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BOBCARD Yoddha Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Bank of Baroda RuPay Mid

Annual Fee

₹0

Base Rate

2.0%

Reward Type

Points

Overview

The BOBCARD Yoddha Credit Card is a Mid credit card issued by Bank of Baroda on the RuPay network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: Lifetime Free
Eligibility: Exclusively for Indian Army personnel, veterans, and cadets (age 18-70). CIBIL score of 750+ recommended.

Reward Rates & Cashback Rules

  • CATEGORY – Grocery: 10.0% cashback
  • CATEGORY – Departmental Stores: 10.0% cashback
  • CATEGORY – Utilities: 2.0% cashback ⚠️ Applies to Telecom spends (MCC 4814).
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points on fuel transactions eligible for a surcharge waiver.
  • CATEGORY – EMI: 0.0% cashback ⚠️ No reward points on EMI transactions.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points on wallet load transactions.

Key Features & Benefits

  • Welcome Benefits 🎁: 1,000 bonus reward points on card activation within 30 days and a complimentary 6-month FITPASS Pro membership.
  • Milestone Benefit ⭐: Complimentary 12-month Amazon Prime membership on spending ₹1 lakh within the first 90 days of card issuance.
  • Domestic Lounge Access ✈️: 8 complimentary domestic airport lounge visits per year (2 per quarter), subject to a minimum spend of ₹20,000 in the previous quarter.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
  • Personal Accident Cover 🛡️: Complimentary personal accidental death cover up to ₹20 lakh for air and non-air incidents.
  • Free Add-on Cards 👨‍👩‍👧‍👦: Up to 3 lifetime free add-on cards for family members (spouse, parents, siblings, or children over 18).

Eligibility Criteria

Exclusively for Indian Army personnel, veterans, and cadets (age 18-70). CIBIL score of 750+ recommended.

Features & Benefits

🎁

Welcome Benefits

1,000 bonus reward points on card activation within 30 days and a complimentary 6-month FITPASS Pro membership.

⭐

Milestone Benefit

Complimentary 12-month Amazon Prime membership on spending ₹1 lakh within the first 90 days of card issuance.

✈️

Domestic Lounge Access

8 complimentary domestic airport lounge visits per year (2 per quarter), subject to a minimum spend of ₹20,000 in the previous quarter.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

🛡️

Personal Accident Cover

Complimentary personal accidental death cover up to ₹20 lakh for air and non-air incidents.

👨‍👩‍👧‍👦

Free Add-on Cards

Up to 3 lifetime free add-on cards for family members (spouse, parents, siblings, or children over 18).

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Grocery
Reward: 10.0%
10%
Departmental Stores
Reward: 10.0%
10%
Utilities
Reward: 2.0%
⚠️ Exceptions: Applies to Telecom spends (MCC 4814).
2%
Fuel Exclusion
⚠️ Exceptions: No reward points on fuel transactions eligible for a surcharge waiver.
EMI Exclusion
⚠️ Exceptions: No reward points on EMI transactions.
Wallet Load Exclusion
⚠️ Exceptions: No reward points on wallet load transactions.

Value Chart

Assuming basic spends for BOBCARD Yoddha Credit Card

Category BOBCARD Yoddha Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card Vistara Axis Bank Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹1500 ₹500 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 5.0% 5.0% 1.0%
★
Known Rules 		6 rules 7 rules 10 rules 9 rules

Pros & Cons

✓

Pros

  • + Grocery — 10.0% Points
  • + Departmental Stores — 10.0% Points
  • + Utilities — 2.0% Points
  • + Welcome Benefits
  • + Milestone Benefit
  • + Domestic Lounge Access
  • + Fuel Surcharge Waiver
✗

Cons

  • − No reward on Fuel — No reward points on fuel transactions eligible for a surchar
  • − No reward on EMI — No reward points on EMI transactions.
  • − No reward on Wallet Load — No reward points on wallet load transactions.
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹0

Net Value

+₹6000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

Each reward point is valued at ₹0.25. This means 10 points per ₹100 on groceries is equivalent to 2.5% cashback.

Yes, the card has no joining fee and no annual renewal fee, making it a lifetime free credit card for eligible Indian Army personnel.

You get 8 free domestic lounge visits per year (2 per quarter). To be eligible, you must have spent at least ₹20,000 in the previous calendar quarter.

Yes, reward points are not earned on fuel transactions that are eligible for a surcharge waiver, EMI transactions, and wallet load transactions.

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