Indian Army YODDHA BOBCARD Credit Card
The Indian Army YODDHA BOBCARD Credit Card is a mid co-branded credit card from Bank of Baroda and Indian Army, with a joining fee of ₹0 + GST.
It earns up to 10 pts per ₹100 (≈1.8% value) on Indian Army spends in the form of reward points (points).
Cardholders get 2 quarterly domestic airport lounge access, plus 500 bonus reward points as a welcome benefit.
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
- 10 pts per ₹100 on departmental stores (cap 1000 points / monthly)
- Base 0.36% on other spends
- 500 bonus reward points
BoBselectmidLifetime freeCo-brand · Indian ArmyRewards and Benefits
- ₹1,00,000 / annual: 12 months Amazon Prime membership on ₹1,00,000 spend within 90 days
- personal accident: ₹20,00,000
- Add-on cards — Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹144/mo
You spend ₹8,000 · earns 1.8% = ₹144 uncapped
- Capped at ₹180/mo
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹54/mo
- Dining & food delivery₹8,000 · 0.4% = ₹29/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.4% = ₹36/mo
- Utilities & bills₹5,000 · 0.4% = ₹18/mo
₹3,370 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded mid card by Bank of Baroda and Indian Army.
- Lifetime free — no joining or annual fee.
- Available on the RuPay network.
- Complimentary airport lounge access: domestic (2/quarterly).
- Insurance cover bundled: personal accident.
Pros & Cons
- Lifetime-free — no joining or annual fee.
- Complimentary domestic airport lounge access (2/quarterly).
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹125 welcome benefit
- 500 bonus reward pointsSpend ₹5,000 or more within 60 days of issuanceWindow: 60 days from issuance.
Accelerated rewards
- 10 pts per ₹100 on departmental stores (cap 1000 points / monthly)
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹1,00,000 / annual: 12 months Amazon Prime membership on ₹1,00,000 spend within 90 days (≈ ₹1,499 value)
Airport lounge access
Insurance benefits
- personal accident: ₹20,00,000Air / Non-Air accidental death cover.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Other benefits
- Add-on cards. Up to 3 lifetime-free add-on cards for spouse, parents, siblings or kids (18+).
Sources
- : www.bobcard.co.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–65
- Credit score
- 720+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.
Designated personnel of the Indian Army, Army veterans, Veer Nari and cadets.