{
  "id": "bob-indian-army-yoddha",
  "locale": "en",
  "name": "Indian Army YODDHA BOBCARD",
  "bank": "Bank of Baroda",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "Complimentary Domestic Airport Lounge access (2 visits per calendar quarter, max 8 visits/year)",
  "rewardsRate": "5X Rewards (5 pts / ₹100) on Groceries, CSD Canteens & Movies · Up to ₹50 Lakhs Accidental Death Cover · 8 Lounges/Year · 1% Fuel Surcharge Waiver",
  "bestFor": "Serving and veteran Indian Army, Navy, Air Force, Coast Guard, and Assam Rifles defense personnel",
  "officialLink": "https://www.bobcard.co.in/credit-card-types/indian-army-yoddha",
  "aiVerdict": {
    "score": 4.4,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "bob-indian-army-yoddha",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Bank of Baroda / BOBCARD — Indian Army YODDHA BOBCARD official schedule of charges and MITC",
    "Indian Armed Forces Defense Salary Package (DSP) Partnership — 100% LTF terms, ₹50L insurance, CSD canteen rewards & 8 lounge visits"
  ],
  "feeWaiver": "Lifetime Free with zero joining or annual renewal charges for Indian Armed Forces personnel",
  "networks": [
    "RuPay",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Eligibility",
      "value": "Serving & Veteran Indian Armed Forces Personnel"
    },
    {
      "key": "Accidental Insurance",
      "value": "₹50 Lakhs Comprehensive Personal Accidental Cover"
    },
    {
      "key": "Airport Lounges",
      "value": "2 complimentary domestic visits / quarter (8 visits/year)"
    },
    {
      "key": "CSD Canteen Spends",
      "value": "5X Reward Points (5 pts / ₹100 spent)"
    },
    {
      "key": "Fuel Surcharge",
      "value": "1% waiver on ₹400 to ₹5,000"
    }
  ],
  "earnRates": [
    {
      "category": "CSD Canteens, Groceries & Movies (5X)",
      "rate": "5 Points / ₹100 (1.25% value)",
      "monthlyCap": "Max 1,000 bonus points / month",
      "perLakhSpent": "5,000 Points (~₹1,250 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1 Point / ₹100 (0.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹250 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "CSD Military Canteens & Groceries",
      "multiplier": "5×",
      "rate": "5 Points / ₹100 (1.25%)",
      "monthlyCap": "1,000 bonus pts / month",
      "dailyCap": "—",
      "note": "5 points per ₹100 across military canteens and supermarket groceries."
    },
    {
      "channel": "General Retail Purchases",
      "multiplier": "1×",
      "rate": "1 Point / ₹100 (0.25%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "1 point per ₹100 on all other retail spending."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Shopping Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "3.49% per month (41.88% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹400 to ₹5,000 transactions (Max ₹250/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Defense Service Criteria",
      "requirement": "Serving or retired personnel of Indian Army, Navy, Air Force, Coast Guard, Assam Rifles"
    },
    {
      "criteria": "Documentation",
      "requirement": "Defense Service ID Card or Defense Salary Account with Bank of Baroda"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 70 years"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}