How does airport lounge access work on this card after October 2026?

Unlimited complimentary domestic airport lounge access is unlocked on ₹40,000 of spends in the preceding calendar quarter until 30 September 2026. From 1 October 2026 the qualifying threshold rises to ₹75,000 per calendar quarter, so you must spend ₹75,000 in a quarter to keep unlimited lounge access in the next quarter.

What is the interest rate (APR) on this card?

The finance charge is 45% per annum (3.75% per month) with effect from 15 July 2026, applied to revolved balances, EMIs and cash advances. Cash advances additionally accrue interest from the transaction date with no interest-free period.

What is the annual fee for Indian Navy VARUNAH BOBCARD Premium?

The annual fee is ₹2,499, with an identical joining fee. However, the annual fee is waived if you spend ₹1.5 lakh or more in a calendar year, making it free for regular users.

How to apply for Indian Navy VARUNAH BOBCARD Premium?

Applications are typically processed through Bank of Baroda's website or branches, though eligibility is restricted to Indian Navy personnel. Contact your nearest BoB branch or visit their official portal for service-specific application procedures.

What rewards does Indian Navy VARUNAH BOBCARD Premium offer?

The card earns 3% reward points on all spends. You also receive 500 bonus reward points on approval, plus a ₹48,000 welcome package including 12 months of Amazon Prime and FITPASS PRO memberships.

What are the eligibility criteria for Indian Navy VARUNAH BOBCARD Premium?

This is an armed forces affinity card exclusively for Indian Navy personnel. Specific income and employment criteria are not detailed here—contact Bank of Baroda directly to confirm current eligibility requirements.

Does Indian Navy VARUNAH BOBCARD Premium offer airport lounge access?

Lounge access details are not specified in the card benefits provided. Check with Bank of Baroda to confirm whether this premium card includes domestic or international lounge privileges.

Is Indian Navy VARUNAH BOBCARD Premium worth it?

The card justifies its cost for Navy personnel who spend ₹1.5L+ annually—the fee waives completely at this threshold. The ₹48K welcome value (Prime + FITPASS) and consistent 3% rewards make it worthwhile for regular spenders, especially those valuing wellness and streaming benefits.

Credit Cards

Co-BrandedPremiumVisa✦ Indian Navy

Indian Navy VARUNAH BOBCARD Premium

Premium rewards for Indian Navy personnel with instant wellness perks

Annual fee₹2,499Waived on ₹1.5L spend

Rewards3.00%3 Reward Point per ₹100

Forex markup2%Reduced Forex mark-up of 2% on International Spends

Apply Now Check Eligibility →

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with Bank of Baroda. Full disclaimer

Welcome benefits

worth ₹48,000

500 bonus reward points + 12 Months Amazon Prime Membership + 12 Months FITPASS PRO Membership worth ₹48000

Type: Reward Points And Memberships
Trigger: Spend ₹5,000 within 60 days
Partner: Amazon Prime, FITPASS PRO
Validity: 365 days

Rewards

Base earn rate

3 Reward Points per ₹100 spent on any other category

Excludes: Fuel, Select MCCs, UPI

Category	Rate	Cap
Travel	—	5X Rewards are capped at 2,500 Reward Points on the mentioned categories per statement cycle
Online	—	5X Rewards are capped at 2,500 Reward Points on the mentioned categories per statement cycle
Dining	—	5X Rewards are capped at 2,500 Reward Points on the mentioned categories per statement cycle
International	—	5X Rewards are capped at 2,500 Reward Points on the mentioned categories per statement cycle

Milestone benefits

Threshold —(first_180_days)→ joining fee reversal
Threshold —(anniversary_year)→ annual fee reversal

Fees & charges

Joining fee: ₹2499
Annual / renewal fee: ₹2499
Annual fee waiver: Spend ₹25,000 in the first 180 days and get your joining fee reversed***. Spend ₹1,50,000 in every card anniversary year and get your annual fee reversed***.
Add-on card fee: lifetime free
Interest rate: 3.75% per month (45% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5%, min ₹500
Overlimit fee: 2.5%, min ₹600
Payment dishonour: ₹500
Forex markup: Reduced Forex mark-up of 2% on International Spends
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹100/cycle
Duplicate statement: ₹25