Indian Navy Varunah BOBCARD Credit Card
Bank of Baroda
Annual Fee
FREE
Joining Fee
Nil (for Varunah Card),₹1,499 (for Varunah Plus Card),₹2,499 (for Varunah Premium Card)
Base Reward
1% points
Foreign Markup
2% with Premium variant, 2.5% with Plus variant and 3.5% with the basic Varunah Card
Fee Waiver
The annual fee is waived on spending ₹1.5 lakhs or more in the previous year
Interest Rate
3.49% per month
Welcome Benefits
Complimentary Amazon Prime membership for one year and Fitpass Pro membership for 6 months (with Varunah Plus and Varunah Premium Credit Card), as well as 500 bonus Reward Points with the Varunah Premium Card.
Product Highlights
- Complimentary annual membership is available for Amazon Prime.
- Complimentary 6-month Fitpass Pro membership.
- 500 bonus Reward Points as a welcome benefit (with the Varunah Premium Card).
- Reward rate of up to 15 Reward Points on every spend of ₹100.
- Low forex markup fee.
- Insurance covers worth up to ₹1 Crore.
Rewards
Up to 15x Reward Points with the Varunah Premium Card, Up to 10x Reward Points with the Varunah Plus Card, and up to 5x Rewards with the Varunah Card.
Redemption
1 Reward Point = Re. 0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 15%(15x Reward Points) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Amazon | 15x Reward Points | online |
Benefits & Features
Domestic: Unlimited complimentary domestic lounge access (with the Premium variant), 3 complimentary domestic lounge access every quarter (with the Plus variant) Full lounge access description
Fees & Charges
Eligibility
Min Age
21 years
Available Networks
Pros & Cons
Pros
- Lifetime free basic variant
- Unlimited complimentary domestic lounge access with Premium variant
- High reward rates on spends
Cons
- Annual fee for Plus and Premium variants
- Limited international lounge access
Additional Info
Important note 1
Note 2