BOBCARD Indian Army Yoddha

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).

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Forex markup

Foreign Currency Transaction Fee: 3.00% of transaction amount.

Verified · BOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card · 2026-08-03 · source

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• Cash Withdrawal Charges: 2.50% of withdrawn amount or ₹500 whichever is higher.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.

Verified · BOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card · 2026-08-03 · source

Interest-free period

20 to 50 days interest free period in case there is no previous outstanding.

Verified · BOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card · 2026-08-03 · source

Fuel surcharge waiver

1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5000 (subject to maximum of ₹250 per statement).

Verified · BOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card · 2026-08-03 · source

Milestone benefit

Milestone Reward: 12 Months Amazon Prime Membership on spending at least ₹1 Lakh within 90 days of card issuance.

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Concierge

24/7 Assistance for Domestic & International Concierge Services (Powered by RuPay).

Verified · Indian Army Yoddha product page · 2026-08-03 · source

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.

Verified · BOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card · 2026-08-03 · source

Eligibility

Designated Personnel of the Indian Army & Indian Army Veterans, Veer Nari and Cadets.

Verified · Indian Army Yoddha product page · 2026-08-03 · source

Official terms

https://www.bobcard.co.in/credit-card-types/indian-army-yoddha.

Verified · BOBCARD Universal MITC (Most Important Terms & Conditions) — covers Yoddha card · 2026-08-03 · source