Exclusive rewards and privileges designed for the brave hearts of Indian Navy and their families
1% cashback on fuel transactions nationwide
1,000 bonus reward points on card activation
Additional reward points on achieving annual spend milestones
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| Benefit | Details |
|---|---|
| Dedicated Navy Card | Exclusively available for serving and retired Indian Navy personnel and their dependents, honoring their service with tailored benefits. |
| Reward Points Programme | Earn 1 reward point for every ₹100 spent. Points can be redeemed for merchandise, vouchers, and lifestyle products. |
| Welcome & Milestone Benefits | Receive 1,000 bonus reward points upon card activation and earn milestone rewards on achieving annual spending targets. |
| Fuel Surcharge Waiver | Enjoy 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations across India. |
| Railway Lounge Access | Complimentary access to railway lounges for comfortable pre-journey experiences at select stations. |
| Dining & Lifestyle Offers | Access exclusive dining discounts and lifestyle offers through BOB partnerships with leading merchants. |
| Emergency Card Replacement | Get emergency card replacement services when traveling within India or abroad. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Bank of Baroda |
| Bank / Non-bank | Bank-affiliated |
| Category | Lifestyle & Rewards |
| Type of Card | Co-branded Credit Card (Exclusive for Indian Navy) |
| Free or Paid | ₹500 + GST Annually (Fee waiver on annual spends of ₹1 lakh) |
The Bank of Baroda INDIAN NAVY VARUNAH Credit Card is specially designed to honor and serve Indian Navy personnel, both serving and retired, and their families. This exclusive co-branded credit card recognises the commitment and sacrifice of naval personnel by offering practical benefits including fuel savings, reward points on everyday spending, railway lounge access, and lifestyle privileges. With an affordable annual fee structure and fee waiver benefits, it's ideal for Navy families seeking a dedicated credit card that combines utility with recognition of their service to the nation.
Exclusive Eligibility: The card is available exclusively to serving Indian Navy personnel, retired Navy veterans, and their dependent family members, making it a unique offering that celebrates naval service.
Accessible Annual Fee: With an annual fee of just ₹500 + GST, the card remains affordable. Furthermore, the fee is waived entirely on achieving annual spends of ₹1 lakh, making it essentially free for regular users.
Practical Fuel Benefits: The 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 provides tangible savings at fuel stations nationwide, particularly valuable for Navy families managing daily commute and travel expenses.
Reward Points Accumulation: Earn 1 reward point for every ₹100 spent across all categories. These points can be redeemed through the BOBCARD rewards catalogue for merchandise, gift vouchers, and lifestyle products.
Welcome Bonus: Receive 1,000 bonus reward points immediately upon card activation, providing an instant head start to your rewards journey.
Railway Lounge Access: Enjoy complimentary access to railway lounges at select stations across India, offering comfort before train journeys—particularly useful for Navy personnel and families traveling between postings.
Milestone Rewards: Achieve annual spending milestones to unlock additional bonus reward points, encouraging card usage while providing extra value.
Emergency Services: Access emergency card replacement services both within India and internationally, ensuring you're never stranded without payment options during travel.
Dining & Merchant Offers: Benefit from exclusive dining discounts and merchant offers through Bank of Baroda's partnerships with leading retailers, restaurants, and lifestyle brands.
Insurance Coverage: The card includes standard purchase protection and lost card liability protection, safeguarding your transactions and providing peace of mind.
All Purchases: Earn 1 reward point for every ₹100 spent on all eligible transactions, including retail purchases, dining, online shopping, and bill payments.
Welcome Points: Receive 1,000 bonus reward points credited to your account upon card activation.
Milestone Bonuses: Earn additional bonus reward points upon achieving specified annual spending thresholds as per the bank's current offers.
Minimum Redemption: Minimum threshold applies for redeeming reward points through the BOBCARD rewards catalogue.
Redeeming Reward Points
Rewards Catalogue: Access the comprehensive BOBCARD rewards catalogue featuring electronics, home appliances, lifestyle products, fashion accessories, and gift vouchers.
Merchant Vouchers: Redeem points for vouchers from popular brands across categories including fashion, dining, entertainment, and e-commerce.
Direct Redemption: Points can be redeemed directly through the BOBCARD portal or mobile app for convenient access to rewards.
Points Validity: Reward points remain valid for an extended period, allowing strategic accumulation for high-value redemptions.
Activation Bonus: 1,000 reward points credited upon successful card activation, equivalent to ₹1,000 worth of spending.
Annual Fee Waiver: Annual fee of ₹500 + GST waived entirely on achieving annual spends of ₹1 lakh.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5,000 at petrol pumps across India.
Monthly Cap: Applicable on fuel transactions subject to monthly transaction limits as per bank policy.
Nationwide Acceptance: Valid at all authorised fuel stations accepting credit card payments.
Complimentary Access: Access to railway lounges at select railway stations across India for comfortable pre-journey waiting.
Usage Limits: Subject to specific usage limits per calendar year as per the current programme terms.
Booking Process: Access details and booking procedures available through BOBCARD customer service.
Restaurant Discounts: Exclusive discounts at partner restaurants and dining establishments across major cities.
Merchant Offers: Special offers and discounts at leading retail stores, lifestyle brands, and e-commerce platforms.
Seasonal Promotions: Access to periodic promotional offers and festive discounts throughout the year.
