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Indian Army YODDHA BoB Credit Card

by Kshitiz V Sharma on

The Bottom Line

Indian Army YODDHA BoB Credit Card
Lifetime Free, Low Rewards

Exclusively for Indian Army Personnel. 10 Reward Points / ₹100 on grocery & departmental stores and 2 Points on all other spends. Lifetime free.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 1.0% 1.0% 1.0% 0.9% 0.7%
Est. Monthly Reward (₹) 50 100 190 445 700
All-India Rewards Rank* 26 45 87 149 187
Within Bank Rank* 1 2 6 9 9
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The YODDHA BoB Credit Card is a lifetime free credit card, available only to the Indian Army Personnel. It gives 2.5% effective rewards on Grocery & Shopping and 0.5% on all other spending.

We estimate you can earn a net reward yield of 0.7-1% on all your spending with this card.

If you are not a member of the Army and need a card from Bank of Baroda, consider the Snapdeal BoB Credit Card which gives effective rewards of 5% for all purchases on the Snapdeal website & app  and also gives 2.5% effective rewards on grocery and shopping.

This card gives a net reward yield of 1.2% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card Indian Army YODDHA BoB Credit Card
Card Type Reward
Reward Features 10 Reward Points / ₹100 on:
– Grocery
– Departmental stores

2 Reward Point for every / ₹100 on all other spends

Milestone Rewards Nil
Other Rewards – 2 Complimentary Domestic Airport Lounge visits / Qtr

– 4 Complimentary Golf Games / Year

– Complimentary 6 Months FITPASS Pro Membership worth ₹15,000

Rewards Redemption Fee ₹99
Reward Caps 1,000 reward points p.m. on grocery and departmental stores
Preferred Redemption Method Reward Points can be redeemed as cashback @ ₹0.25/reward point

Fees & Charges

Card Indian Army YODDHA BoB Credit Card
Joining Fee Nil
Annual Fee Nil
Min. Annual Credit Card Spend
for Fee Waiver
N/A
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 39.00%
Foreign Currency Markup 3.00%
Cash Advance Charge 2.50% transaction amount minimum of ₹300
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