By Bharti Bisht
Updated On October 11, 2022

As it is clear by its name, the Indian Army Yoddha Credit Card is dedicated to the heroes of our nation, i.e, to the Indian Army personnel. It is a lifetime-free credit card and comes with decent privileges across different categories, including rewards, travel, golf, and many more. you get up to 10 Reward Points on every spend of Rs. 100 with this card and these rewards are redeemable against various options including cashback. Moreover, you get complimentary Zomato Pro and Amazon Prime Memberships if you fulfill the required conditions for the same. Talking about its travel and lifestyle privileges, the card offers complimentary airport lounge access and free golf rounds every year, which are among the greatest features of the card. To know more about the Indian Army BoB Yoddha Credit Card in detail, keep reading:

Indian Army Yoddha BoB Credit Card

(4.5/5)

Best Suited For

Travel | Shopping |

Joining Fee

Nil

Reward Type

Reward Points |

Product Details

  • Lifetime free credit card.
  • Get a complimentary 6-month Fitpass Pro membership and free Zomato Pro annual membership as a welcome benefit.
  • Get up to 10 Reward Points on every spend of Rs. 100.
  • Get complimentary domestic lounge access every year.
  • Get complimentary golf games or lessons every year.
  • Get free Amazon Prime membership on achieving the spend milestone.
  • Insurance cover worth Rs. 20 lakhs against personal accident.
  • 1% fuel surcharge waiver on all fuel purchases.

Rewards and Benefits

Welcome Benefits

Get 6-month complimentary Fitpass Pro membership and free Zomato Pro membership on activating the card within 30 days of issuance.

Movie & Dining

NA

Rewards Rate

2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.

Reward Redemption

The earned Reward Points are redeemable against several options available at the BoB Rewards portal at a rate of 1 Reward Point = Re. 0.25.

Travel

Get complimentary domestic lounge access every year.

Golf

Get 4 complimentary golf games/lessons every year.

Domestic Lounge Access

8 free domestic lounge access every year (2 per quarter)

International Lounge Access

NA

Insurance Benefits

Get a personal accident cover worth Rs. 20 lakhs

Zero Liability Protection

The cardholders are not liable for any fraudulent or unauthorized transactions made on a lost/stolen card if the loss is reported to the bank in a timely manner.

Fees & Charges

Joining Fee

Nil

Renewal Fee

Nil

Spend based Waiver

NA

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% of the total transaction amount

Interest Rates

3.49% per month

Fuel Surcharge

1% fuel surcharge waiver (up to Rs. 250 per month) on all fuel purchases between Rs. 400 and Rs. 5,000.

Cash Advance Charge

2.5% or minimum Rs. 300 at domestic ATMs, and 3% or a minimum of Rs. 300 at international ATMs.

Add-on Card Fee

Nil

Indian Army BoB Yoddha Credit Card Features and Benefits

Exclusively made for Indian army personnel, the Indian Army Yoddha Credit Card comes with several privileges across different categories, including travel, rewards, golf, and many more. All the features and benefits of this credit card are given below:

Welcome Benefits

  • You get a complimentary FitPass Pro membership fee for 6 months.
  • You can also get a free Zomato Pro membership if you activate your card within the first 30 days from the card issuance date.

Milestone Benefits

You get complimentary Amazon Prime annual membership for one year on spending Rs. 1 lakh or more within the first 90 days of card issuance.

Travel Benefits

The cardholders get 8 complimentary domestic lounge access every year with the BoB Yoddha Credit Card (capped at 2 visits per quarter).

Golf Benefits

You get 4 free golf games/lessons every year with this credit card (maximum 1 per quarter).

Insurance Benefits

The cardholders get insurance coverage worth Rs. 20 lakhs against accidental death (including air and non-air accidents).

Fuel Surcharge Waiver

  • You get a 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000.
  • The maximum waiver per month is capped at Rs. 250.

Indian Army BoB Yoddha Credit Card Reward Points

The reward rates offered by the Indian Army BoB Yoddha Credit Card in different categories are as follows:

  • You get 2 Reward Points on every retail spend of Rs. 100.
  • You get 5x rewards on every spend of Rs. 100 on groceries and departmental store spends.

Reward Redemption

  • The Reward Points earned using this credit card can be redeemed against various options available at the BoB Rewards portal.
  • 1 Reward Point = Re. 0.25.

Indian Army BoB Yoddha Credit Card Fees and Charges

Some very important fees and charges associated with the Indian Army Bank of Baroda Credit Card are mentioned below:

  • This credit card is lifetime free, i.e, you don’t need to pay any joining or annual membership fee for this card.
  • The interest rate on the BoB Yoddha Credit card is 3.49% per month.
  • The foreign currency markup fee on this credit card is 3.5% of the total conversion amount.
  • The cash advance fee on this credit card is 2.5% subject to a minimum of Rs. 300 at domestic ATMs and 3% subject to a minimum of Rs. 300 at international ATMs.

Indian Army BoB Yoddha Credit Card Eligibility Criteria

The eligibility criteria that the applicants need to fulfill in order to get approved for the Bank of Baroda Yoddha Credit card are as follows:

  • The applicant should be an Indian Army Personnel.
  • The applicant’s age should be a minimum of 18 years.
  • The applicant should have a decent credit score.

Documents Required

The list of documents required to apply for the Indian Army BoB Yoddha Credit Card is given below:

  • An Identity Proof (such as Aadhar Card, PAN Card, Voter’s ID, Passport, etc).
  • Proof of being an Indian Army Personnel.
  • Address proof (such as latest utility bills, Aadhar Card, etc).

How To Apply For The Indian Army BoB Yoddha Credit Card?

You can apply for the Indian Army BoB Yoddha Credit Card only if you are an Indian Army Personnel. There are several ways to apply for this card. You can apply for it offline by visiting your nearest BoB branch with all the required documents and filling out the physical application form. To apply online for this card, follow the below-mentioned steps:

  • Visit Bob Financial’s official website.
  • Under the Indian Army Yoddha Credit Card, click on ‘Apply Now.’
  • Fill in all the required details.
  • Complete all the formalities and submit the form.

Bottom Line

The Indian Army Yoddha Credit Card issued by BoB Financial can be considered just the best option for Indian Army personnel as the card offers so many exciting privileges with a zero annual fee. From reward points to lounge access, you get decent benefits across all the categories with this card. Moreover, the free golf rounds with this lifetime free card give it a big plus. So, if you are an eligible individual, you should definitely try to get this card and avail of all its benefits for absolutely free. Another similar card that Bob offers for Indian navy personnel is the BoB Varunah Credit Card. You can also check that out if you are in the Indian Navy. This was the Indian Army BoB Yoddha Credit Card review from our side. Let us know your views on this in the comment section below!

FAQs:

The BoB Indian Army Yoddha Credit Card is lifetime free, i.e, there is no joining or annual membership fee.

Yes, you get 8 free domestic lounge access every year with this credit card.

The interest rate on the Indian Army BoB Yoddha Credit Card is 3.49% per month.

The BoB Yoddha Credit Card is exclusively for Indian Army personnel, so you can get this card only if you are in the Indian army.

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