A Smart Lifetime Free Choice with BOB Indian Army YODDHA Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

9 Mar 26
3 mins

Sandipan Mitra

08 Mins
09-03-26

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Table of Contents

BOB Indian Army YODDHA Credit Card Benefits
BOB Indian Army YODDHA Credit Card Charges
BOB Indian Army YODDHA Credit Card Eligibility

Earn 2 reward points per ₹100 spent with a lifetime free card.
Earn 10 reward points per ₹100 grocery spend.
Receive 500 bonus reward points after spending ₹5,000.
Get 8 complimentary lounge visits every calendar year.
Enjoy ₹20 lakh accidental insurance cover protection.

The BOB Indian Army YODDHA Credit Card is ideal for defence personnel seeking a reliable payment card. Users earn 10 reward points per ₹100 spent at grocery or departmental stores, and 2 reward points per ₹100 on other spends. The card stays lifetime free with no joining or annual charges and other useful lifestyle benefits.

Curious to learn more? Keep reading!

BOB Indian Army YODDHA Credit Card Benefits

Cardholders receive 500 bonus reward points after spending of ₹5,000 within 60 days from card issue. This welcome benefit gives a strong start to the reward program.

The card also provides the following lifestyle, travel and protection benefits that improve everyday card use:

Exclusive Memberships

Cardholders receive lifestyle memberships, such as a 6-month FITPASS Pro membership as a welcome gift with an estimated value of ₹15,000. Cardholders also receive a 12-month Amazon Prime membership after spending ₹1 lakh within 90 days.

Travel Benefits

Cardholders receive 8 complimentary domestic airport lounge visits each year, with 2 visits per quarter. The card also offers 24/7 concierge support for domestic or international travel needs.

In-built Insurance Cover

Cardholders receive personal accidental death cover up to ₹20 lakh for air or non-air incidents.

BOB Indian Army YODDHA Credit Card Charges

The BOBCARD Indian Army YODDHA charges include a finance charge of 3.49% per month or 41.88% per year with up to 50 days interest-free credit on purchases.

The card also has other important fees that cardholders should review carefully below:

Parameters	Charges
Card Replacement Charges	₹100
Cheque Dishonour Charges	2% or min. ₹500
Overlimit Charges	2.5% or ₹600 (whichever is higher)
Cash Withdrawal Charges	2.5% or ₹500 (whichever is higher)
Late Payment Charges	Less than 100 is NIL.For amounts ranging from ₹100 to ₹50,000 and above, it ranges between ₹100 and ₹1300.

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BOB Indian Army YODDHA Credit Card Eligibility

The Bank of Baroda Indian Army YODDHA Credit Card eligibility criteria include: D

Designated Indian Army personnel or veterans. Veer Nari plus cadets can also apply for this card.
Salaried applicants must fall between 18 and 70 years of age.
Applicants must submit an identity card, service certificate, or the latest salary slip that shows their official rank.

Proper bill management becomes important for smooth credit card usage. Pay multiple credit card bills in a few clicks with the Pice App. Get automatic reminders and instant payment status updates to stay on track with payments.

Footnotes

Get up to 3 lifetime free add-on cards for spouse, parents, siblings, or children above 18 years of age.
Convert purchases above ₹2,500 into Smart EMI plans with flexible repayment periods from 6 to 48 months.

FAQs

Does BOBCARD Indian Army YODDHA offer a fuel surcharge waiver?

Cardholders receive a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across India. The maximum waiver stays at ₹250 per statement cycle.