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Made with ❤️ in India
Last updated: 30 May 2026
HomeCredit CardsBank of BarodaIndian Army YODDHA BOBCARD
Bank of Baroda

Indian Army YODDHA BOBCARD

Mixed RuPay Platinum
4.5/5.0CardwiseHQ Review
0
Primary Reward
10 Reward Points per ₹100 (5X) on Departmental Stores
Fee Waiver
Not applicable (Lifetime Free)
4.5/5
Excellent
Fees & ChargesRewards & CashbackFeatures & BenefitsEligibilityPros & ConsExpert Verdict

A lifetime free credit card exclusively for Indian Army personnel and veterans, packed with travel, shopping, and lifestyle benefits.

Fees & Charges

Indian Army YODDHA BOBCARD · Detailed fees & charges

ParticularsDetails
Joining / 1st Year Fee₹ 0
Annual / Renewal Fee₹ 0
Fee Waiver ConditionNot applicable (Lifetime Free)

Rewards & Cashback

Indian Army YODDHA BOBCARD · Detailed rewards & cashback

ParticularsDetails
Reward TypeMixed
Primary Reward Rate10 Reward Points per ₹100 (5X) on Departmental Stores
Secondary Reward Rate2 Reward Points per ₹100 on other categories
Max Cashback / Rewards (Monthly)1000 Reward Points (5X) on departmental stores per month
Welcome / Joining Bonus500 bonus reward points on spends of ₹5,000+ within 60 days + Complimentary 12 Months FITPASS PRO Membership worth ₹48000
Milestone Benefits12 Months Amazon Prime Membership on spending min. ₹1 Lakh within 90 days
Reward ExclusionsFuel, select MCCs

Features & Benefits

Indian Army YODDHA BOBCARD · Detailed features & benefits

ParticularsDetails
Airport Lounge Access✓ Available
Lounge Access Details8 complimentary domestic airport lounge access per year (twice every quarter); subject to ₹20,000 spend in preceding quarter from Jan 1, 2025
Fuel Surcharge Waiver✓ Available
Fuel Surcharge Details1% waiver on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle)
Insurance Coverage₹20 Lakhs Personal Accidental Death Cover (Air / Non-Air)
EMI Conversion Available✓ Available
Contactless Payment✓ Available
Add-on Card Available✓ Available

Eligibility

Indian Army YODDHA BOBCARD · Detailed eligibility

ParticularsDetails
Minimum Age18
Card NetworkRuPay
Card VariantPlatinum
Best ForIndian Army Personnel, Departmental Store Shoppers, Travelers

Pros & Cons

Advantages
  • Lifetime Free credit card with no joining or annual fees.
  • Complimentary domestic airport lounge access (8 per year).
  • Accelerated 5X Reward Points (10 RP per ₹100) on Departmental Stores.
  • Valuable welcome bonus (FITPASS PRO Membership) and milestone benefit (Amazon Prime Membership).
  • Free Personal Accidental Death Cover of ₹20 Lakhs.
  • 1% Fuel Surcharge Waiver.
Disadvantages
  • 5X rewards on departmental stores are capped monthly (1000 Reward Points).
  • Lounge access becomes conditional on minimum spends from January 2025.
  • Exclusive eligibility for Indian Army personnel.

CardwiseHQ Expert Verdict

Our editorial team's comprehensive assessment

4.5/5
Excellent
Overall Editor Rating
Best For: Indian Army Personnel, Departmental Store Shoppers, Travelers

Indian Army YODDHA BOBCARD by Bank of Baroda is rated 4.5/5 by our editorial team. A lifetime free credit card exclusively for Indian Army personnel and veterans, packed with travel, shopping, and lifestyle benefits..

About Indian Army YODDHA BOBCARD

The Indian Army YODDHA BOBCARD is a specially designed credit card for personnel and veterans of the Indian Army, including Veer Nari and Cadets. It stands out as a lifetime free card with no joining or annual fees, offering a comprehensive suite of lifestyle, travel, and shopping benefits tailored to its dedicated user base. Cardholders are entitled to exclusive memberships such as a complimentary FITPASS PRO membership as a welcome gift and an Amazon Prime membership upon achieving a spending milestone. Travel benefits include generous complimentary domestic airport lounge access, while shopping delights come in the form of accelerated reward points on departmental store purchases. The card also incorporates essential financial safeguards like personal accidental death cover and a fuel surcharge waiver, making it a well-rounded and valuable offering for its beneficiaries.

Quick Facts

Card NetworkRuPay
Card VariantPlatinum
Lounge Access✓ Yes
Fuel Waiver✓ Yes
Contactless✓ Yes