Summary
The Bank of Baroda Varunah Credit Card is an elite credit card designed exclusively for the Indian Navy, with an amalgamation of luxury, safety, and fiscal benefits. Its elegant look, drawing inspiration from a rich blue theme and Indian Navy emblem, symbolizes the authority and sophistication of naval officials. The card offers several facilities that make it a rewarding money instrument for daily spending and splurges.
One of the major attractions of this card is its reward points system, under which customers get 5 reward points for each ₹100 spent at restaurants, travel, and abroad, and 1 reward point for each ₹100 spent in all other categories. These points are redeemable against rewards, thus making spending more rewarding. The card also provides free domestic airport lounge access every three months, a touch of class to travel.
For everyday users, the 1% fuel surcharge waiver on India fuel pump transactions of ₹400 – ₹5,000 guarantees cost savings on fuel. The Credit card is also contactless-enabled, hence guaranteeing fast, safe, and convenient transactions. It also provides zero liability on loss or theft of cards, hence giving customers peace of mind.
Introduction
Bank of Baroda’s Varunah Credit Card is a special credit card designed especially for persons associated with the Navy and Defense Services. The aim of the BoB Varunah Credit Card is to provide financial facilities to those who make an important contribution to the security of the country. Bank of Baroda has designed the BoB Varunah Credit Card keeping in mind the needs and lifestyle of the security personnel.
Varunaah Credit Card offers you many benefits, such as cashback, reward points, and fuel surcharge waiver. Apart from this, many travel and insurance-related facilities are also available with the BoB Varunah Credit Card. BoB Varunah Credit Card can prove to be a smart financial solution for persons associated with defense services as it offers many great offers and low interest rates.
Through a credit card, you can not only make your everyday purchases easier, but can also use it for travel, health, and other major expenses. Bank of Baroda has tried to make it convenient according to the changing needs of the security personnel so that they can remain worry-free in financial matters and focus on serving the country.
In today’s article, we will discuss in detail about BoB Varunah Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of BoB Varunah Credit Card in this article and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not have any problems later.
What is the Bank of Baroda Varunah Credit Card?
The Credit Card is a specially designed credit card to suit the requirements of Indian Navy personnel and their families. The Bank of Baroda Varunah Credit Card is designed to suit their specific requirements and lifestyle, to provide them with financial conveniences and special benefits.
Varunah Credit Card gives cardholders reward points on spending, cashback, fuel surcharge waiver, and insurance coverage. Apart from this, the BoB Varunah Credit Card also offers various insurance benefits such as personal accident coverage and air travel insurance.
What is the design of the Bank of Baroda Varunah Credit Card?
The BoB Varunah Credit Card is a stylish and premium card that talks of its exclusivity for Indian Navy officers. The card comes in a deep blue color scheme symbolizing the strength and pride of the Navy. It has the official Indian Navy logo, giving it an elitist look.
The card supports contactless payment, and thus one can make payments with ease and security. The overall look is elegant and professional and appropriate for defense personnel.
What are the benefits of the Bank of Baroda Varunah Credit Card?
These are the key benefits:
- Reward Points
- 5 reward points as per ₹100 spent at restaurants, domestic travel, and international transactions.
- 1 reward point for ₹100 spent in all other categories.
- Airport Lounge Access
- Enjoy domestic airport lounge access on a complimentary basis, four times a year.
- Surcharge Waiver on Fuel Purchase
- Avail of the 1% waiver on the surcharge rate in case of fuel purchases between ₹400 – ₹5,000 at Indian outlets.
- Welcome Rewards
- Earn bonus reward points during card activation and the first purchase.
- Contactless
- Quick and Secure Transactions
- Fast, secure, and contactless with tap-and-pay technology.
- Zero Liability Protection
- Enjoy zero liability against unauthorized transactions at the time of card loss/stolen if informed to the Bank within a prompt period.
What are the Bank of Baroda Varunah Credit Card fees?
Here is a simple Varunah Credit Card fee breakup.
| Joining Fee | NIL |
| Annual Fee | NIL |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a Bank of Baroda Varunah Credit Card?
The following are the primary requirements:
- To apply for the BoB Varunah Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.
- Your credit score plays a role in the selection process. Bank of Baroda tends to favor borrowers with a better credit score, usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get a Bank of Baroda Varunah Credit Card?
The documents that you will have to submit to Get a BoB Varunah Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Bank of Baroda Varunah Credit Card be used?
Here is the list of places where you can use it:
- With the BoB Varunah Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your BoB Varunah Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The BoB Varunah Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the Bank of Baroda Varunah Credit Card?
The credit amount you can spend is what you are provided with a BoB Varunah Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for a Bank of Baroda Varunah Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Bank of Baroda, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by the Bank of Baroda; for instance, you can choose the BoB Varunah Credit Card.
- Just hover your cursor on the BoB Varunah Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Bank of Baroda branch to apply for the BoB Varunah Credit Card.
- Request for the credit card application form for the BoB Varunah Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the BoB Varunah Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Bank of Baroda Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a Bank of Baroda Varunah Credit Card in 2025 be right?
Yes, getting aaBank of Baroda Varunah Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
BoB is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Bank of Baroda Varunah Credit Card has been formulated keeping in mind the financial needs of Indian Navy officers and their families. BoB Varunah Credit Card is not only convenient for regular shopping but also convenient for paying big bills. Reward points, cashback, and waiver of fuel surcharge are some features that make it even more convenient.
Varunaah Credit Card is framed keeping in view the Navy officers, which upgrades their financial standing and gives them unique benefits when shopping. Bank of Baroda Varunah Card is not only utilized for everyday spending, but it can also be utilized for trips, medical services, fuel, and other things.
The biggest plus point of the BoB Varunah Credit Card is that it has certain benefits for the security and lifestyle of the Navy officers, which make them financially secure as well as convenient in every way. Straightforward charges, lower interest rates, and appealing offers make it a sure bet and a wise choice.
Frequently Asked Questions (FAQ’s)
Ans: For every spend, you receive reward points, which you can redeem later. The reward point rate is different based on the nature of your spending.
Ans: You can directly apply online on the Bank of Baroda website or you can approach the nearest bank branch to apply for a BoB Varunah Credit Card.
Ans: Yes, with the BoB Varunah Credit Card, your high-value transactions can be paid back in easy monthly installments (EMIs).
Ans: The credit limit is determined by the cardholder’s income, credit history, and other financial data.
Ans: You can redeem your reward points on different products, vouchers, or services as per the rewards catalog of the bank.
