Bank of Baroda Varunah Plus Credit Card

The Bottom Line

Exclusively for Indian Navy Personnel

10 Rewards Points per ₹100 spent on Dining, Travel, Online and Foreign Transaction, 2 Reward Point for spent on all other categories.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	(-1.2%)^	0.2%	1.6%	1.3%	0.8%
Est. Monthly Reward (₹)	(65)	15	310	630	760
All-India Rewards Rank*	240	202	30	79	173
Within Bank Rank*	21	21	4	5	8
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Bank of Baroda Varunah Plus Credit Card is available only to the Indian Navy Personnel. It gives 2.50% effective rewards on dining, travel, online spends & foreign transactions and 0.50% for all other spending.

We estimate you can earn a net reward yield of 0.8-1.6% on all spending above ₹20,000 with this card.

If you are not a member of the Navy and need a card from Bank of Baroda, consider the Snapdeal BoB Credit Card which gives effective rewards of 5% for all purchases on the Snapdeal website & app and also gives 2.5% effective rewards on grocery and shopping.

This card gives a net reward yield of 1.2% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	Bank of Baroda Varunah Plus Credit Card
Card Type	Reward
Reward Features	10 Reward Points / ₹100 on: – Dining – Travel – Online – Foreign Txn. 2 Reward Points / ₹100 on all other spends
Milestone Rewards	Nil
Other Rewards	– 3 Complimentary Domestic Airport Lounge Visits / Qtr.
Rewards Redemption Fee	₹99
Reward Caps	2,000 Reward Points on Dining, Travel, Online and Foreign Txn.
Preferred Redemption Method	Reward Points can be redeemed as cashback @ ₹0.25/reward point

Fees & Charges

Card		Bank of Baroda Varunah Plus Credit Card
Joining Fee		₹1,499 + Taxes
Annual Fee		₹1,499 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹1.5 Lacs
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		39.00%
Foreign Currency Markup		2.50%
Cash Advance Charge		2.50% with a minimum of ₹300