services.

Other Details

• How to Apply: Applicants can apply for the card offline by visiting their nearest BOBCARD branch with required documents or online through a 3-step process involving filling an online application form, e-signing using Aadhaar, and verifying identity via Video KYC.
• Terms & Conditions Summary: Specific terms apply to reward point caps (e.g., 5X rewards capped at 1000 RP/month), fuel surcharge (GST not reversed, surcharge rate may vary), UPI transactions (only core RPs), and concierge services (cardholder bears service costs). Complimentary lounge access eligibility criteria are subject to change.