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BOBCARD Yoddha

Bank of Baroda |
Lifestyle Lifetime Free Rewards Shopping Travel

Annual Fee

FREE

Rewards/₹100 ⓘ

₹0.50 - ₹2.50

Normalized to balance base rate with bonus categories

Interest Rate

41.88%

Credit Score

700+

At a Glance

Key Benefits

Lifetime free, 5X grocery rewards, 8 lounge visits, Rs 20L insurance, Amazon Prime, golf benefits

Lounge Access

8 domestic lounge visits/year (2 per quarter) on Rs 20,000 quarterly spend

Eligibility

Age: 18-65 years, Exclusively for Indian Army personnel, veterans, Veer Nari, and cadets

Quick Details

Annual Fee
FREE #1
Joining Fee
FREE #1
Interest Rate
41.88% p.a. #88
Forex Markup
3.50% #75
Rewards/₹100
₹0.50 - ₹2.50 #114
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
Min Credit Score
700+ #54
Min Monthly Income ₹20
Network RUPAY
Card Replacement Fee 100
Late Payment Fee ₹500
Over Limit Fee ₹500 2.50% (min ₹500)
Cash Advance Fee ₹300 2.50% (min ₹300)
Card Replacement Fee ₹100

Reward Structure

Base

All Spends

₹0.50 /₹100
Cat

Grocery & Departmental Stores (5X Rewards)

₹2.50 /₹100

Reward Calculator

₹
Allocate by Category 100%
Grocery & Departmental Stores (5X Rewards)
10.0 pts
60% ₹0
Other Spends
2.0 pts
40% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

1,000 reward points (worth Rs 250) on card activation within 30 days of issuance

Spend ₹1 within 30 days

₹1,250

value

Welcome Bonus

500 bonus reward points (Rs 125) on Rs 5,000 spend within 60 days + Complimentary 6-month FITPASS Pro membership (worth Rs 15,000)

Spend ₹5,000 within 60 days

₹15,125

value

Milestone

Amazon Prime membership for 12 months (worth Rs 1,499)

Spend ₹1,00,000 within 90 days

₹1,499

value

Airport Lounge Access

Domestic Free
2

visits per quarter

Requires Rs 20,000 spend in preceding calendar quarter (effective Jan 1, 2025). Total 8 visits per year, capped at 2 per quarter.

Insurance Coverage

Accidental Death

₹20,00,000

Personal Accidental Death Cover of Rs 20 lakhs (including air and non-air accidents)

Lifestyle Perks

Golf

4 /year

4 complimentary golf lessons or games per year (1 per quarter)

Fuel

1 /month

1% fuel surcharge waiver on transactions between Rs 400-5,000, capped at Rs 250 per monthly statement cycle (max fuel spend Rs 25,000/month)

Other

1

24x7 concierge services for domestic and international assistance

Other

1

Contactless payments up to Rs 5,000

Other

1

Reward points redemption as cashback at Rs 0.25 per point

Quick Analysis

BOBCARD Yoddha is an excellent lifetime free credit card exclusively for Indian Army personnel and veterans. The card offers solid value through 5X rewards on groceries, complimentary lounge access, comprehensive insurance coverage, and premium benefits like Amazon Prime membership and golf access. While the base reward rate is modest, the zero annual fee structure and military-focused benefits make it a must-have card for eligible defense personnel.

Pros

  • Lifetime free credit card with no joining or annual fees
  • 5X reward points (10 RP per Rs 100) on grocery and departmental stores
  • Welcome benefits: 1,000 reward points + 6-month FITPASS Pro membership (Rs 15,000 value)
  • 8 complimentary domestic airport lounge visits per year
  • Free Amazon Prime membership for 12 months on Rs 1 lakh spend in 90 days
  • Accidental death insurance coverage of Rs 20 lakhs
  • 4 complimentary golf lessons or games per year
  • 1% fuel surcharge waiver (up to Rs 250/month)
  • 24x7 domestic and international concierge services
  • Exclusively designed for Indian Army personnel and veterans

