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  1. Home
  2. Credit Cards
  3. BOBCARD
  4. Indian Army YODDHA BOBCARD Credit Card
Indian Army YODDHA BOBCARD Credit Card Credit Card
BOBCARD logo
BOBCARDRuPay Network
Verified
Direct Bank Application via Official Issuer Portal
TravelLifetime FreeShoppingAirport Lounge
4.8/5 Editorial Score

Indian Army YODDHA BOBCARD Credit Card

Honorary Military Metal Credit Card with Unlimited Lounges & Zero Fee

Best Suited For

Serving and retired Indian Army officers and personnel seeking top-tier lifestyle luxury with zero annual maintenance fees.

TravelLifetime FreeShoppingAirport Lounge
Joining Fee

Free

One-time upfront
Annual Fee

Free

Lifetime Free — no renewal fee
Base Rewards

2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.

On eligible spends
Airport Lounge

1 Domestic visits/quarter · ₹40k quarterly spend required

Complimentary visits
Apply NowCompare CardOfficial Terms
See where this card gets lounge access

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.8/5 Editorial Score

The Indian Army YODDHA BOBCARD Credit Card is an institutional tribute created in collaboration between BOBCARD and the Indian Army. Reserved exclusively for the brave officers and personnel of the Indian Army, this card is issued 100% Lifetime Free (LTF) with zero joining and zero annual fees. The card delivers uncompromising premium privileges: cardholders enjoy unlimited complimentary domestic airport lounge access across India, complimentary golf games and lessons at leading golf clubs, 24/7 global concierge service, and a preferential foreign exchange markup fee of just 2.00%. Crucially, it provides a comprehensive complimentary air accident life insurance cover of up to ₹1 Crore for defense personnel. With 5X reward points on dining and travel and zero fuel surcharges across fuel pumps, the YODDHA card is an exemplary financial companion for India's soldiers.

Ideal For:Serving and retired Indian Army officers and personnel seeking top-tier lifestyle luxury with zero annual maintenance fees.
TravelLifetime FreeShopping

Card Strengths

  • Lifetime Free Defense Card: Zero joining fee and zero annual renewal fee with Lifetime Free benefits for Indian Army personnel.
  • Unlimited Domestic Lounges: Enjoy unlimited complimentary domestic airport lounge visits across all participating terminals in India.
  • Low 2.00% Forex Markup: Substantially reduced 2.00% foreign exchange markup on cross-border transactions and overseas travel.
  • 5X Rewards on Dining & Travel: Earn 5X reward points on airline bookings, hotel stays, and dining establishments.
  • ₹1 Crore Defense Insurance: Complimentary personal air accident life insurance cover of up to ₹1 Crore for serving army officers.

Things to Keep in Mind

  • Restricted to Indian Army: Available strictly to serving or retired Indian Army personnel; civilian applications are not accepted.
  • Military Verification Required: Requires official Army service identity documentation and defense salary account verification.
  • Reward Exclusions: Government payments and fuel spends do not earn reward points.
  • Handling Fee on Redemption: Standard handling charges apply on catalogue merchandise redemption orders.

Additional Cardholder Privileges

Rewards
Rewards

2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.

Welcome
Welcome Benefit 1

Get 12-Month Complimentary Fitpass Pro Membership

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name
BOBCARD Reward Points
Reward Currency
BOBCARD Reward Points
Base Earn Rate
2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.
Point Value (INR)
₹0.2500 per point
Redemption Channels
Refer to bank rewards portal
Reward Point Expiry
Refer to bank rewards program terms
Category Accelerated Earn RatesPublished Terms
Spend CategoryEarn RateReward CapConditions
Travel, Dining & CSD Canteen Spends10 Reward Points per ₹100 spent on travel, dining, and CSD canteen purchases (2.50% value; 1 RP = ₹0.25)No CapStandard terms apply
Other Retail Spends2 Reward Points per ₹100 spent on other purchasesNo CapStandard terms apply
Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator
Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.
Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps
Quick Select:
Total Monthly Spend:₹30,000 / month
₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution
Travel, Dining & CSD Canteen Spends2.50%
No published cap
₹
Other Retail Spends0.50%
No published cap
₹
Excluded / Non-Reward Spends0%
Fuel, rent, wallet, govt, cash
₹
Category / Reward BucketMonthly SpendRateEffective RateCap PeriodEligible RewardCap Status
Travel, Dining & CSD Canteen Spends₹12,00010 Reward Points per ₹100 spent on travel, dining, and CSD canteen purchases (2.50% value; 1 RP = ₹0.25)—NoneCalculating... Under cap
Other Retail Spends₹18,0002 Reward Points per ₹100 spent on other purchases—NoneCalculating... Under cap
Total Monthly Cashback₹30,000-—-₹0 / moZero cap loss
Annual Spends

