All cards / Bank of Baroda
Indian Army YODDHA BOBCARD Credit Card
A lifetime-free RuPay card BOBCARD offers to Indian Army personnel, part of its defence range with Vikram, Varunah and Rakshamah. It earns 0.5% on regular spends and 2.5% on departmental stores and movies, adds domestic lounge visits on modest quarterly spend, a ₹20 lakh accident cover and a lower 3% forex markup.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in groceries. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Movie & dining: 10 reward points per ₹100 (5X) on movies and departmental stores, capped at 1,000 bonus points a month
- Rewards rate: 0.5% base rate
- Reward redemption: Cashback at 1 point = ₹0.25; Pay with Rewards (Twid) at 1 point = ₹0.15
- Travel: BOBCARD SmartDeal bookings earn 8 points per ₹100 on flights and 20 per ₹100 on hotels; RuPay 24x7 concierge (booking assistance)
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter on ₹20,000 spend in the previous calendar quarter
- International lounge access: Not offered
- Insurance benefits: Personal accident death cover of ₹20 lakh (air and non-air)
Benefits by category
- ✈️ Travel
8 domestic lounge visits a year (2 per quarter) on ₹20,000 previous-quarter spend
- 🛡️ Insurance
₹20 lakh personal accident death cover
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
Fees & charges
- Foreign currency markup: 3%
- Interest rate: 3.75% p.a.
- Fuel surcharge waiver: 1% waiver on fuel transactions of ₹400–₹5,000, up to ₹250 per statement cycle (fuel earns no points)
- Cash advance charges: 2.5% of the amount withdrawn or ₹500, whichever is higher; interest from the date of withdrawal
Benefits
- 500 bonus points on ₹5,000 spend within 60 days; 12-month FITPASS PRO membership for cards issued from 1 August 2026
- 12-month Amazon Prime membership on spending ₹1 lakh within 90 days
- 10 points per ₹100 on departmental stores and movies (max 1,000 bonus points a month); 2 points per ₹100 elsewhere
- 8 domestic lounge visits a year (2 per quarter) on ₹20,000 previous-quarter spend
- ₹20 lakh personal accident death cover
Pros
- + Lifetime free
- + Amazon Prime for a year on ₹1 lakh spend in 90 days, plus FITPASS PRO
- + Domestic lounge access on just ₹20,000 quarterly spend; ₹20 lakh accident cover
Cons
- − Restricted to Indian Army personnel
- − Accelerated earning limited to departmental stores and movies, capped at 1,000 points a month
- − UPI spends earn only base points; 3% forex markup