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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. For a ₹1,499 fee (joining fee reversed on ₹15,000 spend in 180 days, annual fee on ₹1.5 lakh a year) it earns 5X points (2.5%) on travel, online, dining and international spend, adds three domestic lounge visits a quarter and a 2.5% forex markup, and cards issued from 1 August 2026 get a 12-month FITPASS PRO membership.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
0.5%
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 travel, dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 3 complimentary domestic lounge visits per quarter on ₹20,000 quarterly spend
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate (capped ₹500/monthly)
- ✈️ Travel
2.5% reward rate (capped ₹500/monthly) · 3 complimentary domestic airport lounge visits per quarter, on ₹20,000 spend in the preceding calendar quarter
- 🛡️ Insurance
Personal accidental death cover: ₹50 lakh (air) and ₹10 lakh (non-air, including sea)
- 🛍️ Shopping
2.5% reward rate (capped ₹500/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle
- 🌍 Forex / international spend
2.5% 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 ₹1,50,000
- Foreign currency markup: 2.5%
- Interest rate: 40.8% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher
Benefits
- 12-month FITPASS PRO membership for cards issued on or after 1 August 2026; 500 points on ₹5,000 spend within 60 days
- 12-month Amazon Prime membership (milestone offer)
- 3 complimentary domestic airport lounge visits per quarter, on ₹20,000 spend in the preceding calendar quarter
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle
- Personal accidental death cover: ₹50 lakh (air) and ₹10 lakh (non-air, including sea)
Pros
- + 5X points (2.5%) on travel, online, dining and international spend
- + 3 domestic lounge visits a quarter
- + 12-month FITPASS PRO and Amazon Prime memberships
- + ₹50 lakh air accident cover
Cons
- − Restricted to Indian Navy personnel
- − ₹1,499 annual fee unless you spend ₹1.5 lakh a year
- − Lounge visits need ₹20,000 spend in the previous quarter
Best for