Bank of Baroda
Indian Navy Varunah BOBCARD Credit Card
Annual Fee
₹2,949₹2,499 + GSTBase Reward
1% points
Foreign Markup
2% with Premium variant, 2.5% with Plus variant and 3.5% with the basic Varunah Card
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.
Category Rewards
travel
5X on travel, online, dining, intl
5X
Specialty
5X on travel, online, dining, intl
5X
dining
5X on travel, online, dining, intl
5X
Specialty
5X on travel, online, dining, intl
5X
Fee Waiver
The annual fee is waived on spending ₹1.5 lakhs or more in the previous year
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
15x Reward Points
Reward Calculator
Costs you ₹699/year
Break-even needs ~₹17,039/month at your reward mix.
₹13K
across all your buckets
9K
BOBCARD Reward Points
₹2.3K
via standard · ₹0.25/pt
Effective rate
1.44%
Annual fee
₹2,949
Year 1 net
₹-699
Year 2+ net
₹-699
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
5X on travel, online, dining, intl
Headline: 3.75% effective
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, government
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
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.
- 1 Reward Point = Re. 0.25
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
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
Partner Merchants
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
The annual fee is waived on spending ₹1.5 lakhs or more in the previous year