BOB Varunah RUPAY credit card
Bank of Baroda
Last updated: Feb 03, 2026
₹2,499
₹2,499
2%
Unlimited lounge access
Contents
BOB Varunah RuPay Credit Card is a premium BOBCARD designed exclusively for Indian Navy personnel. You earn 5X rewards on travel, dining, online and international spends, plus strong base rewards on all other purchases. Unlimited complimentary domestic airport lounge access and reduced 2% forex mark-up make it ideal for frequent travellers. You also enjoy powerful benefits like fuel surcharge waiver, built-in insurance cover and complimentary Amazon Prime and FITPASS Pro memberships.
Features of BOB Varunah RUPAY credit card which makes it unique
Defence-Focused Design
Exclusive Indian Navy co-branded credit card that recognises service personnel.
Access to premium lifestyle and travel benefits tailored for defence needs.
More defence-specific rewards than generic premium cards.
Complimentary Amazon Prime & FITPASS Pro
Enjoy 12-month Amazon Prime and 6-month FITPASS Pro membership as welcome gifts.
Entertainment, faster deliveries and all-India fitness access bundled with the card.
High real-world membership value compared to similar fee cards.
Rewards Structure of BOB Varunah RUPAY credit card
Travel & International Spends
acceleratedFlights, hotels, travel bookings and international transactions
Best value for frequent domestic and international travellers using the card regularly.
Dining
acceleratedRestaurants and food delivery merchants
Ideal for everyday dining and celebrations at partner and non-partner restaurants.
Online Shopping
acceleratedE-commerce and other online merchants in India
Great for shopping on popular platforms while maximising accelerated reward earning.
Other Retail Spends
baseAll eligible retail transactions excluding fuel and restricted MCCs
Base rewards apply on day-to-day spends like groceries, utilities and offline shopping.
Milestones of BOB Varunah RUPAY credit card
First-Year Joining Fee Reversal
₹25,000 : Full reversal of the first-year joining fee.
Annual Fee Reversal
₹1,50,000 : Reversal of annual fee from the next statement.
Fees & Charges of BOB Varunah RUPAY credit card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,499 |
| Annual Fee | ₹2,499 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹400 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹400 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Joining fee reversed on spends of ₹25,000 in the first 180 days; annual fee reversed on spends of ₹1,50,000 in each card anniversary year.
Fee Explanation Standard BOBCARD charges apply, including 2.5% cash advance fee (min ₹500), late payment charges as per MITC, and slab-wise overlimit fees.
Detailed Explanation of BOB Varunah RUPAY credit card Fees
Joining & Annual Fee: ₹2,499 + GST (yearly)
Joining and annual fee reversed on meeting spend milestones as per card terms.
Cash Advance Fee: 2.5% of amount (min ₹500) (transaction)
Finance charges apply from the transaction date until full repayment.
Forex Mark-up: 2% of transaction amount (transaction)
Applicable on all international and non-INR transactions.
Fuel Surcharge Waiver: 1% waiver up to ₹250 per statement cycle (monthly)
Valid on fuel spends between ₹400 and ₹5,000 per transaction at all fuel stations in India.
Late Payment Charges: ₹400–₹1,300 per statement cycle (monthly)
As per BOBCARD MITC slabs based on total outstanding due.
Lounge Access Benefits with BOB Varunah RUPAY credit card
domestic Lounges
platinumVisits per year: Unlimited
Guest access: No
Unlimited complimentary domestic airport lounge access for primary cardholder on RuPay; effective 1 Jan 2025, requires ₹40,000 spends in the preceding calendar quarter.
Insurance Coverage with BOB Varunah RUPAY credit card
Personal Accident – Air
₹1,00,00,000Complimentary cover for accidental death while travelling by air as per policy terms.
Personal Accident – Non-Air & Sea
₹10,00,000Complimentary cover for accidental death in non-air (including sea) travel as per policy terms.
