BOBCARD Varunah (RuPay)
An exclusive Lifetime Free credit card created for the officers and personnel of the Indian Navy. Operating on RuPay Select, it offers 8 domestic airport lounge visits per year, quarterly golf access, accelerated rewards at Naval CSD canteens and mess facilities, and a reduced 2.00% forex fee for international port visits.
Why We Recommend The BOBCARD Varunah (RuPay)
An exclusive zero-fee tribute card giving naval officers luxury perks, golf privileges, and lounge access for life.
Serving Indian Navy sailors, commissioned officers, and retired naval veterans.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BOBCARD Varunah (RuPay)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BOBCARD Varunah (RuPay)
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Varunah (RuPay)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BOBCARD Varunah (RuPay) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Unconditionally Lifetime Free credit card for naval defense personnel.
Complimentary golf games and rounds at premier golf clubs.
Subsidized 2.00% foreign exchange markup on international port visits.
Pros & Cons of the BOBCARD Varunah (RuPay)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Zero annual cost with luxury-grade perks like golf and airport lounges.
- Discounted 2.0% forex fee beneficial for international naval deployments.
- RuPay Select benefits including concierge and wellness passes.
Things to Consider (Cons)
- Restricted exclusively to Indian Navy personnel and naval veterans.
- Requires military identification validation.
- Domestic airport lounge visits capped at 2 per quarter.
Who Can Apply for the BOBCARD Varunah (RuPay)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
680+ Score Recommended
Applicants with a credit score of 680 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Varunah (RuPay)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the BOBCARD Varunah (RuPay)?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.