Cons

  • Low base reward rate of only 2 points per Rs 100 (0.5%)
  • 5X rewards capped at 1,000 reward points per month
  • Lounge access requires Rs 20,000 quarterly spend (effective Jan 2025)
  • High forex markup of 3.5% on international transactions
  • High interest rate of 41.88% per annum
  • Limited to Indian Army personnel, veterans, Veer Nari, and cadets only
  • Fuel transactions not eligible for reward points
  • UPI transactions don't qualify for bonus rewards
  • Relatively low point value at Rs 0.25 per point

Best For

Indian Army personnel, veterans, defense families, grocery shoppers, frequent flyers

Not Ideal For

Non-defense personnel (not eligible), international travelers (high forex markup)

Frequently Asked Questions

Who is eligible for the BOBCARD Yoddha Credit Card?
The BOBCARD Yoddha Credit Card is exclusively available to designated personnel of the Indian Army, Indian Army Veterans, Veer Nari (war widows), and cadets. Applicants must be at least 18 years old. Only Indian Army personnel are eligible for this card.
Is there any joining fee or annual fee for BOBCARD Yoddha?
No, the BOBCARD Yoddha is a lifetime free credit card with no joining fee and no annual membership fee. This makes it extremely valuable for eligible defense personnel.
What are the reward points earning rates?
You earn 10 reward points (5X) per Rs 100 spent on grocery and departmental stores, and 2 reward points per Rs 100 on all other retail spends. The 5X rewards are capped at 1,000 reward points per month. Each reward point is worth Rs 0.25.
What is the value of reward points?
Each reward point can be redeemed for Rs 0.25 cashback. So 1,000 reward points = Rs 250. The points can be redeemed as cashback on your statement.
What are the airport lounge access benefits?
Cardholders get 8 complimentary domestic airport lounge visits per year, limited to 2 visits per calendar quarter. However, effective January 1, 2025, this benefit requires minimum spending of Rs 20,000 in the preceding calendar quarter.
What are the welcome benefits?
You receive 1,000 reward points (worth Rs 250) if you activate the card within 30 days of issuance. Additionally, you get 500 bonus reward points on spending Rs 5,000 within 60 days, plus a complimentary 6-month FITPASS Pro membership valued at Rs 15,000.
How can I get free Amazon Prime membership?
You will receive a 12-month Amazon Prime membership (worth Rs 1,499) if you spend at least Rs 1 lakh within 90 days of card issuance.
What insurance coverage does the card provide?
The card provides Personal Accidental Death Coverage of Rs 20 lakhs, which includes both air and non-air accidents. This ensures financial protection for your family.
What is the fuel surcharge waiver benefit?
You get a 1% fuel surcharge waiver at all fuel stations across India on fuel transactions between Rs 400 and Rs 5,000. The waiver is capped at Rs 250 per monthly statement cycle, with a maximum qualifying fuel spend of Rs 25,000 per month.
Are there any golf benefits?
Yes, cardholders receive 4 complimentary golf lessons or games every year, which means 1 golf game per quarter at partner golf courses.
What is the forex markup on international transactions?
The foreign currency markup fee on this credit card is 3.5% of the total conversion amount on international transactions.
What is the interest rate on unpaid balances?
The interest rate is 3.49% per month (41.88% per annum) on unpaid balances. You get up to 50 days interest-free period if you pay the full balance by the due date.
Do fuel transactions earn reward points?
No, fuel transactions are not eligible for reward points. However, you can still benefit from the 1% fuel surcharge waiver on qualifying transactions.
Do UPI transactions earn bonus rewards?
UPI transactions are eligible only for core (base) reward points at 2 points per Rs 100. They do not qualify for the 5X bonus rewards on grocery and departmental stores.
What is the monthly cap on 5X rewards?
The 5X rewards (10 points per Rs 100) on grocery and departmental stores are capped at 1,000 reward points per month. After reaching this cap, further spends in those categories will earn points at the regular rate of 2 points per Rs 100.

User Reviews

Our Rating

4.3
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on Bank of Baroda's website

Rating Breakdown

Rewards
4.2/5 Top 32%
Benefits
4.2/5 Top 9%
Fees
4.9/5 Top 5%
Value for Money
4.5/5 Top 4%
User Reviews
3.0/5 Top 50%

Important Links

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