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Bank of Baroda Varunah Premium Credit Card
RuPay
Bank of Baroda Varunah Premium Credit Card
The top tier of Bank of Baroda's Varunah lineup for senior Indian Navy officers, adding international lounge access, concierge support and stronger travel/dining rewards. It is the closest thing to a premium travel card in BoB's defence-personnel portfolio.
Annual fee
₹2,499
Joining fee
₹2,499
Reward type
points
Base reward rate
1.5%
Card network
RuPay
Card tier
Premium
Who this card fits
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 & benefits
- Rewards rate: 1.5% base rate
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate (capped ₹750/monthly)
- ✈️ Travel
4% reward rate (capped ₹1,000/monthly) · Complimentary domestic and select international lounge access.
- 🛡️ Insurance
Higher personal accident and air accident insurance cover.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 730
- Employment: salaried
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.4% p.a.
Benefits
- Welcome reward points and vouchers on activation.
- Complimentary domestic and select international lounge access.
- Higher personal accident and air accident insurance cover.
- 24x7 concierge assistance.
Pros
- + Domestic and select international lounge access
- + Strong travel and dining reward rates
- + Concierge service
- + Higher insurance cover than lower Varunah tiers
Cons
- − Restricted to Indian Navy personnel
- − Highest annual fee in the Varunah family
- − Reward caps limit heavy spenders