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Indian Army YODDHA BOB Credit Card – Defence Card with Rewards Benefits

Home Credit Card Bank of Baroda Indian Army YODDHA BOB Credit Card – Defence Card with Rewards Benefits

YODDHA Bank of Baroda credit card is designed exclusively for the Indian army personnel with a great rewards program. The cardholders can earn accelerated reward points of up to 10 points on every Rs. 100 spent on grocery and departmental store spends. Several other benefits, like complimentary health and entertainment memberships, welcome rewards, lounge access, and insurance cover are also offered, making this card a great choice for the users. Read on to know more about the BOB YODDHA credit card.

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Updated: 10-12-2025 11:14:23 AM

Key Highlights of Indian Army YODDHA BOB Credit Card
Indian Army YODDHA BOB Credit Card
Best Suited For Reward Points
Joining Fee Nil
Annual Fee Nil
Welcome Benefit 1000 reward points on card activation within 30 days
Best Feature 10 reward points per Rs. 100 spent on grocery & departmental stores
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Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the BoB Financial website.

Features & Benefits of Indian Army YODDHA BOB Credit Card
Should You Apply for Indian Army YODDHA BOB Credit Card
Fees and Charges: Indian Army YODDHA BOB Credit Card
Eligibility & Documentation for Indian Army YODDHA BOB Credit Card
Other Similar Credit Cards
FAQs

Features & Benefits of Indian Army YODDHA BOB Credit Card

The Indian Army YODDHA credit card offers the following features and benefits to its users:

Welcome Benefit

  • 1,000 reward points on activating the credit card within 30 days of issuance

Complimentary Membership

  • Complimentary FITPASS Pro membership worth Rs. 15,000 for 6 months

Reward Benefits

  • 5X, that is, 10 reward points on every Rs. 100 spent on grocery and departmental stores
  • 2 reward points on every Rs. 100 spent on other categories

Milestone Benefits

  • Amazon Prime membership for 12 months on spending at least Rs. 1 lakh within 90 days of card issuance

Lounge Access

  • 8 complimentary airport lounge access every year, limited to 2 visits per calendar quarter, subject to spends of Rs. 20,000 in the previous quarter.

Other Features & Benefits

  • Golf Lessons/Games: 4 complimentary golf lessons or games every year, that is, 1 game per quarter
  • Fuel Surcharge Waiver: 1% waiver of up to Rs. 250 per statement cycle on all fuel transactions between Rs. 400 and Rs. 5,000
  • Concierge Service: 24×7 assistance for international and domestic concierge services
  • Insurance Cover: Free air and non-air accidental death cover of 20 lakh
  • No Lost Card Liability: Zero liability on any fraudulent transactions done via the lost card on reporting the card loss immediately
  • Add-on Cards: 3 free add-on cards for family members above the age of 18 years

W.e.f Jan 2025, a 1% processing fee will be applicable on wallet loading transactions, utility transactions above Rs. 50,000 and fuel transactions above Rs. 10,000.

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Should You Apply for Indian Army YODDHA BOB Credit Card

This BOB credit card comes with one of the strongest rewards programs as compared to other credit cards for defence personnel. With 10 reward points per Rs. 100 spent on departmental stores and groceries and 2 points on all other category spends, you can get assured reward points on every Rs. 100 spent using this card. 

Furthermore, this card also provides health and lifestyle offers in the form of complimentary FITPASS Pro and Amazon Prime memberships, along with golf lessons/games. Although, the Amazon Prime membership can only be availed on reaching the spending milestone of Rs. 1 lakh within 90 days of card issuance. Apart from these, you also get travel benefits in the form of 8 free airport lounges access annually with concierge service assistance. These benefits, with zero annual fee, make up a great package for anyone who is looking for a defence credit card with good rewards benefits.

You can also check out the best rewards credit cards to explore more options with competitive rewards and benefits.

Fees and Charges: Indian Army YODDHA BOB Credit Card

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

Click here to check associated charges, along with other terms and conditions.

Eligibility & Documentation for Indian Army YODDHA BOB Credit Card

The basic eligibility criteria and the documents required for this Bank of Baroda credit card are as follows:

Criteria  Details
Age 18 years and above
Occupation Indian Army Personnel
Documents Required Click here to view the list

Other Similar Credit Cards

Check out the table given below to check other credit cards for defence personnel with reward benefits similar to the YODDHA Bank of Baroda credit card:

Credit Card Annual Fee Key Feature
Shaurya SBI Credit Card Rs. 250 5X Reward Points on CSD, Dining, Movies, Departmental Stores & Grocery
Axis Pride Platinum Credit Card Rs. 250 4 EDGE Rewards Points on every Rs. 200 spent
BOB Vikram Credit Card Nil 5 reward points for every Rs. 100 spent on grocery, movies & departmental stores
Kotak Veer Select Credit Card Rs. 599 9 reward points per Rs. 200 spent on dining, grocery, movies & departmental stores

FAQs

Q. Why are no reward points credited to my account on my fuel spends done via BOB YODDHA credit card?
A. The fuel spends on which the surcharge waiver is applied do not qualify for any BOB reward points. So, you can earn reward points on only those fuel transactions which do not fall within the range of Rs. 400 to Rs. 5,000.

Q. Can I make contactless payments using my YODDHA BOB credit card?
A. Yes, you can make contactless payments of up to Rs. 5,000 using your YODDHA credit card.

Q. Can I convert my purchase into EMIs using YODDHA BOB credit card?
A. Yes, you can convert any purchase of at least Rs. 2,500 into smart EMIs of 6 to 36 months.

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