Indian Army Yoddha BoB Credit Card

Named in honor of our nation’s heroes, the Indian Army Yoddha Credit Card is a no-annual-fee card, offering diverse privileges. Earn 10 Reward Points per Rs. 100 spent, redeemable for cashback or other options. Fulfill conditions for complimentary Zomato Pro and Amazon Prime Memberships. Revel in travel perks like airport lounge access and annual free golf rounds, making this card a standout in lifestyle benefits.

Key Highlights of Indian Army Yoddha BoB Credit Card

Unlock unparalleled benefits with the Indian Army Yoddha BoB Credit Card.

  1. Honoring Heroes: Dedicated to Indian Army personnel, paying homage to their service and sacrifice.
  2. Lifetime-Free: No annual fee, providing a cost-effective financial tool for cardholders.
  3. Rewarding Spends: Earn up to 10 Reward Points for every Rs. 100 spent, offering attractive benefits.
  4. Versatile Redemption: Redeem earned rewards for various options, including cashback, enhancing flexibility.
  5. Membership Privileges: Enjoy complimentary Zomato Pro and Amazon Prime Memberships upon meeting criteria.
  6. Travel Perks: Access exclusive airport lounges and receive complimentary golf rounds annually.
  7. Comprehensive Coverage: Offers a range of privileges across categories, enhancing the overall cardholder experience.

Features and Benefits of Indian Army Yoddha BoB Credit Card

The Indian Army Yoddha BoB Credit Card offers several features and benefits:

1. 5X Rewards on Daily Needs:

  • Earn 10 Reward Points for every ₹100 spent on Grocery & Departmental stores.

2. Exclusive Privileges:

  • 8 Complimentary Airport Lounge accesses per calendar year (2 per quarter).
  • RuPay Card Holders can find details here.

3. YODDHA is Lifetime Free:

  • No Joining Fee. No Annual Fees.

4. Fuel Surcharge Waiver:

  • 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations in India (Max ₹250 per cycle).
  • Fuel spends for surcharge waiver are not eligible for reward points.

5. Smart EMI Options:

  • Convert purchases of ₹2500 & more into Smart EMIs of 6 to 36 months.

6. Concierge Service (Powered by RuPay):

  • 24/7 Assistance for Domestic & International Services.

7. Free Add-on card:

  • Get up to 3 Lifetime Free add-on cards for spouse, parents, siblings, or kids (above age 18).

8. In-built Insurance Cover:

  • Free Accidental Death Cover (Air & Non-Air: ₹20 Lakhs) for financial protection.

9. Zero Liability on Lost Card:

  • Report loss immediately for zero liability on fraudulent transactions.

10. Interest-Free Credit Facility:

  • Avail up to 50 days of interest-free credit from the date of any purchase.

11. Revolving Credit Facility:

  • Pay Minimum Amount Due and finance spends at your convenience.

Indian Army Yoddha BoB Credit Card Fees and Charges

Explore the fee structure for the Indian Army Yoddha BoB Credit Card and discover the financial advantages that come with it.

  1. No Spend Based Waiver
  2. Rewards Redemption Fee: None
  3. Foreign Currency Markup: 3.5% of the total transaction amount
  4. Interest Rates: 3.49% per month
  5. Fuel Surcharge: 1% waiver (up to Rs. 250/month) on fuel purchases between Rs. 400 and Rs. 5,000
  6. Cash Advance Charges: 2.5% or minimum Rs. 300 at domestic ATMs, 3% or minimum Rs. 300 at international ATMs
  7. Add-on Card Fee: None

Eligibility Criteria for Indian Army Yoddha BoB Credit Card

Here are essential criteria for applying for an Indian Army Yoddha BoB Credit Card:

  1. Exclusive to Indian Army Personnel.
  2. Minimum age requirement: 18 years.
  3. A respectable credit score is essential.

Documents Required for Indian Army Yoddha BoB Credit Card

To apply for the Indian Army Yoddha BoB Credit Card, you will typically need to provide the following documents:

  1. Include a photocopy of your PAN card.
  2. Provide the latest payslip, Form 16, or IT return copy as proof of income.
  3. Submit colored photographs for identification purposes.
  4. Furnish a residential proof document.
  5. Include a document serving as identity proof in your application.

How to apply for Indian Army Yoddha BoB Credit Card

Follow these steps to apply for the Indian Army Yoddha BoB Credit Card online or offline:

  1. Apply offline by visiting a nearby BoB branch, ensuring you have all necessary documents.
  2. Visit the official Bob Financial website for online application.
  3. Navigate to the ‘Indian Army Yoddha Credit Card’ section and click ‘Apply Now.’
  4. Provide all required details in the online form.
  5. Fulfill all formalities and submit the application for processing.

Frequently Asked Questions (FAQs)

1. What is the Indian Army Yoddha BoB Credit Card?

The Indian Army Yoddha BoB Credit Card is a co-branded credit card offered by Bank of Baroda in collaboration with the Indian Army. It is designed to provide exclusive benefits and rewards to Indian Army personnel.

2. Who is eligible for the Indian Army Yoddha BoB Credit Card?

The credit card is available exclusively for serving and retired Indian Army personnel.

3. What are the key features of the Indian Army Yoddha BoB Credit Card?

The card comes with features such as special discounts, reward points on transactions, fuel surcharge waiver, and personalized offers for Indian Army members.

4. How can I apply for the Indian Army Yoddha BoB Credit Card?

Eligible individuals can apply for the card through the Bank of Baroda website or by visiting a Bank of Baroda branch.

5. What documents are required for the credit card application?

Generally, the bank may require proof of identity, address, and income. For Indian Army personnel, additional documents such as service ID and discharge certificate may be necessary.

6. What is the credit limit offered on the Indian Army Yoddha BoB Credit Card?

The credit limit is determined by the bank based on the applicant’s creditworthiness and other factors.

7. Are there any joining or annual fees for the Indian Army Yoddha BoB Credit Card?

The fee structure may vary, and it is advisable to check the current terms and conditions. Some credit cards offer a waiver on annual fees for the first year.

8. What are the rewards and benefits of the Indian Army Yoddha BoB Credit Card?

The card may offer rewards in the form of cashback, reward points, or discounts on specific categories such as dining, travel, and shopping.

9. Is there a specific loyalty program associated with the Indian Army Yoddha BoB Credit Card?

Yes, the card may be linked to a loyalty program where cardholders can earn points on their transactions, which can later be redeemed for various rewards.

10. How can I redeem the reward points earned on the Indian Army Yoddha BoB Credit Card?

Redemption options may include merchandise, gift vouchers, or statement credit. The exact redemption process can be found in the card’s terms and conditions.