BOB Varunah Premium Credit Card - Benefits, Fee, Features & Offers

BOB Varunah Premium Credit Card

A lot of individuals in India look for offers on BoB credit cards 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.

TravelEarn 5X i.e.15 Rewards Points for every Rs.100 spent on Travel, Dining, Online & International Spends*
TravelUnlimited Complimentary Domestic Airport Lounge Visits
TravelReduced Forex mark-up of 2% for Savings on International Spends
Shopping12 Months Amazon Prime Membership
ShoppingEarn 3 Reward Points for every Rs.100 spent on other categories
Daily Benefit2000 Reward Points on Card Activation within 30 days
Daily Benefit6 Months FITPASS Pro Membership

5X Rewards: For 5X Rewards, the correct merchant category code (MCC) is crucial. The Credit Card issuer (BOB Financial) relies on the international/online flag or MCC provided by the merchant acquirer. If the flag/identifier is missing or incorrect, only regular Reward Points are awarded, not 5X. The eligible categories include International, Dining (MCC 5812 and 5814), Travel (MCC 4722), and Online transactions. The MCC of the merchant establishes the purchase category. BOB Financial reserves the right to determine eligibility. Cardholders should confirm the MCC with the merchant before swiping. Only the listed MCCs qualify for Accelerated Reward Points. Additional points are automated and reflected in the next monthly statement. BOB Financial is not responsible for disputes arising from differences in MCC mapping by acquiring banks.

Lounge Access: Your RuPay Credit Card unlocks unlimited domestic airport lounge access, a privilege reserved for the discerning traveller. Arrive refreshed and ready to conquer your destination.

Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at any petrol station in India! Simply use your RuPay Credit Card for transactions between Rs.400 and Rs.5,000. This benefit saves you up to Rs.250 per month on fuel surcharges, a sneaky hidden cost at the pump.

Fee Associated with BOB Varunah Premium Credit Card

Here’s a run-down of BoB credit card fees for Varunah Premium Credit Card:

Type of FeesCharges (in ₹)
First Year2,499

First Year Fee: There’s an annual fee of Rs. 2,499 for this credit card. However, you can get this fee waived back if you meet a specific spending requirement within the first 6 months of getting the card. Spend Rs. 25,000 or more on your card within the first 180 days after the card is set up. You’ll see this reflected in your 4th bill statement after the card was issued.

Annual Fee: You have an annual fee of Rs. 2,499. This means you’ll be charged this amount unless you qualify for a waiver. To avoid paying the fee, you need to spend Rs. 1,50,000 on your card in the year before your next annual fee is due. This means you have a whole year to reach this spending target. If you achieve this spending goal, the Rs. 2,499 fee will be automatically waived off for the upcoming year. You won’t have to pay it at all.

Eligibility Criteria

  • Exclusively available for Indian Navy Personnel.

How to Apply for a BOB Credit Card?

Applying for a BOB credit card is simple and convenient! Here’s a step-by-step guide to get you started:

1. Choose Your Card:

Explore the range of BOB credit cards on their website ( or visit your nearest BOB branch. Consider your spending habits, lifestyle, and desired rewards to find the perfect match.

2. Check Eligibility:

Each card has specific eligibility criteria like age, income, and credit score. Review the details on the card’s webpage or consult a BOB representative for assistance.

3. Online Application:

  • Visit the BOB website and select “Apply Now” next to your chosen card.
  • Fill out the online application form with accurate personal and financial information.
  • Attach scanned copies of required documents like PAN card, proof of address, and income proof.
  • Review and submit the application.

4. Offline Application:

  • Download the application form from the BOB website or collect it from a branch.
  • Fill out the form diligently and attach relevant documents.
  • Submit the completed application at any BOB branch.

5. Document Requirements:

  • Identity: PAN card, Aadhaar card, Passport, Driving License
  • Address: Utility bills, Bank statements, Voter ID card
  • Income: Salary slips, Income tax returns (for high-value cards)

6. Verification and Approval:

Once submitted, your application will undergo verification by BOB. This may involve document checks and credit score evaluations. You might receive a call or email for further information.


Indian Navy? Varunah’s your card! Get it for free forever (basic variant) or unlock more perks by spending (other variants): better rewards, lounge access, and more compared to other navy cards. If you’re eligible, this best credit card‘s got your back. This Premium version keeps the key points like free options and better benefits.


Q. Is the BOB Varunah Premium Credit Card Lifetime Free?

A. No, you have to pay a joining and annual fee of Rs. 2,499.

Q. Who is eligible for a free add-on card?

A. You can request up to 3 free add-on cards for the following family members:
Your spouse
Your parents
Your siblings
Your children (above the age of 18)

Q. Is there any additional cost for availing the in-built insurance cover?

A. There is no additional cost for Indian Navy Personnel to avail of the insurance benefit.