Designed with pride for India's bravehearts - The lifetime free card honouring our defence personnel
5X points on groceries & departmental store
6-month FITPASS Pro membership worth ₹15,000
8 complimentary visits annually
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| Benefit | Details |
|---|---|
| Lifetime Free Card | Zero joining fee and zero annual fee forever. |
| Accelerated Rewards on Essential Shopping | Earn 5X reward points (10 points per ₹100) on groceries and departmental stores, capped at 1,000 points per month. |
| Welcome Bonus Points | Get 500 bonus reward points on spending ₹5,000 or more within 60 days of card issuance. Additionally, earn 1,000 reward points if the card is activated within 30 days. |
| Complimentary FITPASS Pro Membership | Receive a 6-month FITPASS Pro membership worth ₹15,000 as a welcome gift. |
| Amazon Prime Membership | Get a 12-month Amazon Prime membership on spending ₹1 lakh within 90 days of card issuance. |
| Airport Lounge Access | Enjoy 8 complimentary domestic airport lounge visits per year (maximum 2 per quarter) with minimum quarterly spend of ₹20,000. |
| RuPay Concierge Services | Access 24/7 domestic and international concierge assistance powered by RuPay. |
| Personal Accident Insurance | Free Accidental Death Cover worth ₹20 lakhs (both air and non-air accidents) to safeguard your family's finances. |
| Fuel Surcharge Waiver | Get 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, with a maximum benefit of ₹250 per statement cycle. |
| Golf Benefits | Enjoy 4 complimentary golf lessons or games per year (1 per quarter). |
| Attribute | Classification |
|---|---|
| Issuer / Provider | BOB Financial Solutions Ltd. (Bank of Baroda) |
| Bank / Non-bank | Bank-affiliated |
| Category | Co-branded / Defence Personnel |
| Type of Card | RuPay Platinum |
| Free or Paid | Lifetime Free |
The Indian Army Yoddha Credit Card is exclusively designed for Indian Army personnel, veterans, Veer Naris, and cadets. This lifetime-free credit card celebrates our nation's heroes with exceptional rewards on everyday essentials like groceries and departmental store shopping, earning 5X reward points (10 points per ₹100). Beyond rewards, it offers premium lifestyle benefits including complimentary FITPASS Pro membership, Amazon Prime membership on milestone spending, and airport lounge access. With built-in personal accident insurance cover of ₹20 lakhs and unique privileges like golf lessons, this card recognises the sacrifices of our defence personnel whilst providing them with tangible financial benefits. It's perfect for army personnel seeking a no-cost credit card that honours their service whilst maximising value on routine expenses.
Exclusive Eligibility: This card is available exclusively to designated personnel of the Indian Army, Indian Army veterans, Veer Naris, and cadets, making it a prestigious honour card for defence personnel.
Global Acceptance: Use your card at millions of RuPay-enabled outlets across India and internationally, including online and offline merchants.
Add-on Cards: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings, or children above 18 years of age at no additional cost.
Cash Withdrawals: Access cash from ATMs worldwide. Daily cash advance limit is subject to available credit limit.
Utility Bill Payments: Conveniently pay electricity, mobile, broadband, and other utility bills using your credit card without hassle.
Smart EMI Options: Convert purchases of ₹2,500 or more into easy monthly instalments ranging from 6 to 48 months, helping manage large expenses efficiently.
Interest-Free Credit Period: Enjoy up to 50 days of interest-free credit from the date of purchase, providing financial flexibility for planned expenses.
Contactless Payments: The card features contactless payment technology with RuPay, allowing secure tap-and-pay transactions up to ₹5,000 without entering your PIN.
Zero Liability Protection: Report card loss immediately to ensure zero liability on any fraudulent transactions, protecting your finances.
5X Reward Points (Accelerated): Earn 10 reward points for every ₹100 spent on:
Grocery stores and supermarkets
Departmental stores
Standard Reward Points: Earn 2 reward points for every ₹100 spent on all other eligible retail purchases.
Monthly Cap: The 5X accelerated rewards are capped at 1,000 reward points per calendar month on grocery and departmental store spends. After reaching this cap, these categories will earn standard reward points (2 points per ₹100).
Note: Reward points are not applicable on fuel transactions, cash withdrawals, balance transfers, EMI conversions, wallet loading transactions, utility payments above ₹50,000, and government-related transactions. Effective January 2025, a 1% processing fee applies on wallet loading, utility transactions above ₹50,000, and fuel transactions above ₹10,000.
Redemption Value: Each reward point can be redeemed at ₹0.25, providing a 1:4 redemption ratio.
Redeem accumulated reward points for:
Cashback: Apply points towards your credit card statement balance as cashback
Gift Vouchers: Exchange points for e-gift vouchers from partner brands available at the BOBCARD Rewards portal
Merchandise: Redeem for products available in the rewards catalogue
Travel Bookings: Use points for travel-related redemptions through the portal
FITPASS Pro Membership: Receive a complimentary 6-month FITPASS Pro membership worth ₹15,000 upon card issuance, giving you access to 7,000+ gyms and fitness centres across India.
Welcome Bonus Points: Earn 500 bonus reward points on spending ₹5,000 or more within 60 days of card issuance.
Activation Bonus: Get an additional 1,000 reward points if you activate your card within 30 days of issuance.
Amazon Prime Membership: Earn a complimentary 12-month Amazon Prime membership (worth ₹1,499) on spending ₹1 lakh within 90 days of card issuance. Enjoy benefits like free fast delivery, Prime Video, Prime Music, and exclusive deals.
