Yoddha Credit Card – Exclusively for Indian Army Personnel

Yoddha Credit Card (Indian Army Yoddha BOB Credit Card) – BOB Financial launches co-branded RuPay Contactless Credit Card with the Indian Army | BOB Finance launched a Yoddha co-branded RuPay credit card for Indian Army troops by Bank of Baroda-backed BOB Financial Solutions in collaboration with NPCI.

The Bob Yoddha credit card is offered by the Bank of Baroda, a state-owned Indian banking and financial services company. Yoddha co branded credit card is targeted at customers who are interested in earning reward points on their daily spends. Indian Army Yoddha BOB Credit Card is the best credit card for defence personnel. It comes with a host of benefits such as fuel surcharge waiver, cashback on utility bill payments, exclusive discounts on dining and shopping, and more.

Before applying for this credit card (Indian Army Yoddha BOB Credit Card), it’s important to check if you meet the bank’s eligibility criteria, and also make sure you understand the terms and conditions, fees and charges, and rewards program associated with the card. Also, compare the features of this card with other credit cards available in the market to ensure that it is the best fit for your spending habits and financial goals.

  • The specially curated co-branded credit card (bob yoddha credit card) with the Indian Army – Yoddha has been launched as a contactless offering on the RuPay network.
  • The Yoddha credit card will be offered Life Time Free (LTF) to the Indian Army personnel.

BOB Finance launched a Yoddha co-branded RuPay credit card for Indian Army troops by Bank of Baroda-backed BOB Financial Solutions in collaboration with National Payments Corporation of India (NPCI). The new co-branded credit card will be made available on the RuPay platform and have contactless characteristics.

Key Highlights of Indian Army YODDHA BOB Credit Card
Best Suited ForReward Points
Joining FeeNil (Apply Online)
Annual FeeNil
Welcome Benefit1000 reward points on card activation within 30 days
Best Feature10 reward points per Rs. 100 spent on grocery & departmental stores
  • Yoddha, the co-branded credit card, had been specially crafted to provide Indian Army troops with the best features and advantages available.
  • All members of the Indian Army will also be eligible for a co-branded credit card that is Life Time Free (LTF).
  • Yoddha offers enticing activation, welcome, and spend-based gifts. Additionally, free domestic airport lounge access and golf games/lessons are included with the card.
  • The Yoddha credit card (yodha credit card) will additionally provide appealing base and expedited reward points.
  • Personal Accident Insurance, 1% Fuel Surcharge Waiver, LTF Add-Ons, EMI Incentives, and recurring merchant offers made possible by partnerships between NPCI and BOB Financial.
Yoddha Credit Card Launch
Yoddha Credit Card

BOB Financial Solutions Limited (BFSL), a wholly owned subsidiary of Bank of Baroda (BoB) and the Indian Army have launched a co-branded RuPay credit card for the Indian Army personnel, in partnership with National Payments Corporation of India (NPCI).

BOB Army Yodhha Card Front
Yoddha Credit Card – Exclusively for Indian Army Personnel

Bank of Baroda Yodha Credit Card Eligibility

The Bank of Baroda Yodha Credit Card is a premium credit card designed for Indian Army personnel. To be eligible for this card, you must meet the following criteria:

  • You must be an Indian Army personnel.
  • You must have a valid PAN card.
  • You must have a minimum annual income of INR 3 lakhs.
  • You must have a good credit score.

The Bank of Baroda Yodha Credit Card is a lifetime free card for Indian Army personnel. However, you will have to pay a joining fee of INR 500 + GST. You can apply for the Bank of Baroda Yodha Credit Card online or at any Bank of Baroda branch.

Bank of Baroda Yodha Credit Card Benefits

The Bank of Baroda Yodha Credit Card is a premium credit card designed for Indian Army personnel. It offers a variety of benefits, including:

  • Rewards: You earn 5X reward points on every INR 100 spent on grocery and departmental stores, and 2 reward points on every INR 100 spent on other categories. You can redeem your reward points for a variety of rewards, such as air tickets, hotel stays, gift cards, and merchandise.
  • Welcome benefits: You get a complimentary 6-month Fitpass Pro membership worth INR 15,000 and a free Zomato Pro annual membership. You also get 12 months of Amazon Prime membership on spends of at least INR 1 lakh, within 90 days of issuance.
  • Travel benefits: You get complimentary access to 8 domestic airport lounges per year (2 per quarter). You also get a 1% fuel surcharge waiver on all fuel purchases.
  • Insurance benefits: You get a free accidental death cover of INR 20 lakhs. You also get travel accident insurance and baggage insurance.
  • Other benefits: You get complimentary golf lessons/games every year, and you get a 24×7 concierge service.

