Bank of Baroda

Indian Army Yoddha BoB Credit Card

Airport Lounge Access

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Airport Lounge Access

Get 8 lounge visits/year (2/quarter) on ₹20,000 spend in prior quarter.

Fuel

1% fuel surcharge waiver (up to ₹250/cycle) on spends between ₹400–₹5,000.

Reward Points

Earn 10 Reward Points per ₹100 spent on groceries & departmental stores.

Welcome benefits:- 1000 reward points on card activation within 30 days.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

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

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

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.