HomeCredit CardsIndian Army YODDHA BOBCARD Credit Card
Indian Army YODDHA BOBCARD Credit Card

Bank of Baroda

Indian Army YODDHA BOBCARD Credit Card

rupayselectcredittravelshopping

Annual Fee

Lifetime Free

Base Reward

2% points

Foreign Markup

3.5% of the total transaction amount.

Apply Now
4.5/5
VerifiedLast updated 26 May 2026

Welcome Benefits

Get 6-Month Complimentary Fitpass Pro Membership

Product Highlights

  • Lifetime free credit card
  • Get a complimentary 6-month Fitpass Pro membership
  • Get up to 10 Reward Points on every spend of ₹100
  • Get complimentary domestic lounge access every year
  • Insurance coverage is worth ₹20 lakhs in the case of a personal accident

Category Rewards

Specialty

5X on departmental stores

5X

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
Amazon

Amazon

10 Reward Points for every ₹100 spent

10X

Reward Calculator

Earns ₹1,500/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹13K

across all your buckets

Points / yr

6K

BOBCARD Reward Points

Best worth

₹1.5K

via standard · ₹0.25/pt

Effective rate

0.96%

Annual fee

FREE

Year 1 net

+₹1,500

Year 2+ net

+₹1,500

ongoing

Adjust your spend by reward bucket

2 buckets
2.50%5X on departmental stores
₹3,000/mo
Earns 300 bobcard reward points / mo≈ ₹75 worth/mo
0.50%All other spends
₹10,000/mo
Earns 200 bobcard reward points / mo≈ ₹50 worth/mo

Real Reward Ceiling

Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.

5X on departmental stores

Headline: 2.50% effective

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, rent, wallet, emi, cash advance, government

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

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

Reward Points — Redemption Value
  • 1 Reward Point = ₹0.25

Benefits & Features

Domestic: 8 Free Domestic Airport Lounge Access Each Year. (2 Per Quarter on Spends of ₹20,000 in the Previous Quarter.) Complimentary domestic lounge access every year.

Pros & Cons

Pros

  • Lifetime free credit card
  • Complimentary 6-month Fitpass Pro membership
  • Up to 10 Reward Points on every spend of ₹100
  • Complimentary domestic lounge access every year
  • Free Amazon Prime membership on achieving the spend milestone

Cons

  • Exclusively for Indian Army personnel
  • No international lounge access mentioned

Additional Info

Important note 1

Note 2

Maximum waiver per month is capped at ₹250.

Partner Merchants

Amazon

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual FeeFREE
Joining FeeNil
Foreign Markup3.5% of the total transaction amount.
Interest Rate3.49% per month
Cash Advance2.5% or minimum ₹300 at domestic ATMs, and 3% or a minimum of ₹300 at international ATMs.
Redemption FeeNil

Eligibility

Min Age

18 yrs

Networks

rupay