The annual fee for the Bank of Baroda Yodha Credit Card is INR 500 + GST. However, the annual fee is waived off for the first year.

The Bank of Baroda Yodha Credit Card is a good option for Indian Army personnel who are looking for a credit card with a variety of benefits. The rewards program is generous, and you get a number of welcome benefits and travel benefits. The insurance benefits are also good.

The Yoddha co-branded credit card will be equipped with contactless features and will be offered on the RuPay platform. Yoddha, the co-branded credit card has been curated like none other, offering best-in-class features and benefits along with democratic choice, for the Indian Army personnel.

  • Complimentary 6 Months FITPASS Pro Membership worth ₹15000. Know More.
  • 1000 Reward Points on Card Activation within 30 days
  • 12 Months Amazon Prime Membership on spends of at least ₹1 Lakh, within 90 days of issuance. Know More.
  • 5X i.e. 10 Reward Points for every ₹100 spent on Grocery & Departmental Stores.
  • 2 Reward Points for every ₹100 spent in Other Categories.
  • 8 Complimentary Airport Lounge access per calendar year (2 per quarter)#.
  • 4 Complimentary Golf Lessons/Games per calendar year (1 per quarter)#. Know More.
  • Pay safely with contactless card. Know More.

The co-branded credit card will be offered Life Time Free (LTF) to all Indian Army personnel. Yoddha (Indian Army Yoddha BOB Credit Card) comes with attractive welcome, activation, and spend-based gifts. The card will also offer complimentary domestic airport lounge access and golf games / lessons. The Yoddha credit card (bob yoddha credit card) will offer attractive base and accelerated reward points.

Features like Personal Accident insurance, 1% Fuel Surcharge Waiver, LTF Add-Ons, EMI offers and periodic merchant offers through tie-ups done by BOB Financial as well as NPCI will also be applicable.

Fee Type Details
Joining FeeNil
Annual FeeNil
Supplementary Card FeeNil
Finance Charges3.25% per month i.e. 39% per annum
Late Payment FeeFor statement balance:
Less than Rs. 100- Nil
Between Rs. 100 to Rs. 500- Rs. 100
Between Rs. 501 to Rs. 1,000- Rs. 400
Between Rs. 1,001 to Rs. 10,000- Rs. 750
Between Rs. 10,001 to Rs. 25,000- Rs. 950
Between Rs. 25,001 to Rs. 50,000- Rs. 1,100
More than Rs. 50,000- Rs. 1,300

About BOB Financial Solutions Limited

BOB Financial Solutions Limited was established in the year 1994. It is a Non-Banking Financial Company, wholly owned by Bank of Baroda.

The Company’s primary business is in credit cards with its key differentiator being simple, easy-to-understand products that are fairly priced and efficiently serviced.

A pioneer in the space of credit cards, BOB Financial offers an array of products catering to all segments of customers. It is leveraging state-of-the-art technology to provide unique payment solutions to its customers.

ABOUT NCPI

National Payments Corporation of India (NPCI) was incorporated in 2008 as an umbrella organisation for operating retail payments and settlement systems in India.

NPCI has created a robust payment and settlement infrastructure in the country. It has changed the way payments are made in India through a bouquet of retail payment products such as RuPay card, Immediate Payment Service (IMPS), Unified Payments Interface (UPI), Bharat Interface for Money (BHIM), BHIM Aadhaar, National Electronic Toll Collection (NETC Fastag) and Bharat BillPay.

NPCI is focused on bringing innovations in the retail payment systems through the use of technology and is relentlessly working to transform India into a digital economy. It is facilitating secure payments solutions with nationwide accessibility at minimal cost in furtherance of India’s aspiration to be a fully digital society.

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Vivek is a financial advisor who is also interested in technology and photography. He spends what little free time he has on his hobbies, and he makes the most of it. Credit/Debit Cards, Reward Points, Air Miles, and Travel Hacks are some of his favourite topics.

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