Summary
The Indian Army YODDHA BoB Credit Card is designed for Indian Army personnel, catering to their lifestyle with special rewards, discounts, and benefits. The card looks patriotic and bold, with the Indian Army logo boldly displayed to represent honor and service.
One of the greatest advantages of this card is its reward points system, where the customers get 5 reward points for every ₹100 spent in Army Canteens (CSDs), restaurants, and departmental stores and 1 reward point for every ₹100 for any other purchase. In this manner, there is maximum saving on everyday items.
To cut costs further, the card provides a 1% fuel surcharge on spends between ₹400 and ₹5,000, lowering the cost of fuel. The travel benefits include complimentary domestic airport lounge access every quarter, making traveling more convenient.
Introduction
Indian Army personnel are a vital part of our security, and to honor their courage and dedication, the Bank of Baroda (BOB) has specially introduced the “Indian Army YODDHA BOB Credit Card”. The Indian Army YODDHA BOB Credit Card is designed to keep the members of the Indian Army in mind so that they can not only make their financial management easier but also get special benefits.
Indian Army YODDHA Bank of Baroda Credit Card helps them with everyday expenses as well as big financial transactions, along with many special features and rewards. Through the Indian Army YODDHA Bank of Baroda Credit Card, Army personnel get benefits like cashback and reward points in shopping, travel, health, and other key areas. Apart from this, the annual fee waiver and easy EMI option associated with the Indian Army YODDHA Bank of Baroda Credit Card make it even more attractive.
The credit card not only understand the needs of the army personnel but also helps them a lot in becoming financially independent and empowered. The main objective of the Indian Army YODDHA Bank of Baroda Credit Card is to honor the Indian Army soldiers by understanding their financial needs. It is a means for those brave soldiers who are engaged in serving the country day and night.
In today’s article, we will discuss in detail the Indian Army YODDHA Bank of Baroda Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of the Indian Army YODDHA Bank of Baroda Credit Card and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the Indian Army YODDHA BOB Credit Card?
This Card is a Bank of Baroda (BOB) specially designed credit card for Indian Army personnel. Indian Army YODDHA BOB Credit Card is intended to ease relief for army personnel in day-to-day outgo and enjoy special privileges.
Indian Army YODDHA Bank of Baroda Credit Card offers discounts, cashback, and reward points on purchases, travel, healthcare, and other services. Apart from this, facilities such as waiver of annual fees and simple EMI services are also available.
What is the design of the Indian Army YODDHA BOB Credit Card?
Indian Army YODDHA Bank of Baroda Credit Card carries a unique and patriotic appearance representing the heart of the Indian Army. It carries a strong appearance with the Indian Army logo boldly displayed.
The background consists of military features such as camouflage prints, tanks, or soldiers, with a strong and nationalist appearance. It can be accessed through the RuPay payment network, which supports smooth and secure transactions within India.
What are the benefits of the Indian Army YODDHA BOB Credit Card?
Here are its most important advantages:
1. Reward Points Program
5 reward points for every ₹100 spent on:
- Army canteens (CSDs)
- Dining
- Departmental stores
- 1 reward point for every ₹100 on all other spends
2. Waiver of Fuel Surcharge
- 1% fuel surcharge waiver on transactions in the range ₹400 – ₹5,000
3. Airport Lounge Free Access
- Free domestic lounge access every quarter
4. Waiver of Annual Fee
- No annual fee if you spend ₹50,000 or more within a year
5. Special Army Benefits
- Cashback and discount on CSD purchases
- Special offers in Army welfare schemes
What are the Indian Army YODDHA BOB Credit Card fees?
Here is a simple Indian Army YODDHA Bank of Baroda Credit Card fee breakup.
| Joining Fee | NIL |
| Annual Fee | NIL |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an Indian Army YODDHA BOB Credit Card?
The following are the primary requirements:
- To apply for the Indian Army YODDHA Bank of Baroda Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.
- Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an Indian Army YODDHA BOB Credit Card?
The documents that you will have to submit to Getana Indian Army YODDHA Bank of Baroda Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Indian Army YODDHA BOB Credit Card be used?
Here is the list of places where you can use it:
- With the Indian Army YODDHA Bank of Baroda Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your Indian Army YODDHA Bank of Baroda Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Indian Army YODDHA Bank of Baroda Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Indian Army YODDHA BOB Credit Card?
The credit amount you can spend is what you are provided with an Indian Army YODDHA Bank of Baroda Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an Indian Army YODDHA BOB Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Bank of Baroda, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the Indian Army YODDHA Bank of Baroda Credit Card.
- Just hover your cursor on the Indian Army YODDHA Bank of Baroda Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Bank of Baroda branch to apply for the Indian Army YODDHA Credit Card.
- Request for the credit card application form for the Indian Army YODDHA Bank of Baroda Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the Indian Army YODDHA Bank of Baroda Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an Indian Army YODDHA BOB Credit Card in 2025 be right?
Yes, getting an Indian Army YODDHA BOB Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Indian Army YODDHA Bank of Baroda Credit Card is not only a normal credit card but also a symbol of respect towards the soldiers of the army. Bank of Baroda, through the provision of a special facility in the shape of the Indian Army YODDHA Bank of Baroda Credit Card, has understood the financial requirements of those courageous soldiers. With the Indian Army YODDHA BOB Credit Card, soldiers not only get to pay their daily expenses easily but also enjoy special offers and rewards while shopping, traveling, and on health care.
Aside from this, various other benefits of the Indian Army YODDHA Bank of Baroda Credit Card such as the exemption of yearly charges, hassle-free EMI facility, and security services are the other perks. Indian Army jawans who stand guard day and night for the safety of the nation require a secure and hassle-free facility for their finances, and the Indian Army YODDHA Bank of Baroda Credit Card is on the right track.
Indian Army, YODDHA Bank of Baroda Credit Card not only finances them but also respects and rewards our soldiers’ courage and service. Bank of Baroda has demonstrated that they are not only offering financial services but also their respect and honor to the Indian Army staff through this special credit card. Overall, the Indian Army YODDHA Bank of Baroda Credit Card is a needed and handy financial instrument for the army folks, making their life a little bit easier and making it safer.
Frequently Asked Questions (FAQ’s)
Ans: Yes, fraud protection, EMI protection, and many other security features are also offered with Indian Army YODDHA Credit Card, so that you can use it securely.
Ans: Yes, reward points are given on the spends made using the Indian Army YODDHA Credit Card, which may be encashed later.
Ans: Yes, Indian Army YODDHA Bank of Baroda Credit Card can also be utilized for making foreign transactions, so that the army personnel may enjoy its benefits outside the country as well.
Ans: You can pay credit card bills at Bank of Baroda branches, online banking, mobile banking, or auto-debit facilities.
Ans: If you have lost your credit card, report the loss immediately to Bank of Baroda customer care and block the card. You can block it from the online banking application as well.
