rewards
Indian Navy VARUNAH BOBCARD Credit Card
Tiered Navy co-brand from lifetime-free to premium, with unlimited lounge access on the top tier.
Annual Fee
Nil (Varunah) / ₹1,499 (Plus, waived on ₹15K/180 days + ₹1.5L/year) / ₹2,499 (Premium, waived on ₹25K/180 days + ₹1.5L/year)
Rewards
5 RP/₹100 grocery/departmental (Varunah) / 10 RP/₹100 travel/online/dining/international, capped 750 pts/cycle (Plus) / 15 RP/₹100 same categories (Premium); 1-3 RP/₹100 on other categories depending on tier
Lounge Access
Domestic access on all tiers (Varunah: unlimited per aggregator; Plus: 3/quarter; Premium: unlimited) — ₹40,000 prior-quarter spend threshold applies bank-wide
Fuel Waiver
1% (₹400-5,000, ₹250/cycle cap)
Milestone
None specified beyond welcome
Best For
Indian Navy personnel wanting a tier matching their spend level
Welcome Offer
2,000 RP (Varunah) / 1,000 RP + 3-month FITPASS Pro (Plus) / 500 RP + 12-month FITPASS Pro worth ₹48,000 (Premium) — all tiers add 12-month Amazon Prime on ₹1L spend/90 days
Type
Defence/Tiered (RuPay)
Description
Exclusively for Indian Navy personnel, issued in three variants. The base Varunah card is lifetime-free, earning 5X points on grocery and departmental stores. Varunah Plus (₹1,499) and Varunah Premium (₹2,499) earn 10X and 15X respectively on travel, online, dining, and international spends, with Premium offering unlimited domestic lounge access and a 12-month FITPASS Pro membership worth ₹48,000 — notably richer than the Plus variant's 3-month FITPASS. All variants include 12-month Amazon Prime on ₹1L spend within 90 days and air accident cover up to ₹1 crore on Premium.
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