Emergency Replacement: Emergency card replacement facility available 24/7 when traveling domestically or internationally.
Emergency Cash: Access emergency cash disbursement services in case of card loss or theft during travel.
24/7 Support: Round-the-clock customer support for card-related emergencies and assistance.
Purchase Protection: Coverage against theft or accidental damage of items purchased using the card, subject to terms and conditions.
Lost Card Liability: Protection against unauthorised transactions following card loss or theft, as per bank's liability policy.
Reward points are not earned on the following transaction categories:
Cash withdrawals and cash advances
EMI conversions
Card fees and charges
Balance transfers
Reversals and refunds
Certain merchant category codes as specified by the bank
Note: The exclusion list is relatively standard for a lifestyle rewards card in this fee category.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + GST (~₹590) | One-time charge when the card is issued. Waived for the first year on card activation. |
| Annual Fee | ₹500 + GST (~₹590) | Charged every year from the second year onwards. Waived on annual spends of ₹1 lakh. |
| Add-on Card Fee | Nil | Complimentary add-on cards available for eligible family members. |
| Interest Rate (APR) | 3.35% per month (40.2% annually) | Applicable on outstanding balances after the due date. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Charged on international transactions in foreign currency. |
| Cash Withdrawal Fee | 2.5% of cash amount (Minimum ₹300) | Applicable on cash withdrawals from ATMs or banks. |
| Cash Advance Limit | As per bank's policy | Maximum cash withdrawal permitted based on credit limit. |
| Late Payment Fee | Up to ₹1,000 based on outstanding amount | Charged when minimum payment is not made by the due date. Fee increases with higher outstanding balances. |
| Over-limit Penalty | 2.5% of over-limit amount (Minimum ₹500) | Charged when spending exceeds the sanctioned credit limit. |
| Cheque Return/Dishonour Fee | ₹300 per instance | Charged when payment cheque bounces or auto-debit instruction fails. |
| Reward Redemption Fee | As per bank policy | May apply on certain reward redemption transactions through the catalogue. |
| Duplicate Statement Charges | ₹50 per statement | Charged for requesting duplicate physical statements. |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 65 years |
Eligible Applicants | Serving Indian Navy personnel, retired Navy veterans, and their dependent family members only |
Service Status | Valid Indian Navy service credentials or veteran documentation required |
Citizenship | Must be a Resident of India |
Credit Score | Good to excellent CIBIL score (preferably 700+) recommended |
Income | Steady income source; specific thresholds apply based on rank/position and employment status |
Banking Relationship | Not mandatory to have existing Bank of Baroda account, but beneficial for faster processing |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Recent Utility Bill (within 3 months) |
| Navy Service Proof | Indian Navy Service Identity Card (for serving personnel) / Discharge Book or Pension Papers (for retired veterans) / Dependent Card (for family members) |
| Income Proof | Latest salary slips (last 3 months) / Bank statements (last 6 months) / Pension statement (for retired personnel) / Form 16 / IT return copy |
| PAN Card | Mandatory for credit card issuance |
| Photograph | Recent passport-size photographs |
Step 1: Click on Apply Now: Hit the "Apply Now" button to start your application.
Step 2: Fill in Your Details: Enter your personal information, including name, date of birth, contact details, Navy service details, employment information, and financial details in the application form.
Step 3: Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Navy Service Credentials, Income Proof, and a recent photograph.
Step 4: Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery: Once your application is approved after verification of your eligibility and Navy credentials, your Bank of Baroda INDIAN NAVY VARUNAH Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Activate Your Card Immediately | Activate your card as soon as you receive it to unlock your 1,000 welcome bonus reward points. |
Use for Fuel Purchases | Maximise the 1% fuel surcharge waiver by using the card for fuel transactions between ₹400 and ₹5,000 at petrol pumps. |
Target Annual Spend Milestone | Aim to spend ₹1 lakh annually to earn the annual fee waiver, making the card essentially free. |
Accumulate Reward Points | Use the card for daily expenses, bill payments, and shopping to steadily accumulate reward points. |
Redeem Points Strategically | Save points for higher-value redemptions through the BOBCARD rewards catalogue instead of redeeming small amounts. |
Utilise Railway Lounges | Take advantage of complimentary railway lounge access when traveling by train, especially during station transfers. |
Explore Dining Offers | Check for exclusive dining discounts and merchant offers available through Bank of Baroda partnerships. |
Pay in Full Monthly | Always clear your entire statement balance by the due date to avoid the 40.2% annual interest rate and maintain credit health. |
Set Payment Reminders | Set up auto-debit or payment reminders to ensure you never miss the payment deadline and incur late fees. |
Monitor Transactions | Regularly check your account statements and transaction alerts to track spending and detect any unauthorised activity. |
Avoid Cash Withdrawals | Minimise cash withdrawals as they attract 2.5% fees plus immediate interest charges with no interest-free period. |
Use for Domestic Travel | The card is best suited for domestic spending; avoid international use due to the 3.5% forex markup unless necessary. |
Register Family Add-ons | Apply for complimentary add-on cards for eligible family members to help achieve spending milestones faster. |
Keep Service Documents Handy | Maintain copies of your Navy service credentials for any verification requirements during card lifecycle. |
The Bank of Baroda INDIAN NAVY VARUNAH Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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