{"id":85540,"date":"2026-03-09T15:53:22","date_gmt":"2026-03-09T10:23:22","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85540"},"modified":"2026-03-09T15:53:26","modified_gmt":"2026-03-09T10:23:26","slug":"bob-indian-army-yoddha-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/bob-indian-army-yoddha-credit-card\/","title":{"rendered":"A Smart Lifetime Free Choice with BOB Indian Army YODDHA Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earn 2 reward points per \u20b9100 spent with a lifetime free card.<\/li>\n\n\n\n<li>Earn 10 reward points per \u20b9100 grocery spend.<\/li>\n\n\n\n<li>Receive 500 bonus reward points after spending \u20b95,000.<\/li>\n\n\n\n<li>Get 8 complimentary lounge visits every calendar year.<\/li>\n\n\n\n<li>Enjoy \u20b920 lakh accidental insurance cover protection.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The BOB Indian Army YODDHA Credit Card is ideal for defence personnel seeking a reliable payment card. Users earn 10 reward points per \u20b9100 spent at grocery or departmental stores, and 2 reward points per \u20b9100 on other spends. The card stays lifetime free with no joining or annual charges and other useful lifestyle benefits.<\/p>\n\n\n\n<p>Curious to learn more? Keep reading!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#bob-indian-army-yoddha-credit-card-benefits\">BOB Indian Army YODDHA Credit Card Benefits<\/a><\/li><li><a href=\"#bob-indian-army-yoddha-credit-card-charges\">BOB Indian Army YODDHA Credit Card Charges<\/a><\/li><li><a href=\"#bob-indian-army-yoddha-credit-card-eligibility\">BOB Indian Army YODDHA Credit Card Eligibility<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-indian-army-yoddha-credit-card-benefits\"><strong>BOB Indian Army YODDHA Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-ICSI-Benefits-1-1024x683.png\" alt=\"BOB Indian Army YODDHA Credit Card Benefits\" class=\"wp-image-85542\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-ICSI-Benefits-1-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-ICSI-Benefits-1-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-ICSI-Benefits-1-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-ICSI-Benefits-1-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/BoB-ICSI-Benefits-1.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Cardholders receive 500 bonus reward points after spending of \u20b95,000 within 60 days from card issue. This welcome benefit gives a strong start to the reward program.<\/p>\n\n\n\n<p>The card also provides the following lifestyle, travel and protection benefits that improve everyday card use:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Exclusive Memberships<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders receive lifestyle memberships, such as a 6-month FITPASS Pro membership as a welcome gift with an estimated value of \u20b915,000. Cardholders also receive a 12-month Amazon Prime membership after spending \u20b91 lakh within 90 days.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Travel Benefits<\/strong><\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>In-built Insurance Cover<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders receive personal accidental death cover up to \u20b920 lakh for air or non-air incidents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-indian-army-yoddha-credit-card-charges\"><strong>BOB Indian Army YODDHA Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>The card also has <a href=\"https:\/\/online.bobcard.co.in\/assets\/BOBCARD_MITS.pdf\" target=\"_blank\" rel=\"noopener\">other important fees<\/a> that cardholders should review carefully below:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Cheque Dishonour Charges<\/td><td>2% or min. \u20b9500<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or \u20b9600 (whichever is higher)<\/td><\/tr><tr><td>Cash Withdrawal Charges<\/td><td>2.5% or \u20b9500 (whichever is higher)<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>Less than 100 is NIL.For amounts ranging from \u20b9100 to \u20b950,000 and above, it ranges between \u20b9100 and \u20b91300.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bob-indian-army-yoddha-credit-card-eligibility\"><strong>BOB Indian Army YODDHA Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>The Bank of Baroda Indian Army YODDHA Credit Card eligibility criteria include: D<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Designated Indian Army personnel or veterans. Veer Nari plus cadets can also apply for this card.<\/li>\n\n\n\n<li>Salaried applicants must fall between 18 and 70 years of age.\u00a0<\/li>\n\n\n\n<li>Applicants must submit an identity card, service certificate, or the latest salary slip that shows their official rank.<\/li>\n<\/ul>\n\n\n\n<p>Proper bill management becomes important for smooth credit card usage. Pay multiple credit card bills in a few clicks with <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a>. Get automatic reminders and instant payment status updates to stay on track with payments.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Get up to 3 lifetime free add-on cards for spouse, parents, siblings, or children above 18 years of age.<\/li>\n\n\n\n<li>Convert purchases above \u20b92,500 into Smart EMI plans with flexible repayment periods from 6 to 48 months.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1773051445124\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Does BOBCARD Indian Army YODDHA offer a fuel surcharge waiver?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cardholders receive a 1% fuel surcharge waiver on transactions between \u20b9400 and \u20b95,000 across India. The maximum waiver stays at \u20b9250 per statement cycle.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773051468313\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the spending requirement for lounge access?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Complimentary lounge visits require a minimum spend of \u20b920,000 in the previous calendar quarter. This rule was applied from 1 January 2025.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773051486140\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the cashback value of 1 reward point?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Each 1 reward point equals \u20b90.25 as cashback. Cardholders can convert total reward points into statement credit at this fixed value.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The BOB Indian Army YODDHA Credit Card is ideal for defence personnel seeking a reliable payment card. Users earn 10 reward points per \u20b9100 spent at grocery or departmental stores, and 2 reward points per \u20b9100 on other spends. The card stays lifetime free with no joining or annual charges and other useful [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85541,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85540"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85540\/revisions"}],"predecessor-version":[{"id":85543,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85540\/revisions\/85543"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85541"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}