Airport Lounge Access
Complimentary Lounge Visits: Enjoy 8 complimentary domestic airport lounge visits per year at participating lounges across India.
Quarterly Limit: Maximum 2 visits per calendar quarter are permitted.
Eligibility: Effective 1st January 2025, lounge access is subject to minimum spending of ₹20,000 in the preceding calendar quarter.
Lounge Benefits: Access premium facilities including complimentary food and beverages, Wi-Fi, comfortable seating, magazines, and charging stations.
24/7 Assistance: Access round-the-clock domestic and international concierge services powered by NPCI-RuPay for:
Travel bookings (flights, hotels, car rentals)
Restaurant reservations
Event ticket bookings
Emergency assistance whilst travelling
Gift delivery services
Note: The concierge service provides booking and scheduling assistance. The cost of booked services will be borne by the cardholder at rates communicated by the concierge centre.
Complimentary Access: Enjoy 4 complimentary golf lessons or games per year (1 per quarter) at premium golf courses across top cities in India, allowing you to pursue leisure activities at prestigious venues.
Comprehensive Coverage: Get free Personal Accidental Death Cover worth ₹20 lakhs (both air and non-air accidents) to ensure financial protection for your family in case of unfortunate events.
Coverage: This insurance provides a safety net, reflecting the card's commitment to the wellbeing of defence personnel and their families.
1% Waiver: Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at fuel stations across India.
Maximum Benefit: The maximum waiver is ₹250 per statement cycle per credit card account.
Note: The GST component is not reversed. The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. Fuel transactions are not eligible for reward points.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹0 | No joining fee. Lifetime free card. |
| Annual Fee | ₹0 | No annual fee. Lifetime free card. |
| Add-on Card Fee | ₹0 | Up to 3 add-on cards free for family members. |
| Finance Charges (Interest Rate) | 3.49% per month (41.88% p.a.) | Interest charged on outstanding balances if not paid by the due date. |
| Cash Advance Fee (Domestic) | 2.5% (Min. ₹300) | Charged on each cash withdrawal at domestic ATMs. |
| Cash Advance Fee (International) | 3% (Min. ₹300) | Charged on each international ATM withdrawal. |
| Foreign Currency Markup | 3.5% of transaction amount | Charged on all international transactions in foreign currency. |
| Late Payment Charges | As per bank policy | Charged if minimum amount due is not paid by the due date. |
| Fuel Surcharge Waiver | 1% on transactions between ₹400–₹5,000 | Maximum benefit of ₹250 per statement cycle. |
| Over-Limit Fee | As per bank policy | Charged if credit limit is exceeded. |
| Cheque Return Fee | Min. ₹300 or 2% (whichever is higher) | Charged on dishonoured cheques or payment instruments. |
| Card Replacement Fee | As per bank policy | Charged for reissuing lost, stolen, or damaged cards. |
| Processing Fee (Wallet/Utility/Fuel) | 1% | Effective January 2025, on wallet loading, utility payments above ₹50,000, and fuel transactions above ₹10,000. |
| Criteria | Details |
|---|---|
Eligibility | Designated personnel of the Indian Army, Indian Army veterans, Veer Naris, and cadets |
Age (Salaried Individuals) | Minimum 18 years |
Age (Self-Employed Individuals) | Minimum 18 years |
Age (Retired Pensioners) | Above 40 years |
Maximum Age | Up to 70 years |
Occupation | Serving or retired Indian Army personnel |
Other Criteria | Valid service certificate or ID card, regular source of income, good credit score (preferably 750+) |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving Licence |
| Address Proof | Aadhaar Card (both sides, with first 8 digits masked), Passport, Voter ID, Driving Licence, or Job Card issued by NREGA |
| Income Proof / Employment Proof | ID card, Service Certificate, or latest salary slip mentioning the rank of the official |
| Photograph | Recent passport-size photograph with clear/white background and without dark/tinted glasses |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your Indian Army Yoddha Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Accelerated Rewards | Use the card for all grocery shopping and departmental store purchases to earn 5X reward points (10 points per ₹100), but be mindful of the 1,000 points monthly cap. |
Activate Early for Bonus | Activate your card within 30 days of issuance to receive 1,000 bonus reward points. |
Achieve Milestone for Amazon Prime | Plan your spending to reach ₹1 lakh within 90 days of card issuance to unlock complimentary 12-month Amazon Prime membership. |
Utilise FITPASS Membership | Make the most of your complimentary 6-month FITPASS Pro membership by accessing gyms and fitness centres across India. |
Maintain Quarterly Spend for Lounge | Spend at least ₹20,000 per quarter to remain eligible for complimentary airport lounge access (2 visits per quarter). |
Redeem Points Strategically | Accumulate reward points and redeem them as cashback at ₹0.25 per point, or exchange for gift vouchers and merchandise. |
Convert Large Purchases to EMI | For purchases above ₹2,500, consider converting to Smart EMIs (6-48 months) to manage cash flow better. |
Use Golf Benefits | Take advantage of the 4 complimentary golf lessons or games per year at premium golf courses. |
Enable Transaction Alerts | Set up SMS and email alerts to track all transactions and remain informed about your spending and rewards accumulation. |
Pay Bill on Time | Always pay your credit card bill on time to avoid interest charges and maintain a good credit score. |
Use Contactless Payments | Tap your card at contactless-enabled terminals for quick payments up to ₹5,000 without entering your PIN. |
The Indian Army Yoddha Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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