Indian Army YODDHA
Rewards & Benefits
Welcome Benefits
Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending ₹5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of 1 Lakh within 90 days of issuance of the card.
Milestone Benefits
Cashback Rate
1 reward point =0.25 paise.
5X reward points on departmental stores, and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month).
2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for ₹0.25 per reward point. (General cashback rate 0.50%).
Movie Benefits
Dining Benefits
Other Benefits
Lifetime free credit card.
Lounge Access
Fees & Charges
Joining Fee
NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
Cash advance fee: Transaction fee of 2.5% or ₹500 whichever is higher
Interest rate
3.49% per month, 41.88% per annum.
Late Payment Fee
Late payment charges: INR100 to INR1300.
Foreign Currency Transactions Fee
Foreign currency markup fee: 3%
Other Fees
Fuel surcharge: 1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. Maximum 250 per statement cycle.
Cons
No dining benefits.
No milestone benfits.
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending ₹5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of 1 Lakh within 90 days of issuance of the card.
Reward system: 1 reward point =0.25 paise. 5X i.e. 10 reward points on departmental stores, and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month). 2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for ₹0.25 per reward point. (General cashback rate 0.50%).
Users will get 8 complimentary access at domestic airport lounges per year, twice every quarter.
Lifetime free credit card.
5X reward points on spending on departmental stores, and movies.
Rewards & Benifits
Welcome Benefits
Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending ₹5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of 1 Lakh within 90 days of issuance of the card.
Rewards System
International Forex Markup
3%
Welcome Benefits and Reward System
Special Features
This credit card is specially designed for personnel of the Indian Army & Indian Army Veterans. Veer Nari and Cadet and it is lifetime free credit card.
Eligibility Criteria
The applicant must be designated personnel of the Indian Army & Indian Army Veterans. Veer Nari and Cadet.
Age: 18 to 70 years (Primary Cardholder). Above 18 years (Add-on Cardholder).
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online Application:
Applying online is quick and convenient. Follow these steps: Visit the BOBCARD website.
Click on the “Apply Now” button.
Fill out the online application form with the necessary details.
E-sign using your Aadhaar card.
Verify your identity via Video KYC (Know Your Customer).
Offline Application:
If you prefer an offline approach, visit your nearest Bank of Baroda (BoB) branch. Here’s what you’ll need:
Required Documents: Photocopy of your PAN card.
Proof of being an Indian Army personnel.
Address proof (such as Aadhaar Card or latest utility bills).
Income proof (salary slip or bank statement).
Passport-sized photograph.
Contact Details
Toll Free Nos. 1800 2665 100 & 1800 2667 100
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome benefit: Users will get a complimentary 6-month FITPASS Pro membership worth Rs 15000. Users will get 500 reward points on spending ₹5,000 within 60 days of card issuance. 12 months of Amazon Prime membership on spending a minimum of 1 Lakh within 90 days of issuance of the card.
Reward system: 1 reward point =0.25 paise. 5X i.e. 10 reward points on departmental stores, and movies. ( Effective cashback rate: 2.5%). (Maximum 1000 reward points per month). 2 reward points for every ₹100 spent on any other category. Reward points can be redeemed as cashback for ₹0.25 per reward point. (General cashback rate 0.50%).
Users will get 8 complimentary access at domestic airport lounges per year, twice every quarter.
Lifetime free credit card.
5X reward points on spending on departmental stores, and movies.
No dining benefits.
No milestone benfits.
The card comes with standard value add features. The cashback offered by the card is below par.
The card comes with standard value add features. The cashback offered by the card is below par.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining Fee: NIL
Annual membership fee: NIL
Interest rate: 3.49% per month, 41.88% per annum.
Cash advance fee: Transaction fee of 2.5% or ₹500 whichever is higher
Foreign currency markup fee: 3%
Late payment charges: INR100 to INR1300.
Fuel surcharge: 1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. Maximum 250 per statement cycle.
Fuel Surcharge
1% subject to a minimum transaction of INR 400 and a maximum transaction of INR 5000. Maximum 250 per statement cycle.
Billing Cycle
Up to 50 days