BOBCARD Indian Navy Varunah
BOBCARD
Annual / renewal fee
₹0 (NIL) - No Annual Fees.
VerifiedBOBCARD MITC (Most Important Terms & Conditions) – covers all card variants including Varunah3 Aug 2026, 7:05 AM ISTBOBCARD
Earn rate
- 5X Rewards i.e. 5 Reward Points per ₹100 on Departmental Store Spends.
- Core Reward Points: 1 Reward Point per ₹100 spent on any other category.
VerifiedIndian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDF3 Aug 2026, 7:05 AM ISTBOBCARD
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You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at bobcard.co.in — if a different card is shown first, use its card selector to pick this one.
Overview
Indian Navy Varunah by BOBCARD. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹0 (NIL) - Lifetime Free, No Joining Fee.
VerifiedIndian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDF3 Aug 2026, 7:05 AM ISTBOBCARD
Annual / renewal fee
₹0 (NIL) - No Annual Fees.
VerifiedBOBCARD MITC (Most Important Terms & Conditions) – covers all card variants including Varunah3 Aug 2026, 7:05 AM ISTBOBCARD
Fee waiver
- No joining/annual fee applicable (base Varunah is NIL/Lifetime Free).
- No fee waiver criteria required.
VerifiedBOBCARD MITC (Most Important Terms & Conditions) – covers all card variants including Varunah3 Aug 2026, 7:05 AM ISTBOBCARD
Rewards
- 5X Rewards i.e. 5 Reward Points per ₹100 on Departmental Store Spends.
- Core Reward Points: 1 Reward Point per ₹100 spent on any other category.
VerifiedIndian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDF3 Aug 2026, 7:05 AM IST
Redemption value
Reward points can be redeemed as cashback @ 1 reward point = ₹0.25.
VerifiedIndian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDF3 Aug 2026, 7:05 AM ISTBOBCARD
Reward cap
- 5X Rewards capped at 750 Reward Points on Departmental Store category per statement cycle.
- Further spends earn regular rate of 1 RP per ₹100.
- UPI transactions: maximum 500 Reward Points per statement cycle (core RP only, no bonus rewards).
VerifiedIndian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDF3 Aug 2026, 7:05 AM ISTBOBCARD
Reward exclusion
- Reward program is not applicable on select MCCs and Fuel.
- Fuel transactions will not earn reward points.
- UPI transactions are eligible only for core Reward Points and do not qualify for bonus rewards.
VerifiedIndian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDF3 Aug 2026, 7:05 AM ISTBOBCARD
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Travel benefit
- Contactless Safe Payments: Card enabled with wireless chip technology for secure & faster payments in contactless mode.
- No PIN required for a single transaction of less than ₹5000, PIN required for transactions more than ₹5000.
Verifiedharvested from product page3 Aug 2026, 7:05 AM ISTBOBCARD
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Free Personal Accidental Death Cover (Air & Non-Air, includes Sea): ₹20 Lakhs.
- Available to primary cardholder only.
- Covers accidental death only (natural death not covered).
VerifiedIndian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDF3 Aug 2026, 7:05 AM ISTBOBCARD
Milestone benefit
Smart EMI Options: Convert purchase of more than ₹2,500 on your card into Smart EMIs of 6 to 36 months.
VerifiedIndian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDF3 Aug 2026, 7:05 AM ISTBOBCARD
Eligibility
Eligibility
- Designated Sailors & Officers of the Indian Navy & Indian Navy Veterans.
- Age: 18 to 70 years (Primary Cardholder).
- Free add-on cards for spouse, parents, siblings or kids above age 18 (up to 3 lifetime free).
VerifiedIndian Navy Varunah product page3 Aug 2026, 7:05 AM ISTBOBCARD
Charges & interest
Forex markup
Foreign Currency Transaction Fee: 3.5% of transaction amount (All other credit cards; base Varunah is not listed under reduced rates).
VerifiedBOBCARD MITC (Most Important Terms & Conditions) – covers all card variants including Varunah3 Aug 2026, 7:05 AM ISTBOBCARD
Charge
- Cash Withdrawal Charges: 2.50% of withdrawn amount or ₹500 whichever is higher.
- Finance Charges: 3.75% per month i.e. 45% per annum (all other credit cards).
- Foreign Currency Transaction Fee: 3.5% of transaction amount.
- Minimum Amount Due: 5% of outstanding balance or ₹200 whichever is higher.
- Duplicate Bill: ₹25 per bill.
- Cheque Return charges: 2% of payment amount subject to min ₹500.
- Auto Debit/SI Bounce Fee: 2% of payment amount subject to min ₹500.
- Cash Payment Processing Fee: ₹250 per cash payment.
- Cheque Payment Processing Fee: ₹100 per cheque payment.
- GST: 18% on all fees, interest & other charges.
- Exceeding Credit Limit Charges: 2.5% of amount over sanctioned limit or ₹600 whichever is higher.
- Card Replacement Charges: ₹100 per card.
- Charge Slip Retrieval charges: ₹250 per charge slip.
- Limit Enhancement: No Fee.
- Late Payment Charges (slabs): <₹100 NIL.
- ₹100-500 ₹100.
- ₹501-1,000 ₹400.
- ₹1,001-10,000 ₹750.
- ₹10,001-25,000 ₹950.
- ₹25,001-50,000 ₹1100.
- >₹50,000 ₹1300.
- Processing Fee on Rent Payments (MCC 6513): 1% of transaction amount.
- Processing Fee on Wallet Loading (MCC 6539/6540/6541/6542): 1%.
- Processing Fee on Utility (MCC 4900): 1% (max ₹3000 per txn) where txn amount is ₹50,000 or higher.
- Processing Fee on Fuel (MCC 5172/5541/5542/5983): 1% per txn where txn amount is ₹10,000 or higher (not applicable to HPCL Energie).
VerifiedBOBCARD MITC (Most Important Terms & Conditions) – covers all card variants including Varunah3 Aug 2026, 7:05 AM ISTBOBCARD
Fuel surcharge waiver
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹100 per statement cycle).
- Fuel spends eligible for surcharge waiver are not eligible for reward points.
VerifiedIndian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDF3 Aug 2026, 7:05 AM ISTBOBCARD
Interest-free period
20 to 50 Days in case there is no previous outstanding.
VerifiedBOBCARD MITC (Most Important Terms & Conditions) – covers all card variants including Varunah3 Aug 2026, 7:05 AM ISTBOBCARD
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Indian Navy Varunah?
Officially traced: Rs. 0 (NIL) - No Annual Fees.
BOBCARD MITC (Most Important Terms & Conditions) – covers all card variants including VarunahWhat is the joining fee on the Indian Navy Varunah?
Officially traced: Rs. 0 (NIL) - Lifetime Free, No Joining Fee.
Indian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDFIs the Indian Navy Varunah annual fee ever waived?
No joining/annual fee applicable (base Varunah is NIL/Lifetime Free).
BOBCARD MITC (Most Important Terms & Conditions) – covers all card variants including VarunahHow does the Indian Navy Varunah earn rewards?
5X Rewards i.e. 5 Reward Points per Rs. 100 on Departmental Store Spends.
Indian Navy VARUNAH Plus & VARUNAH – Card Benefits/Features PDFWhat are the transfer ratios for Indian Navy Varunah points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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