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Bank of Baroda Varunah Plus Credit Card
RuPay
Bank of Baroda Varunah Plus Credit Card
The mid-tier variant of Bank of Baroda's Indian Navy Varunah family, adding domestic lounge access and higher reward caps over the base card in exchange for a modest annual fee. Aimed at mid-career Navy personnel who spend enough to offset the fee through the waiver threshold.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to salaried applicants with a credit score of roughly 700+ whose spend is concentrated in groceries, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate (capped ₹500/monthly)
- 🛒 Groceries
5% reward rate (capped ₹750/monthly)
- ✈️ Travel
Complimentary domestic airport lounge access.
- 🛡️ Insurance
Enhanced personal accident and air accident cover.
- ⛽ Fuel
1% fuel surcharge waiver, capped monthly.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.4% p.a.
Benefits
- Welcome reward points on activation.
- Complimentary domestic airport lounge access.
- 1% fuel surcharge waiver, capped monthly.
- Enhanced personal accident and air accident cover.
Pros
- + Domestic lounge access
- + Higher reward caps than the base Varunah
- + Annual fee waiver on moderate annual spend
- + Enhanced insurance cover
Cons
- − Restricted to Indian Navy personnel
- − Annual fee applies unless spend threshold met
- − Reward rate outside bonus categories is unremarkable