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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-2.3%)^ | 0.1% | 2.3% | 1.7% | 1.0% |
| Est. Monthly Reward (₹) | (115) | 5 | 455 | 825 | 1,005 |
| All-India Rewards Rank* | 290 | 214 | 6 | 40 | 118 |
| Within Bank Rank* | 22 | 22 | 1 | 3 | 5 |
| * 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. |
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The Bank of Baroda Varunah Premium Credit Card is available only to the Indian Navy Personnel. It gives effective rewards of 3.75% on dining, travel, online spends and foreign transactions & 0.75% for all other spends.
We estimate you can earn a net reward yield of 1.0-2.3% on monthly spends 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.
| Card | Bank of Baroda Varunah Premium Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 15 Reward Points / ₹100 on: – Dining – Travel – Online – Foreign Txn. 3 Reward Points / ₹100 on all other spends |
| Milestone Rewards | Nil |
| Other Rewards | Unlimited Complimentary Domestic Airport Lounge Visits |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | 2,500 Reward Points on Dining, Travel, Online and Foreign Txn. |
| Preferred Redemption Method | Reward Points can be redeemed as cashback @ ₹0.25/reward point |
| Card | Bank of Baroda Varunah Premium Credit Card | |
|---|---|---|
| Joining Fee | ₹2,499 + Taxes | |
| Annual Fee | ₹2,499 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹1.5 Lacs | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 39.00% | |
| Foreign Currency Markup | 2.00% | |
| Cash Advance Charge | 2.50% with a minimum of ₹300 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
