If you’re a defense personnel looking for a Credit Card, the Yoddha Credit Card from Bank Of Baroda might be suitable for all your transactional needs. This Credit Card is designed exclusively for our defense personnel with a great reward program.

If you go with this Card, you will get a welcome reward point of 1000 if the Card is activated within 30 days from the date of issuance. Additionally, you can speedify your reward points by earning up to 10 Reward Points for every Rs 100 spent on Grocery & Departmental Stores. You can check out best credit cards for defence personnel here.

This Credit Card has great benefits such as complimentary health and entertainment memberships, lounge access, inbuilt insurance coverage, smart EMI options, and much more. In this short article, we will know more about this amazing BOB Yoddha Credit Card. 

Features & Benefits of BOB Yoddha Credit Card

Like SBI Shaurya credit card, the Bank of Baroda Yodha Credit card also offers some special benefits to defence personnel. 

The BOB Yoddha Credit Card has been exclusively designed to cater to the transactional needs of our defence personnel. This card offers various features and benefits to its users. Some of the major features and benefits of the Yoddha credit card are mentioned below.

• FITPASS Pro Memberships

You will get a complimentary six-month FITPASS Pro membership valued at ?15000.

• Welcome Reward

With BOB yodha credit card, You will get 1000 reward points if the card is activated within 30 days of issuance.

• OTT memberships

You will get 12 months of Amazon Prime membership on spending at least ?1 Lakh within 90 days of card issuance.

• 5X Rewards on Daily Needs

One of the benefit of Yodha credit card is its reward system. You can earn 10 reward points for every Rs 100 spent on grocery and departmental stores. This means you get 5 times the reward points for your purchases in these categories.

• Reward points on other categories

You can earn 10 reward points for every Rs100 spent on grocery and departmental stores. This means you get 5 times the reward points for your purchases in these categories.

• Airport Lounge access

BOB Yodha credit card offers 8 complimentary airport lounge access per calendar year, which includes 2 access per quarter.

• Golf Lessons/Games

You are entitled to receive 4 free golf lessons or games every year, with one game or lesson available per quarter.

• Contactless Card

Make secure payments using your contactless card.

• Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000 at all fuel stations in India. The maximum waiver per statement cycle is Rs 250. Please note that fuel spends eligible for the surcharge waiver will not earn any reward points.

• Smart EMI Options

Paying your Credit Card bills just got easier! Now, if your purchase amount is Rs 2500 or more with Bank of Baroda Yodha credit card, you can convert it into Smart EMIs ranging from 6 to 36 months.

• Concierge Service

Rupay-powered Concierge Service is open 24/7 for your Assistance on Domestic & International Services.

• Free Add-on Card

if you have BOB yodha credit card, You can now receive up to 3 Lifetime Free add-on cards for your spouse, parents, siblings, or children who are 18 years or older.

• Inbuilt Insurance Cover

To ensure the financial protection of your family, this credit card provide Free Accidental Death Cover, offers coverage of ?20 Lakhs for both air and non-air accidents.

• Zero liability of lost card

This credit card offer zero liability in case of loss of Yodha credit card. To ensure zero liability for any fraudulent transactions, please report your lost card to the bank immediately.

• Interest-free credit facility

With Indian army BOB credit card, You can enjoy up to 50 days of interest-free credit starting from the date of your purchase.

• Resolving Credit Facility

By paying the Minimum Amount Due, you have the flexibility to finance your expenses according to your convenience.

Also read

• PNB DSP Account Benefits and Eligibility

Fees & Charges of BOB Yoddha credit card

Fee Types	Details
Joining fees	NIL
Annual Fees	NIL
Finance charges	3.25% per month, or 39% per annum
Late Payment Charges
Statement Balance	Charges
Less than Rs. 100	NIL
Rs. 100 to Rs. 500	Rs. 100
Rs. 501 to Rs. 1,000	Rs. 400
Rs. 1,001 to Rs. 10,000	Rs. 750
Rs. 10,001 to Rs. 25,000	Rs. 950
Rs. 25,001 to Rs. 50,000	Rs. 1100
More than Rs. 50,000	Rs. 1300

To know more about other associated fees and detailed Terms & Conditions: Click Here

Eligibility & Documentation for BOB Yoddha Credit Card 

The basic eligibility criteria and documentation needed for the Yoddha credit card are given below:

• Age

Any defence personnel who is 18 years or above.

• Eligibility

Only Indian Army Personnel are eligible for BOB Yoddha Credit Cards. 

• Documents Needed

When applying for BOB Credit Cards, applicants need to submit proof of identity, proof of address, and proof of income along with the correctly filled application form. 

Below are the list of acceptable documents for each category. 

• Photocopy of PAN Card
• Latest bank statement for last 3 months for salaried
• Latest ITR for self-employed
• Current Residence proof
• Company ID Card (for salaried)
• 1-2 recent passport-size photographs

Note: The bank may ask for additional documents other than mentioned above, as per their internal policies.

Other Credit Cards similar to the BOB Yoddha Credit Card

Credit Cards	Annual fees	Features
SBI Shaurya Credit Card	Rs. 250	Enjoy 5X Reward Points on CSD, dining, movies, departmental stores, and grocery purchases.
BOB Vikram Credit Card	NIL	Earn 5 reward points for every Rs. 100 spent on grocery shopping, movies, and departmental stores.
Kotak Veer Credit Card	Rs. 599	Get 9 reward points for every Rs. 200 spent on dining, grocery shopping, movies, and departmental stores.
Axis Pride Platinum Credit Card	Rs. 250	Get 4 EDGE Rewards Points on every Rs. 200 spent