Bank of Baroda Varunah Premium Credit Card

Best suited to salaried applicants with a credit score of roughly 730+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 0.75% base rate
• Domestic lounge access: Unlimited complimentary domestic lounge access on ₹75,000 quarterly spend

• 🍽️ Dining & food delivery

  3.75% reward rate (capped ₹625/monthly)

• ✈️ Travel

  3.75% reward rate (capped ₹625/monthly) · Unlimited complimentary domestic airport lounge access, on ₹75,000 spend in the preceding calendar quarter

• 🛡️ Insurance

  Personal accidental death cover: ₹1 crore (air) and ₹10 lakh (non-air, including sea)

• 🛍️ Shopping

  3.75% reward rate (capped ₹625/monthly)

• ⛽ Fuel

  1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle

• 🌍 Forex / international spend

  2% forex markup on international transactions

• Minimum credit score: 730
• Employment: salaried
• Age: 21–60

• Spend-based waiver: Waived on annual spend of ₹1,50,000
• Foreign currency markup: 2%
• 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• Cash advance charges: 2.5% of the amount withdrawn, or ₹500, whichever is higher

• 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 on ₹1 lakh spend within 90 days
• Unlimited complimentary domestic airport lounge access, on ₹75,000 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: ₹1 crore (air) and ₹10 lakh (non-air, including sea)