A lot of individuals in India look for offers on a credit card rather than the credit limit. They want to have some premium experience when they spend from their credit card. The benefits of a credit card help you to save some bucks when you use it. Therefore, you can have a look at the BOB Varunah Premium Credit Card that will give you a luxurious experience. You can enjoy free membership of Amazon and Zomato on this card. On the other hand, you can earn thousands of reward points using this card abroad and for making international transactions. If you make any transaction abroad then a fee of just % will be charged which is very low. You must see all the benefits and other details of the Bank of Baroda Varunah Premium Card.
Varunah Premium Credit Card Features
Now you must be eager to know the features and benefits of this credit card. Here are some of the exclusive features of this credit card below.
Welcome Offers
- Get a complimentary 12 Months Amazon Prime Membership for free.
- Enjoy complimentary membership of Zomato Pro for 12 months.
- Get FitPass Pro Membership for 6 months on this credit card.
- Enjoy 1000 reward points as a joining bonus on this credit card.
Earn Reward Points
- Earn 15 reward points on spending INR 100 spent on travel, dining, online, and abroad.
- Enjoy 3 reward points per INR 100 spent on all the other categories through BOB Varunah Premium Credit Card.
- The Reward Points are redeemable against various brands at the BOB Reward Redemption Website.
- The value of 1 reward point is INR 0.25.
Fee Waiver Benefits
- Spend INR 25000 within 180 days from the date of card issuance and the joining fee of the card will be waived off.
- Achieve spending’s of INR 1,50,000 in a year and waive off the renewal fee of that year.
Complimentary Airport Lounge Visits
- Enjoy free visits to the domestic airport lounges in India through the Varunah Premium Card.
- Get unlimited access to the domestic airport lounges through this card.
Fuel Surcharge Waiver
- Get a fuel surcharge waiver of 1% at the refilling stations.
- The maximum waiver capped in a month is INR 250.
- The eligible transactions for the waiver must be between INR 400 to INR 5000.
Smart EMI
- Convert your transactions into EMIs through this card.
- A minimum transaction of INR 2500 or above can be converted into an EMI.
- The tenure options for the EMIs are from 6 months to 12 months on the Varuna Premium Credit Card.
Insurance Benefits
- Have an Air Accident Death Cover of INR 1 Crore.
- Get a Non-Air Accident Death Cover of INR 10 Lacs.
Other Benefits
- Get 3 Add-on cards for your loved ones without paying any fee.
- Get zero liability cover on any fraudulent transactions in case of card loss if you report the loss immediately.
- Enjoy an interest-free period for up to 50 days on the Varunah Premium credit card.
- Make contactless payments through this credit card.
BOB Varunah Premium Credit Card- Charges, Documents, and Eligibility Criteria
Here, you must go through the joining and annual fee that you will have to pay before you get the card. On the other hand, you must see the eligibility criteria, credit limit, and the documents required to apply for the Bank of Baroda Credit Card.
Bank of Baroda Varunah Premium Credit Card Fees and Charges
| Particulars | Charges |
|---|---|
| First Year Joining Fee | INR 2,499 |
| Annual Fee for the Subsequent Years | INR 2,499 |
| Add-On Card Fee | NIL |
| Spend INR 25000 within 180 Days | Joining Fee will be Waived Off |
| Spend INR 1.5 Lacs in a Year | Renewal Fee will be Waived Off |
| Foreign Currency Transaction Fee | 2% of the Transaction Amount |
| Interest-Free Period | Up to 50 Days |
| Domestic Withdrawal Charges | 2.5% with a minimum of INR 200 |
| International Withdrawal Charges | 3% with a minimum of INR 250 |
| Duplicate Bill Charges | INR 25 per Bill |
| Card Replacement Charges | INR 100 per card |
| Cheque Return Charges | INR 300 or 2% of the Cheque amount |
Bank of Baroda Varunah Premium Card Eligibility Criteria
- You should be an Indian Resident to apply for this credit card.
- Minimum age of 21 years is needed for the Primary Cardholder.
- The maximum age of the primary cardholder should not be more than 65 years.
- The minimum age of the add-on cardholder should be 18 years.
- Individuals should have a stable income to apply for this credit card.
- A minimum Cibil Score of 750 and above is needed for this BOB Credit Card.
Documents Required for the Credit Card
- Applicant’s PAN Card
- Bank Statement for the Salaried Person
- Latest ITR for the Self-Employed individual.
- Current Residence Proof
- Company’s ID Card of the salaried individual
- Recent Passport-size Photograph
How to Apply for Varunah Premium Credit Card
You can apply for the Varunah Premium Card through the BOB’s official website. You can also fill out the form above that will ask you to provide your basic details including the contact number. The representative will call you on your contact number and you can submit the documents digitally to apply for the card.
Varunah Premium Card Credit Limit
Every credit card has a good credit limit if you have a high Cibil Score and a stable income. So, the Varunah premium Credit card limit depends on your income and Cibil Score. If you have a Cibil Score of 750 and above and a high income then you will get a high credit limit on the Varunah Premium Card.
BOB Varunah Premium Credit Card Bill Payment
You can make Online Payments of the BOB Credit Cards. Here are some options available that will help you to clear Varunah Premium Credit Card bills on time.
- Bank of Baroda Net Banking
- BOB Mobile App
- NACH Facility
- NEFT
- RTGS
- Cash Payments
- Cheque Payments
- Billdesk