BOB Indian Army Yodha RUPAY Credit Card
Bank of Baroda
Last updated: Feb 03, 2026
₹0
₹0
3.49%
8 visits/yr
Contents
BOB Indian Army Yodha RUPAY Credit Card is a lifetime free defence credit card designed exclusively for Indian Army personnel. It offers accelerated reward points on groceries and departmental stores, plus everyday rewards on all other eligible spends. Cardholders also enjoy complimentary domestic airport lounge access, milestone benefits like Amazon Prime, and strong accident insurance cover. With RuPay network acceptance across India and growing UPI compatibility, it is a practical, rewards-driven card for Army families.
Features of BOB Indian Army Yodha RUPAY Credit Card which makes it unique
Defence-First Design
Curated specifically for Indian Army personnel with lifestyle and travel benefits that match defence life.
More relevant rewards and privileges for Army families.
Niche defence segment card compared to generic entry-level credit cards.
Lifetime Free Structure
Zero joining and annual fee with no hidden spend-based waiver.
You enjoy full benefits without worrying about minimum annual spends to avoid fees.
Better long-term value than many paid rewards cards in the same segment.
Subscription And Fitness Benefits
Complimentary Amazon Prime membership and Fitpass Pro welcome membership on meeting the required conditions.
Savings on entertainment, shopping, and fitness without extra subscription cost.
Competitive with other lifestyle credit cards that charge annual fees for similar memberships.
Rewards Structure of BOB Indian Army Yodha RUPAY Credit Card
Groceries And Departmental Stores
acceleratedEligible spends at grocery outlets and departmental stores.
Effective cashback of around 2.5% assuming 1 Reward Point = ₹0.25, subject to the latest BOBCARD rewards policy.
Other Retail Spends
baseAll other eligible retail transactions excluding fuel, cash advances and wallet loads.
Approximate cashback equivalent is 0.5% when 1 Reward Point is valued at ₹0.25.
Fuel Transactions
baseFuel spends at petrol pumps.
You do not earn reward points on fuel, but a 1% fuel surcharge waiver applies for transactions between ₹400 and ₹5,000, subject to monthly caps.
Milestones of BOB Indian Army Yodha RUPAY Credit Card
Amazon Prime Membership
₹1,00,000 within 90 days of card issuance. : Complimentary 12-month Amazon Prime membership, as per prevailing BOBCARD offer terms.
Quarterly Lounge Unlock
₹20,000 in the preceding quarter. : Unlocks eligibility for up to 2 complimentary domestic airport lounge visits in the following quarter, subject to issuer’s lounge programme terms.
Fees & Charges of BOB Indian Army Yodha RUPAY Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.49% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹300 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free credit card with no joining or annual fee; no spend-based waiver required.
Fee Explanation Fees and charges follow the standard Bank of Baroda/BOBCARD schedule. Late payment fee is slab-based (₹0–₹1,300 depending on outstanding amount). Overlimit and cash advance fees are typically 2.5–3% with minimum amounts. Always refer to the latest MITC (Most Important Terms and Conditions) on the official BOBCARD website for updated figures.
Detailed Explanation of BOB Indian Army Yodha RUPAY Credit Card Fees
Joining Fee: ₹0 (one-time)
Lifetime free; no joining fee.
Annual Fee: ₹0 (yearly)
Lifetime free; no annual renewal fee.
Foreign Currency Markup: 3.49% (transaction)
Charged on international transactions as per BOBCARD forex policy.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 on domestic ATMs; higher slabs may apply on international ATMs.
Late Payment Fee: ₹100–₹1,300 (per statement)
Slab-based as per total outstanding amount for the statement cycle.
Overlimit Penalty: 2.5% (event)
2.5% of overlimit amount, subject to a minimum of around ₹600.
Fuel Surcharge: 1% waiver (transaction)
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000; capped at ₹250 per month.
Lounge Access Benefits with BOB Indian Army Yodha RUPAY Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 8 complimentary domestic airport lounge visits per year (maximum 2 per quarter) after achieving eligible quarterly spends, as per BOBCARD lounge access terms.
international Lounges
silverVisits per year: 0
Guest access: No
No complimentary international lounge access on this card.
Insurance Coverage with BOB Indian Army Yodha RUPAY Credit Card
Personal Accident Insurance
₹20,00,000Accidental death cover (air and non-air) for the primary cardholder, subject to policy terms mentioned in the MITC and insurance certificate.
Lost Card Liability
As per issuer policyZero liability on fraudulent transactions after reporting card loss to BOBCARD customer care, subject to timely reporting and investigation.
Additional Features of BOB Indian Army Yodha RUPAY Credit Card
Contactless Payments
Tap-and-pay enabled RuPay contactless card.
Contactless limits and PIN-less transactions as per RBI and issuer guidelines.
Add-On Cards
Add-on cards available for eligible family members.
Overall credit limit shared with the primary card; KYC and eligibility norms apply.
UPI On RuPay
Can be linked to UPI apps that support RuPay credit cards for online and offline payments.
Subject to NPCI and issuer enablement on supported UPI apps.
EMI Conversion
Option to convert high-value purchases into EMIs.
