Summary
The Indian Army YODDHA BOBCARD Credit Card is essentially a special credit card developed by Bank of Baroda in collaboration with RuPay, especially for Indian Army personnel—both serving and retired. It combines a great sense of respect for the brave men serving their nation financially with honor.
Firstly, this card comes without a joining fee, iso it is reasonably priced from the beginning. This makes daily expenses more exciting and rewarding.
Additionally included on the card are practical TLS, including a 1% fuel surcharge waiver, up to 50 days of interest-free credit, and basic EMI conversion on purchases above ₹2,500. These qualities help to enable appropriate and effective control of expenses.
Introduction
The Armed Indian Army Special credit cards meant just for the courageous Indian Army soldiers are YODDHA BOBCARD Credit Cards. Launched by Bank of Baroda in association with NPCI (National Payments Corporation of India) under the RuPay platform, this is a distinctive financial product. This credit card is a little token of gratitude and respect for the selfless service and sacrifices made by our army men, not only a financial tool. It provides a broad spectrum of advantages and features tailored especially to satisfy soldiers and their families’ needs.
From shopping and travel to dining and entertainment, the Indian Army YODDHA Credit Card gives excellent value on every transaction. It is also unique because of its fantastic reward points, discounts, cashback offers, and many more benefits.
Apart from its advantages, the card’s architecture is patriotic and symbolic. It shows a soldier in uniform, so honorable, courageous, and dedicated. This careful design gives the card emotional value and transforms it from a mere plastic piece into a pride emblem for every cardholder.
Additionally included on this card are special benefits, including zero joining fees, fuel surcharge waivers, free access to airport lounges, and appealing interest-free credit terms.
What is the Indian Army YODDHA BOBCARD Credit Card?
Designed to honor and satisfy the financial needs—active and retired—of Indian Army personnel, it also serves. This card offers particular privileges, discounts, and reward points in addition to helping to control daily spending.
Moreover, the card has a patriotic design reflecting the pride and bravery of Indian soldiers. With just basic eligibility and no joining expense, it becomes a useful and courteous financial instrument for army troops. Free access to airport lounges, fuel surcharge waivers, contactless payments, and SMS alerts—security benefits—also abound.
How is the design of the Indian Army YODDHA BOBCARD Credit Card?
On the Indian Army YODDHA BOBCARD Credit Card, there is a striking and symbolic design. It boldly shows the picture of a courageous Indian soldier in uniform, honoring obligation, loyalty, and bravery.
The background of the card also features subdued military components meant to radiate pride and honor. The attitude of the Indian Army is suited to the strong and honorable general color scheme. Apart from being a financial instrument, these intentional design decisions help the card to convey national respect and recognition.
What are the benefits of the Indian Army YODDHA BOBCARD Credit Card?
Let us review some of the primary benefits now:
1. Does not pay joining fees.
First of all, army officials find the card to be rather reasonably cheap since it comes without joining fees. This implies they can start appreciating the advantages of the card without paying any upfront expenses.
2. Every purchase incentive point
For every ₹100 spent in travel, dining, and department stores, among other venues, users of this card accrue five reward points. Regarding all other expenses, they receive one reward point for every ₹100. Later on, these points could be used for shopping, certificates, or other amazing offers.
3. Waiver for Fuel’s Surcharge
One further advantage is the 1% fuel surcharge waiver offered at every petrol station around India, good for purchases between ₹400 and ₹5,000. This helps to cut daily transportation and travel expenses.
4. Complementary Lounge Access
With four complimentary domestic airport lounge passes annually—one every quarter—the card gives consumers a good travel experience. Army personnel who travel regularly will find this quite helpful.
5. Credit duration free of interest
Users appreciate up to fifty days of interest-free credit, provided that past due amounts are paid on time. This gives budget planning and control of expenses freedom.
6. Basic EMI Conversion
Any purchase more than ₹ 2,500 can be broken out into easy monthly payments (EMIs). When making large ticket purchases like electronics or travel passes, this function comes in handy.
7. Cashless Deal
Supporting contactless technologies, the card lets customers just tap to make purchases. Without calling for a swipe or a small amount PIN input, this guarantees faster and safer payments.
What are the fees for the Indian Army YODDHA BOBCARD Credit Card?
Here is a simple breakdown of the Indian Army YODDHA BOBCARD Credit Card fee.
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Fee | No additional charges for family members’ cards. |
| Finance Charges | If you don’t pay your bill in full, a charge of 3.49% per month (41.88 % annually) is applied to 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 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an Indian Army YODDHA BOBCARD Credit Card?
1. Age Requirement:
- You should be between 18 and 65 years of age.
2. Income Requirement:
- Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have proof of a valid address.
What documents are required to get an Indian Army YODDHA BOBCARD Credit Card?
The documents that you will have to submit to get the Indian Army YODDHA BOBCARD Credit Card are as follows:
| 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 employeeBank statement for the previous 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Indian Army YODDHA BOBCARD Credit Card be used?
Here is the list of places where you can use it:
- With the Indian Army YODDHA BOBCARD 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 and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.
- 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 and 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 BOBCARD Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).
- The Indian Army YODDHA BOBCARD Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Indian Army YODDHA BOBCARD Credit Card?
The credit amount you can spend is what you are provided with when you have an Indian Army YODDHA BOBCARD 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 only spend up to that amount. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies from person to 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 BOBCARD 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 Bank of Baroda; for instance, you can choose the Indian Army YODDHA BOBCARD Credit Card.
- Simply hover your cursor over the Indian Army YODDHA BOBCARD Credit Card and select ‘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 you submit 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 BOBCARD Credit Card.
- Request the credit card application form for the Indian Army YODDHA BOBCARD Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- 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 BOBCARD Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions in the envelope through the Bank of Baroda Card website, mobile app, or 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 BOBCARD Credit Card in 2025 be the right choice?
Obtaining the Indian Army YODDHA BOBCARD Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility.
Bank of Baroda is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure 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 perfect option in 2025.
Conclusion
The Indian Army YODDHA BOBCARD Credit Card is at last far more than any other credit card. Designed especially to satisfy the particular needs of our Indian Army personnel—serving both retired and active—it is a well-considered financial package. From zero joining fees to appealing reward points on daily expenses, every element is painstakingly created with regard for the sacrifices and way of life of our soldiers.
Since the card provides free domestic airport lounge access, fuel surcharge waivers, and basic EMIs conversion options, it is also a handy and practical financial tool. In the busy modern world, where smart financial management is rather important, this card offers the ideal combination of freedom, protection, and incentives. Furthermore, the choice of up to 50 days of interest-free credit helps consumers to carefully allocate their money and avoid extra expenses.
Apart from all these characteristics, the design of the card is rather original. Seeing a soldier helps one to grasp honor, pride, and patriotism. Along with the cardholder, the dedication and bravery of our Indian Army inspire everyone else who sees it. The card has particular personal relevance because of this emotional value.
Frequently Asked Questions (FAQ’s)
Ans: You must turn in KYC paperwork, ICSI membership ID, income documentation, and a recent passport-sized picture.
Ans: For any questions or complaints, you may contact BOBCARD customer support by their 24×7 helpline, email, or mobile app.
Ans: Yes. The card provides a simple EMI facility so you may turn big purchases into reasonably monthly payments.
Ans: Indeed, millions of stores, both online and offline, accept this card worldwide.
Ans: The official BOBCARD website or a nearby Bank of Baroda branch should be your means of application online. Have your ICSI membership proof on hand for confirmation.
