Skip to content
Compare Cards

Credit card

Indian Navy Varunah BOBCARD

Best for Indian Navy personnel

₹1,000/yr annual fee

Visa

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

Annual fee

₹1,000/yr

Reward rate

Not published

Min. income

₹2,00,000

Forex markup

Not published

Lounge access

None

Eligibility

₹2 lakh/yr · CIBIL 650+

Reward cap

₹2,000/month

Welcome benefit

None beyond the reward rate

Who is this for

  • Indian Navy personnel
  • Naval officer

What we like

  • 2% on everything
  • Fee waiver for serving Navy personnel

Watch out for

  • Limited civilian use

Fees and charges

Fee Amount Waiver
Joining fee ₹1,000 Waived for Indian Navy serving personnel
Annual fee ₹1,000 Waived for Indian Navy serving personnel
Late payment ₹500 Not waivable

Rewards

Spend category Rate Cap Redemption
All spends 2.00 ₹2,000/month 1.00
SHOPPING 3.00 ₹500/month 1.00

Benefits

  • Navy benefits Highlight

    2% cashback on all purchases

  • Shopping benefits

    3% cashback on shopping at partner stores

  • Fuel surcharge waiver

    1% waiver on fuel transactions Rs 500-3,000

Eligibility

Age
18–60 years
Min. income
₹2,00,000
Min. credit score
650+
Score note
Stable income
Employment
defence
Documents
PAN, Aadhaar, Navy ID / service proof

Indian Navy Varunah BOBCARD is a VISA credit card from Bank of Baroda. It is best suited for Indian Navy personnel.

Fees and rewards

  • Annual fee: Rs 1,000 (waived for serving Navy personnel)
  • Joining fee: Rs 1,000 (waived for serving Navy personnel)
  • Rewards: 2% cashback on all purchases; 3% on shopping

Eligibility

PAN, Aadhaar, Navy ID / service proof

Card data compiled from issuer published fee schedules. Status: active.

Apply for Indian Navy Varunah BOBCARD

Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

Check your eligibility → Compare this card →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the Indian Navy Varunah BOBCARD worth it?
Indian Navy Varunah BOBCARD is a credit card issued by its bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Indian Navy Varunah BOBCARD?
Indian Navy Varunah BOBCARD charges ₹1,000 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the Indian Navy Varunah BOBCARD reward rate work?
Indian Navy Varunah BOBCARD earns structured rewards that vary by spend category. Check the rewards tile on this page for the full multiplier schedule.

What are the eligibility requirements for the Indian Navy Varunah BOBCARD?
To qualify for Indian Navy Varunah BOBCARD, you typically need: minimum annual income ₹2,00,000; CIBIL score of 650+; defence only. The eligibility tile on this page has the full published criteria.

Does the Indian Navy Varunah BOBCARD offer airport lounge access?
Indian Navy Varunah BOBCARD does not publish complimentary airport lounge access as a benefit.

← All credit cards · All Visa cards

Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.

FinWiz24 may earn a commission from issuer referral links, at no extra cost to you. Our editorial content is independent and not influenced by compensation.