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Bank of Baroda Varunah Credit Card
RuPay
Bank of Baroda Varunah Credit Card
A lifetime-free RuPay card Bank of Baroda issues exclusively to serving Indian Navy personnel, part of the three-tier Varunah family (base, Plus, Premium). Rewards are modest but the zero fee and easy issuance through Navy payroll accounts make it a reasonable starter card for eligible personnel.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to salaried applicants with a credit score of roughly 650+ whose spend is concentrated in groceries. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛒 Groceries
5% reward rate (capped ₹500/monthly)
- 🛡️ Insurance
Complimentary personal accident insurance cover.
- ⛽ Fuel
1% fuel surcharge waiver on transactions between Rs.400-Rs.5,000, capped at Rs.250 per statement cycle.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Employment: salaried
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.4% p.a.
Benefits
- Reward points on card activation.
- 1% fuel surcharge waiver on transactions between Rs.400-Rs.5,000, capped at Rs.250 per statement cycle.
- Complimentary personal accident insurance cover.
Pros
- + Lifetime free, zero annual fee
- + 5x points on groceries and departmental stores
- + Fuel surcharge waiver
- + Built-in personal accident cover
Cons
- − Restricted to Indian Navy personnel only
- − Reward rate on general spend is low
- − No lounge access on the base variant