₹3.6 lakh

12 billing cycles
Annual Capped Rewards

₹0

0% blended return
Effective Fee

₹0

Standard renewal
Net Annual Value

+₹0 / yr

Rewards - Fee
*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds (fee waived).
Multi-card comparator

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India
Included
Complimentary Visits
1 complimentary visit per quarter
Spend Requirement
₹40,000 per Previous Calendar Quarter
2 complimentary domestic airport lounge visits per calendar quarter (8 per year)

International Lounge Access

Global airports outside India
Included
Complimentary Visits
2 complimentary visits per quarter
Spend Requirement
₹20,000 per Previous Calendar Quarter
Access Type
Yoddha BOBCARD Airport Lounge Access Program

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →
Agartala - Maharaja Bir Bikram AirportIXA
T1
Participating Lounges
Primus Lounge
View All Airport Cards →
Alluri Sitarama Raju International Airport (Vizag)VTZ
T1
Participating Lounges
Airr Lounge
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Bagdogra AirportIXB
Main Terminal
Participating Lounges
Take Off Bar And Lounge
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Biju Patnaik International AirportBBI
Terminal 1
Participating Lounges
Bird Lounge
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Birsa Munda AirportIXR
T1
Participating Lounges
Airr Lounge
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Calicut International AirportCCJ
T2
Participating Lounges
Bird Lounge
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Chaudhary Charan Singh International AirportLKO
T3
Participating Lounges
Adani Lounge (Domestic)Budweiser Lounge - International T3
View All Airport Cards →
Chennai International AirportMAA
Terminal 4, Terminal 1, T2
Participating Lounges
Travel ClubTravel Club Lounge A/B
View All Airport Cards →
Chhatrapati Shivaji Maharaj International AirportBOM
Terminal 2, Terminal 1B, Terminal 1C
Participating Lounges
Travel ClubGood Times Bar - Domestic T1-BAdani Lounge (erstwhile Oasis Lounge)Aviserve West - Arrival T2Aviserve East - Arrival T2East Wing
View All Airport Cards →
Cochin International AirportCOK
Terminal 1, T3
Participating Lounges
Earth Lounge
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Coimbatore International AirportCJB
Terminal 1
Participating Lounges
Blackberry Lounge
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Dehradun Jolly Grant AirportDED
Terminal 1
Participating Lounges
Bird Lounge
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Devi Ahilya Bai Holkar International AirportIDR
Terminal 1
Participating Lounges
Primus Lounge
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Dibrugarh AirportDIB
Terminal 1
Participating Lounges
Primus Lounge - Domestic
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Dr. Babasaheb Ambedkar International AirportNAG
Terminal 1
Participating Lounges
Airr LoungeMandarin Lounge
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Goa Dabolim International AirportGOI
T1
Participating Lounges
Travel Club
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Gwalior AirportGWL
T1
Participating Lounges
Paahun Executive Lounge
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Indira Gandhi International AirportDEL
Terminal 3, Terminal 1, Terminal 2
Participating Lounges
Encalm Lounge
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Jaipur International AirportJAI
T1
Participating Lounges
Adani Lounge
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Jammu AirportIXJ
Terminal 1
Participating Lounges
Pahun Lounge
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Jay Prakash Narayan AirportPAT
T1
Participating Lounges
Zesto Executive Lounge
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Kannur International AirportCNN
T1
Participating Lounges
Pearl Lounge
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Kazi Nazrul Islam AirportRDP
T1
Participating Lounges
Flury's
View All Airport Cards →
Kempegowda International Airport BengaluruBLR
Terminal 1, Terminal 2
Participating Lounges
080 Domestic Lounge EastBLR Domestic080 Domestic Lounge West PH1080 Domestic Lounge080 International Lounge
View All Airport Cards →
Lal Bahadur Shastri International AirportVNS
T1
Participating Lounges
Take Off Bar
View All Airport Cards →
Lokpriya Gopinath Bordoloi International AirportGAU
T1
Participating Lounges
The Lounge FFThe Lounge GF
View All Airport Cards →
Madurai AirportIXM
MAIN
Participating Lounges
Primus Lounge
View All Airport Cards →
Maharshi Valmiki International AirportAYJ
Main Terminal
Participating Lounges
Casual Dining Restaurant
View All Airport Cards →
Manohar International AirportGOX
Terminal 1
Participating Lounges
Encalm Lounge
View All Airport Cards →
Navi Mumbai International AirportNMI
Terminal 1
Participating Lounges
Adani Lounge
View All Airport Cards →
Netaji Subhash Chandra Bose International AirportCCU
Terminal 1
Participating Lounges
Travel Club LoungeTravel Club
View All Airport Cards →
Noida International AirportDXN
Main Terminal
Participating Lounges
Travel Club Lounge
View All Airport Cards →
Prayagraj AirportIXD
Terminal 1
Participating Lounges
Zesto Lounge
View All Airport Cards →
Pune International AirportPNQ
T2
Participating Lounges
Elysian Lounge
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Raja Bhoj International AirportBHO
Terminal 1
Participating Lounges
Primus Lounge
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Rajiv Gandhi International AirportHYD
Terminal 1
Participating Lounges
Encalm Lounge
View All Airport Cards →
Sardar Vallabh Patel International AirportAMD
Terminal 1, T2
Participating Lounges
Adani Lounge - Premium LoyaltyAdani Lounge
View All Airport Cards →
Shaheed Bhagat Singh International AirportIXC
Terminal 1, T2
Participating Lounges
Primus Lounge Domestic T1Primus Lounge - International
View All Airport Cards →
Sri Guru Ram Das Ji International AirportATQ
Terminal 1
Participating Lounges
Primus LoungeAirr Lounge (Int)
View All Airport Cards →
Srinagar International AirportSXR
Terminal 1
Participating Lounges
Paahun The Executive Lounge
View All Airport Cards →
Thiruvananthapuram International AirportTRV
T1, T2
Participating Lounges
Merlot Executive LoungeThe Lounge (International)
View All Airport Cards →
Tiruchirappalli International AirportTRZ
T1
Participating Lounges
O'Vetra DomesticO'Vetra International
View All Airport Cards →
Vadodara International AirportBDQ
Main Terminal
Participating Lounges
Premium Lounge
View All Airport Cards →

Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access
Airport Lounge Checker
Domestic Allowance1 Domestic visits/quarter · ₹40k quarterly spend required
Airport Coverage40+ Major Indian Airports
Lounge DirectoryView All Lounge Coverage
Representative Major Airport Lounges:
Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year)
Free
Annual / Renewal Fee (2nd Year Onwards)
Free
Annual Spend Fee Waiver
Lifetime Free — no renewal fee
Fee Terms Notes
Indian Army personnel co-branded RuPay credit card; lifetime free; 8 domestic airport lounges

2. International Spends

Foreign Currency Markup (Forex)
3.50% + GST
Dynamic Currency Conversion (DCC)
Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges)
Refer to official schedule of charges
Annualized Interest Rate (APR)
Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee
Refer to official schedule of charges
Interest-Free Period
Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges
Refer to official schedule of charges
Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Eligibility: Exclusively for serving and retired Commissioned Officers and defense personnel of the Indian Army; verified via military service credentials. • Joining & Annual Fee: ₹0 (Lifetime Free with no hidden maintenance fees or recurring charges). • Airport Lounge Privileges: Unlimited complimentary domestic airport lounge access across terminals in India. • Forex Markup: Preferential foreign currency transaction markup of 2.00% + GST on overseas spending. • Golf Privileges: Complimentary golf games and lessons at premier golf courses across India. • Rewards Acceleration: 5X reward points on dining and travel bookings; 2 reward points per ₹100 on standard retail purchases. • Defense Insurance: Complimentary personal air accident life insurance cover up to ₹1 Crore. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (maximum waiver ₹250 per month).

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.
2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.
3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding Indian Army YODDHA BOBCARD Credit Card application, fees, reward redemption, and eligibility

Who is eligible for the Indian Army YODDHA BOBCARD Credit Card?
This card is issued exclusively to serving and retired Commissioned Officers and soldiers of the Indian Army. Civilian applicants are not eligible for this defense card.
Is there any annual fee for Indian Army YODDHA BOBCARD?
No, the Indian Army YODDHA BOBCARD Credit Card is 100% Lifetime Free (LTF) with zero joining fee and zero annual renewal fee.
How many airport lounge visits does YODDHA BOBCARD offer?
Army officers and personnel enjoy unlimited complimentary domestic airport lounge visits across all participating terminals in India.
What is the foreign exchange markup on YODDHA BOBCARD?
The forex markup is an industry-low 2.00% plus GST, making it exceptionally economical for overseas postings, UN peacekeeping missions, and international travel.
What is the joining and annual renewal fee for Indian Army YODDHA BOBCARD Credit Card?
The joining fee for Indian Army YODDHA BOBCARD Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Can the annual fee on Indian Army YODDHA BOBCARD Credit Card be waived?
Indian Army YODDHA BOBCARD Credit Card is a Lifetime Free credit card with no annual renewal fee, so no spend-based waiver is required.
What are the primary rewards and cashback earn rates on Indian Army YODDHA BOBCARD Credit Card?
Indian Army YODDHA BOBCARD Credit Card offers 2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Does Indian Army YODDHA BOBCARD Credit Card offer complimentary airport lounge access?
Yes, Indian Army YODDHA BOBCARD Credit Card provides 1 Domestic visits/quarter · ₹40k quarterly spend required.

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