BOBCARD Indian Navy Varunah (Base / Plus / Premium)
An exclusive suite of three RuPay credit card variants (Varunah LTF, Varunah Plus at ₹1,499, and Varunah Premium at ₹2,499) created for officers, sailors, and veterans of the Indian Navy. Depending on the variant chosen, it offers up to 15 RPs per ₹100 on travel, dining, and online spends, up to unlimited domestic airport lounge access, complimentary FITPASS Pro and Amazon Prime memberships, and ₹1 Crore air accident cover.
Why We Recommend The BOBCARD Indian Navy Varunah (Base / Plus / Premium)
A thoughtfully tiered naval lineup where Varunah Premium delivers flagship 3.75% rewards and ₹1 Cr air/sea insurance at an easy ₹1.5L fee waiver.
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
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD Indian Navy Varunah (Base / Plus / Premium)
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD Indian Navy Varunah (Base / Plus / Premium)
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Indian Navy Varunah (Base / Plus / Premium)
Experience complimentary gourmet dining, quiet workspaces, and premium comforts before every flight.
Varunah Premium: Unlimited | Varunah Plus: 12/year (3/quarter) | Varunah Base: None
Valid across 40+ premier domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Complimentary international airport lounge access is reserved for premium travel credit cards.
What Makes BOBCARD Indian Navy Varunah (Base / Plus / Premium) Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
Three tailored tiers (LTF Base, Plus, and Premium) matching naval rank and spending preferences.
In-built Personal Accidental Death Cover on Premium: ₹1 Crore (Air) and ₹10 Lakhs (Non-Air including Sea).
Discounted ₹1,50,000 annual spend waiver on Varunah Premium (vs ₹2,50,000 on civilian Eterna).
Honest Pros & Cons of the BOBCARD Indian Navy Varunah (Base / Plus / Premium)
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Varunah Premium gives Eterna-grade 3.75% rewards and unlimited lounges with a lower ₹1.5L annual fee waiver.
- Includes specialized sea and air accidental death coverage for naval personnel.
- Subsidized 2.00% (Premium) and 2.50% (Plus) forex markup beneficial for international naval deployments.
Things to Consider (Cons)
- Restricted exclusively to Indian Navy personnel and veterans.
- Base LTF Varunah card does not include complimentary airport lounge access.
- Accelerated 5X points on Premium are capped at 2,500 RPs per cycle.
Who Can Apply for the BOBCARD Indian Navy Varunah (Base / Plus / Premium)?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
680+ Score Recommended
Applicants with a score above 680 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Indian Navy Varunah (Base / Plus / Premium)
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD Indian Navy Varunah (Base / Plus / Premium) is Varunah: ₹0 (LTF) | Varunah Plus: ₹1,499 + GST | Varunah Premium: ₹2,499 + GST.
You can have this fee completely waived by meeting the annual spend milestone: Varunah: Unconditionally LTF | Plus: Joining waived on ₹15k/180 days, Annual on ₹1.5L/yr | Premium: Joining waived on ₹25k/180 days, Annual on ₹1.5L/yr. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD Indian Navy Varunah (Base / Plus / Premium) features: Up to 5X Reward Points (15 RPs/₹100 = 3.75% on Premium; 10 RPs/₹100 = 2.5% on Plus) on travel, online, dining & international spends.
Base reward: Varunah Premium: 3 RPs/₹100 (0.75%) | Varunah Plus: 2 RPs/₹100 (0.50%) | Varunah Base: 1 RP/₹100 (0.25%).
Accelerated reward: Premium: 15 RPs/₹100 on travel, online, dining & international (cap 2,500 RPs/cycle) | Plus: 10 RPs/₹100 on same categories (cap 2,000 RPs/cycle) | Base: 5 RPs/₹100 on departmental stores.
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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Ready to Apply for the BOBCARD Indian Navy Varunah (Base / Plus / Premium)?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.