Available on eligible transactions above the minimum amount, at applicable interest rates and processing fees.
Welcome Bonus with BOB Indian Army Yodha RUPAY Credit Card
Welcome Bonus: 500 reward points + 6-month Fitpass Pro membership.
Bonus Conditions: Earn 500 bonus reward points on cumulative spends of ₹5,000 within 60 days of card issuance. Complimentary 6-month Fitpass Pro membership is activated after your first eligible transaction, as per Bank of Baroda and BOBCARD terms.
Application Process for BOB Indian Army Yodha RUPAY Credit Card
Processing Time
Typically 5–7 working days after successful verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official BOBCARD Indian Army Yoddha credit card page or Finanjo card detail page and click on Apply.
Enter your mobile number, personal details and Indian Army service information.
Upload KYC documents like PAN, Aadhaar, address proof and income proof as requested.
Complete mobile OTP and additional verification steps, if any.
On approval, your credit limit is assigned and the physical card is dispatched to your communication address, usually within 5–7 working days.
Required Documents for BOB Indian Army Yodha RUPAY Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Service Proof
Indian Army personnelAccepted documents:
BOB Indian Army Yodha RUPAY Credit Card Merchant Acceptance Network
Domestic Acceptance
High acceptance at most POS and online merchants across India that support RuPay credit cards.
International Acceptance
Accepted at overseas merchants and ATMs on RuPay’s international partner networks, though coverage may be narrower than Visa or Mastercard in some countries.
Online Acceptance
Widely accepted on Indian e-commerce, bill payment and OTT platforms that support RuPay credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Indian Army Yodha RUPAY Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian citizen; exclusively for serving and eligible Indian Army personnel.
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Available only to eligible Indian Army personnel as per Bank of Baroda and BOBCARD internal policy. Final approval depends on income profile, internal risk checks and credit bureau score.
How Approval Is Decided
- Applicant must be an eligible Indian Army personnel.
- Minimum income as per Bank of Baroda’s internal policy (commonly around ₹25,000 monthly for similar cards).
- Satisfactory credit history and credit score, generally 700 or above.
- Successful completion of KYC and internal risk assessment by Bank of Baroda/BOBCARD.
Pros of BOB Indian Army Yodha RUPAY Credit Card
- Lifetime free with no joining or annual fee.
- High 5X reward rate (10 Reward Points/₹100) on groceries and departmental stores.
- Complimentary domestic airport lounge access when you meet spend criteria.
- Valuable Amazon Prime and Fitpass Pro memberships on meeting welcome and milestone conditions.
- Good accident insurance cover for defence personnel.
Cons of BOB Indian Army Yodha RUPAY Credit Card
- Eligibility restricted to Indian Army personnel only.
- No complimentary international airport lounge access.
- No reward points on fuel transactions (only surcharge waiver).
- Foreign currency markup is on the higher side compared to some premium travel cards.
- Benefits may change based on partner tie-ups; users must track latest terms.
Frequently Asked Questions about BOB Indian Army Yodha RUPAY Credit Card
Is there any joining or annual fee on the BOB Indian Army Yodha RuPay Credit Card?
No. The BOB Indian Army Yodha RuPay Credit Card is a lifetime free defence credit card with zero joining fee and zero annual fee.
Who is eligible for the BOB Indian Army Yodha RuPay Credit Card?
This card is designed exclusively for eligible Indian Army personnel who meet Bank of Baroda’s internal income and credit norms. You must be an Indian citizen aged 18 years or above with a satisfactory credit profile.
How do reward points work on this Indian Army credit card?
You earn 10 Reward Points per ₹100 on eligible spends at groceries and departmental stores and 2 Reward Points per ₹100 on other retail spends. Reward points can typically be redeemed for vouchers, merchandise or cashback, with an indicative value of around ₹0.25 per point, subject to the latest BOBCARD rewards policy.
Does the BOB Indian Army Yodha credit card offer airport lounge access?
Yes. You get up to 8 complimentary domestic airport lounge visits per year, capped at 2 visits per quarter. In most cases, you must achieve minimum quarterly spends (for example ₹20,000 in the previous quarter) to unlock lounge access, as per the current BOBCARD lounge programme rules.
What insurance benefits are available on this card?
The card includes a personal accident cover of up to ₹20 lakh for the primary cardholder, along with zero liability on fraudulent transactions after timely reporting of loss. The exact coverage and exclusions are mentioned in the insurance policy and MITC from BOBCARD.
How can I apply for the BOB Indian Army Yodha RuPay Credit Card online?
You can apply through the official BOBCARD website’s Indian Army Yoddha application page by entering your mobile number, personal details and service information, completing KYC and submitting required documents. After verification and approval, the card is typically dispatched within a few working days.
Do I earn reward points on fuel, cash withdrawal or wallet loading transactions?
Generally, reward points are not awarded on fuel, cash advances, EMI conversions, wallet loads and other excluded categories. However, you may still get a 1% fuel surcharge waiver on eligible fuel spends as per the current terms. Always check the latest BOBCARD MITC for the precise list of excluded transactions.
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