M16S / Bank of Baroda / Bank of Baroda Indian Army Yoddha BOBCARD
mid · rewards, cobrand, lifetime-free
Bank of Baroda Indian Army Yoddha BOBCARD
The Bank of Baroda Indian Army Yoddha BOBCARD charges no annual fee and no joining fee. Its base return is 0.5% (2 RP per Rs 100). Accelerated earn: 10 RP per Rs 100 (5X) on departmental stores (Bank of Baroda's listing adds movies). The forex markup is 3%. Lounge visits in India: 8 per year (2 per quarter). Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 3%
- Interest
- 3.75%a month
Apply on bobcard.co.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free; up to 3 lifetime-free add-on cards. |
Rewards
| Welcome benefit | 500 bonus RP on Rs 5,000+ spend within 60 days; 12-month FITPASS Pro membership (stated worth Rs 48,000) |
|---|---|
| Reward currency | BOBCARD Reward Points |
| Base earn | 2 RP per Rs 100 |
| Base return | 0.5% |
| Point value | 1 Reward Point = Rs 0.25 as cashback |
| Accelerated earn | 10 RP per Rs 100 (5X) on departmental stores (Bank of Baroda's listing adds movies) |
| Caps | 5X earn capped at 1,000 RP per month; UPI earns core points only (max 500 RP per statement cycle) |
| Spends that earn nothing | Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points. |
| Points expiry | No fixed expiry period published; points lapse if the card is unused for more than 365 days or on closure/delinquency (MITC) |
| Milestone benefits | 12-month Amazon Prime membership on spends of Rs 1 lakh within 90 days |
| Reward notes | base_return_pct = 2 RP x Rs 0.25 / Rs 100 = 0.5%; departmental-store spends return 2.5% until the 1,000 RP monthly cap. |
Travel and perks
| Domestic lounge | 8 per year (2 per quarter) |
|---|---|
| Lounge conditions | From 1 Jan 2025, requires minimum spend of Rs 20,000 in the preceding calendar quarter |
| Forex markup | 3% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of Rs 400-5,000, cap Rs 250 per statement cycle; GST not reversed; waived fuel transactions earn no points |
| Other freebies | 24x7 RuPay concierge |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Statement balance below Rs 100: Nil; Rs 100-500: Rs 100; Rs 501-1,000: Rs 400; Rs 1,001-10,000: Rs 750; Rs 10,001-25,000: Rs 950; Rs 25,001-50,000: Rs 1,100; above Rs 50,000: Rs 1,300 |
| Cash advance fee | 2.5% of amount or Rs 500, whichever is higher |
| Eligibility | Serving Indian Army personnel, veterans, Veer Nari and cadets; age from 18 |
| Fine-print notes | MITC (ver 2.0, Apr 2026) surcharges that eat into returns: rent (MCC 6513) 1%; wallet loads 1%; utility payments of Rs 50,000+ 1% (max Rs 3,000); fuel transactions of Rs 10,000+ 1%; online education payments via listed apps 1% (max Rs 5,000); toll/bus of Rs 5,000+ 1%; railway bookings of Rs 30,000+ 1%. Over-limit fee 2.5% or Rs 600. Points lapse if the card is unused for more than 365 days, on closure, or if dues stay unpaid over 90 days. Redemption only through the BOBCARD portal or app. Card issued by BOBCARD Ltd, a Bank of Baroda subsidiary. Add-on cards carry no fee. |
Questions
- What is the annual fee of the Bank of Baroda Indian Army Yoddha BOBCARD?
- No annual fee.
- Does the Bank of Baroda Indian Army Yoddha BOBCARD give airport lounge access?
- Yes. In India: 8 per year (2 per quarter). Outside India: none listed. Conditions: From 1 Jan 2025, requires minimum spend of Rs 20,000 in the preceding calendar quarter
- What is the forex markup on the Bank of Baroda Indian Army Yoddha BOBCARD?
- 3% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Bank of Baroda Indian Army Yoddha BOBCARD?
- Fuel and 'select MCCs' earn no points (the MCC list is not on the product page). UPI spends earn core points only, no accelerated or bonus points.