Indian Army Yoddha BoB Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Credit card with no annual fees for life. As a welcome bonus, receive a complimentary 6-month Fitpass Pro membership and a free Zomato Pro annual membership. Earn up to 10 Reward Points for every Rs. 100 spent. Enjoy free access to domestic lounges every year. Receive complimentary golf games or lessons annually. Achieve a spending milestone and receive a free Amazon Prime membership. Receive insurance coverage of Rs. 20 lakhs for personal accidents. Get a 1% waiver on fuel surcharges for all fuel purchases.

The Indian Army Yoddha BoB Credit Card is an excellent choice for individuals who frequently travel and shop.

With a joining fee and renewal fee of Nil, this card offers great value for money.

The reward type is Reward Points, allowing cardholders to earn points on their transactions.

One of the attractive welcome benefits of this card is a 6-month complimentary Fitpass Pro membership and free Zomato Pro membership on activating the card within 30 days of issuance.

This is a fantastic perk for fitness enthusiasts and food lovers.

For shopping, cardholders can earn 2 Reward Points on every retail spend of Rs. 100.

Additionally, they can earn 10 Reward Points for every Rs. 100 spent on departmental stores and groceries.

These generous reward rates make this card a great choice for avid shoppers.

Travelers will also enjoy the benefits of this card.

Cardholders receive complimentary domestic lounge access every year.

Moreover, they can access 8 free domestic lounges annually, with 2 lounges per quarter.

These lounge facilities add comfort and convenience to the travel experience.

Golf enthusiasts will be pleased to know that this card offers 4 complimentary golf games or lessons every year.

This is a noteworthy benefit that sets this card apart from others in the market.

In terms of insurance benefits, the card provides a personal accident cover worth Rs. 20 lakhs.

This coverage provides cardholders with financial security and peace of mind.

The card also offers a fuel surcharge waiver of 1% (up to Rs. 250 per month) on all fuel purchases between Rs. 400 and Rs. 5,000.

This waiver helps cardholders save on their fuel expenses.

For cash advances, the card charges 2.5% or a minimum of Rs. 300 at domestic ATMs and 3% or a minimum of Rs. 300 at international ATMs.

It is important to note these charges before utilizing cash advance facilities.

The foreign currency markup for this card is 3.5% of the total transaction amount.

Therefore, it is advisable to consider this fee when using the card for international transactions.

The interest rate for this card is 3.49% per month.

It is worth mentioning that this rate is higher compared to some other credit cards available in the market.

In conclusion, the Indian Army Yoddha BoB Credit Card is a valuable choice for individuals who love to travel and shop.

With its reward points, lounge access, golf benefits, and insurance coverage, this card offers a range of perks.

The joining fee and renewal fee of Nil make it even more attractive.