Additional Features of BOB Varunah RUPAY credit card
Contactless Payments
Tap-and-pay enabled chip card for quick and secure contactless transactions.
Contactless limits and PIN-less thresholds as per RBI and BOBCARD guidelines.
Smart EMI
Convert purchases above ₹2,500 into easy EMIs for 6 to 48 months.
Conversion fee and interest rate as per BOBCARD Smart EMI programme.
Free Add-on Cards
Up to 3 lifetime-free add-on cards for close family members.
Available for spouse, parents, siblings or children above 18 years.
Rewards to Cashback
Redeem accumulated reward points directly as statement cashback.
Redemption value currently 1 Reward Point = ₹0.25, subject to programme changes.
Welcome Bonus with BOB Varunah RUPAY credit card
Welcome Bonus: 500 Reward Points
Bonus Conditions: Spend ₹5,000 or more within 60 days of card issuance to receive the welcome bonus.
Application Process for BOB Varunah RUPAY credit card
Processing Time
3–5 working days after successful KYC and verification.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Submit the online application form on the BOBCARD portal with basic personal and service details.
Upload KYC documents, Indian Navy ID and income proof for verification.
Complete Aadhaar-based e-sign and video KYC as prompted by BOBCARD.
Receive approval update and track dispatch of your Varunah RuPay credit card.
Required Documents for BOB Varunah RUPAY credit card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
BOB Varunah RUPAY credit card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at POS terminals and online merchants across India on the RuPay network.
International Acceptance
Usable for international online transactions and at select overseas merchants supporting RuPay/JCB acceptance.
Online Acceptance
Accepted at major Indian e-commerce websites, billers and apps.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for BOB Varunah RUPAY credit card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian citizens – Indian Navy personnel and veterans only.
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Available only to designated sailors, officers and veterans of the Indian Navy with a valid service ID, PAN and Aadhaar.
How Approval Is Decided
- Applicant must be a serving or retired Indian Navy personnel within the eligible age band.
- Clean credit history and minimum internal credit score as per BOBCARD policy.
- Successful completion of KYC, income and service verification checks.
Pros of BOB Varunah RUPAY credit card
- Excellent value for frequent travellers and online shoppers.
- Powerful lounge access benefits for domestic airports across India.
- Attractive welcome gifts and spend-based fee waiver milestones.
- Comprehensive insurance cover suited to defence personnel.
- Rewards can be easily converted to cashback at transparent value.
Cons of BOB Varunah RUPAY credit card
- Eligibility restricted to Indian Navy personnel and veterans.
- High joining and annual fee if spend-based waiver is not achieved.
- Accelerated rewards capped per statement cycle on bonus categories.
- No dedicated international lounge programme like Priority Pass.
Frequently Asked Questions about BOB Varunah RUPAY credit card
Who is eligible for the BOB Varunah RuPay Credit Card?
The card is exclusively available to designated sailors, officers and veterans of the Indian Navy who meet BOBCARD’s internal credit and KYC policies.
Is the BOB Varunah RuPay Credit Card a lifetime free card?
The Varunah Premium RuPay variant charges a joining and annual fee of ₹2,499 plus GST, which can be reversed on achieving the specified spend milestones.
What reward rate do I earn on my everyday spends?
You earn 15 Reward Points per ₹100 on travel, dining, online and international transactions and 3 Reward Points per ₹100 on other eligible retail spends.
Does the card offer airport lounge access?
Yes, the RuPay Varunah Premium card provides unlimited complimentary domestic airport lounge access for the primary cardholder, subject to minimum quarterly spend requirements.
What is the forex mark-up on international transactions?
A low forex mark-up of 2% of the transaction amount is charged on international and non-INR spends, helping you save on overseas usage.
Is there any fuel surcharge waiver on this card?
Yes, you get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 per transaction, with a maximum benefit of ₹250 per statement cycle.
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