BOBCARD Indian Army Yoddha
BOBCARD
Annual / renewal fee
Nil (no annual/renewal fee).
VerifiedBOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card3 Aug 2026, 6:30 AM ISTBOBCARD
Earn rate
5X Rewards i.e. 10 Reward Points per ₹100 spent on Grocery & Departmental Stores.
VerifiedIndian Army Yoddha product page3 Aug 2026, 6:30 AM ISTBOBCARD
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
Indian Army Yoddha by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Nil (no joining/first year fee).
VerifiedBOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card3 Aug 2026, 6:30 AM ISTBOBCARD
Annual / renewal fee
Nil (no annual/renewal fee).
VerifiedBOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card3 Aug 2026, 6:30 AM ISTBOBCARD
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
5X Rewards i.e. 10 Reward Points per ₹100 spent on Grocery & Departmental Stores.
VerifiedIndian Army Yoddha product page3 Aug 2026, 6:30 AM IST
Travel & lounge
Lounge access
Domestic airport lounge: 2 complimentary visits per quarter, subject to minimum net spends of ₹20,000 in the preceding calendar quarter (minimum spend waived for the calendar quarter of card issuance for a newly issued card).
Verifiedharvested from product page3 Aug 2026, 6:30 AM ISTBOBCARD
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Concierge
24/7 Assistance for Domestic & International Concierge Services (Powered by RuPay).
VerifiedIndian Army Yoddha product page3 Aug 2026, 6:30 AM ISTBOBCARD
Insurance
- Accidental Death cover of the primary cardholder only.
- Natural death is not covered.
- Insurance available from day of card issuance to primary cardholders only.
- In case of settlement, administrative charge of ₹1000 (if card usage observed) or ₹2000 (if no/less usage).
- Claims must be reported within 30 days of death.
- Documents within 15 days of claim intimation.
VerifiedBOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card3 Aug 2026, 6:30 AM ISTBOBCARD
Milestone benefit
Milestone Reward: 12 Months Amazon Prime Membership on spending at least ₹1 Lakh within 90 days of card issuance.
Verifiedharvested from product page3 Aug 2026, 6:30 AM ISTBOBCARD
Eligibility
Eligibility
Designated Personnel of the Indian Army & Indian Army Veterans, Veer Nari and Cadets.
VerifiedIndian Army Yoddha product page3 Aug 2026, 6:30 AM ISTBOBCARD
Charges & interest
Forex markup
Foreign Currency Transaction Fee: 3.00% of transaction amount.
VerifiedBOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card3 Aug 2026, 6:30 AM ISTBOBCARD
Charge
- Cash Withdrawal Charges: 2.50% of withdrawn amount or ₹500 whichever is higher.
- Finance Charges: 3.75% per month i.e. 45% per annum.
- Foreign Currency Transaction Fee: 3.00% of transaction amount.
- Late Payment Charges (by statement balance): less than ₹100 NIL, ₹100 to ₹500 = ₹100, ₹501 to ₹1,000 = ₹400, ₹1,001 to ₹10,000 = ₹750, ₹10,001 to ₹25,000 = ₹950, ₹25,001 to ₹50,000 = ₹1100, more than ₹50,000 = ₹1300.
- Minimum amount due: 5% of outstanding balance or ₹200 whichever is higher.
- Duplicate Bill: ₹25 per bill.
- Cheque Return charges: 2% of payment amount subject to min ₹500.
- Auto Debit/SI Bounce Fee: 2% of payment amount subject to min ₹500.
- Cash Payment Processing Fee: ₹250 per cash payment.
- Cheque Payment Processing Fee: ₹100 per cheque payment.
- GST: 18% on all fees, interest & other charges.
- Exceeding Credit Limit Charges: 2.5% of amount over sanctioned limit or ₹600 whichever is higher.
- Card Replacement Charges: ₹100 per card.
- Charge Slip Retrieval charges: ₹250 per Charge Slip.
- Limit Enhancement: No Fee.
- Processing Fee on Rent Payments (MCC 6513): 1% of total transaction amount.
- Processing Fee on Wallet Loading Transactions (MCC 6539, 6540, 6541, 6542): 1%.
- Processing Fee on Utility Transaction (MCC 4900): 1% (max ₹3000 per transaction) where amount is ₹50,000 or higher.
- Processing Fee on Fuel Transaction (MCC 5172, 5541, 5542, 5983): 1% per transaction where amount is ₹10,000 or higher.
VerifiedBOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card3 Aug 2026, 6:30 AM ISTBOBCARD
Fuel surcharge waiver
1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5000 (subject to maximum of ₹250 per statement).
VerifiedBOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card3 Aug 2026, 6:30 AM ISTBOBCARD
Interest-free period
20 to 50 days interest free period in case there is no previous outstanding.
VerifiedBOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card3 Aug 2026, 6:30 AM ISTBOBCARD
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Indian Army Yoddha?
Officially traced: Nil (no annual/renewal fee).
BOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha cardWhat is the joining fee on the Indian Army Yoddha?
Officially traced: Nil (no joining/first year fee).
BOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha cardHow does the Indian Army Yoddha earn rewards?
5X Rewards i.e. 10 Reward Points per Rs. 100 spent on Grocery & Departmental Stores.
Indian Army Yoddha product pageWhat lounge access does the Indian Army Yoddha include?
Domestic airport lounge: 2 complimentary visits per quarter, subject to minimum net spends of Rs. 20,000 in the preceding calendar quarter (minimum spend waived for the calendar quarter of card issuance for a newly issued card).
harvested from product pageWhat are the transfer ratios for Indian Army Yoddha points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the Indian Army Yoddha worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.bobcard.co.in/credit-card-types/indian-army-yoddha.
VerifiedBOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card3 Aug 2026, 6:30 AM ISTBOBCARD
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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