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 Reward Points per ₹100 spent on any other category

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

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

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

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

Late payment