By: OurMoneyGuide || Last updated on: April 23, 2024

Bank of Baroda INDIAN ARMY YODDHA Credit Card, is a card exclusively for Indian Army Personnel. You get higher cashback on department store and grocery purchases. You also get lifestyle benefits like complimentary access to domestic airport lounges (2 times per quarter), and complimentary golf (1 time per quarter).

Moreover there are no annual fee charges, the card is lifetime free.

Pros & Cons of Bank of Baroda INDIAN ARMY YODDHA Credit Card


  • Lifetime free card, there is no annual fee
  • Good cashback of 2.50% on department store and grocery purchases
  • Complimentary access to airport lounges in India – 2 per quarter
  • Complimentary golf rounds / golf lessons – 1 per quarter
  • Simple reward redemption process, reward points can be converted to cashback


  • Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Features & Benefits of the Bank of Baroda INDIAN ARMY YODDHA Credit Card

Lifetime free card, exclusively for Indian Army Personnel

All members of the Indian Army are eligible, subject to credit policy of BOB.

There is no annual fee charged on the card, the card is lifetime free.

2.50% cashback on department store and grocery purchases – on purchases upto ₹10,000 per month

You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.

1 reward point = ₹0.25, and can be redeemed for cashback.

This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends

You earn 2 reward point worth ₹0.50 or 50 paise, on every ₹100 you spend on all other card purchases.

1 reward point = ₹0.25, and can be redeemed as cashback.

1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward point worth 25 paise, on every ₹100 you spend. For full list and details please click here – list of special MCCs

Complimentary access to airport lounges in India – 2 per quarter

You get free visits to domestic airport lounges, 8 times per year (maximum 2 times per quarter).

Please click here for details

Complimentary golf rounds / golf lessons – 1 per quarter

Please click here for details.

Fuel surcharge waiver, upto ₹250 per month

You get 1% fuel surcharge waiver at all fuel stations across India, only on fuel transactions between ₹400 and ₹5000. And only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle.

Complimentary insurance benefits

You get free accidental death cover (air & non-air of ₹20 lakhs), for financial protection of your family.

Zero liability on lost card

In case you lose your credit card, you have zero liability for any fraudulent transactions, provided you have reported loss of the card immediately.

BOB customer care number

Please click here, to see all available options to contact your card issuer.

3 free add-on cards

Bank of Baroda PRIME Credit Card offers the convenience of add-on cards, allowing you to extend the benefits of your card to your loved ones.

Lifetime free add-on cards : You can avail of up to 3-lifetime free add-on cards for your spouse, parents, siblings, or children. This enables your family members to enjoy the features and privileges of the Eterna Credit Card.

Shared benefits : With add-on cards, you can easily manage and track the expenses of your family members. Additionally, any reward points earned on the add-on cards contribute to the primary cardholder’s rewards account.

Bank of Baroda INDIAN ARMY YODDHA Credit Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining feeLifetime freeWelcome offers :
– 12 months Amazon Prime Membership, if you spend at least ₹1 lakh on your card, within 90 days of card issuance.
– 1000 reward points worth ₹250, on card activation within 30 days
– FITPASS Pro Membership for 6 months worth ₹15000.
Renewal fee from 2nd year onwardsLifetime free

Late payment fee

Total payment amount dueLate fee
Less than ₹100Zero
₹100 to ₹500₹100
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 – ₹25,000₹950
₹25,001 – ₹50,000₹1100
More than ₹50,000₹1300

Interest charges on overdue balances – 3.25% per month (39% per year)

Foreign transaction fee – 3%

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all fees & charges on this card, please click here – Bank of Baroda Credit Card Fees & Charges

Eligibility Criteria

Minimum agePrimary cardholders : 21 years
Add-on cardholders : 18 years
Maximum age65 years
OccupationAll members of Indian Army are eligible, subject to credit policy of BOB
Minimum income requirementsNot specified

Application Process

Step-by-step guide

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the BOB Financial website. You can also visit official website of BOB Financial and fill out the application form.

You can apply online in 3 simple steps :
– Complete the e-application
– Aadhaar based e-signature
– Confirm your application with a video KYC
Offline (face to face)  application processYou can also visit any of the nearest branches of the bank and talk to an executive regarding the process.
Application trackingYou can track your application by clicking here.

Necessary documents and verification

Required documents
– PAN card

– Address proof (any one) : Aadhaar card / voter ID card /passport / driving licence / utility bills / property or municipal tax receipt /rent agreement / house allotment letter issued by state or central government

– Income proof :
Salaried : Last 2 months salary slip + bank statement showing salary credits
Self-employed : Latest income tax return (ITR)