Indian Navy VARUNAH Plus BOBCARD
The VARUNAH Plus variant for Indian Navy personnel and veterans: 10 reward points per ₹100 on online shopping, travel, dining and international spends (up to 2,000 points a statement cycle), 2 per ₹100 elsewhere, points worth ₹0.25 as cashback, a 2.5% forex markup and 3 domestic lounge visits a quarter on ₹20,000 of quarterly spend; ₹1,499 a year, waived on ₹1.5 lakh of annual spend. Every figure below is copied from BOBCARD’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Only for designated sailors and officers of the Indian Navy and Indian Navy veterans.
Fees and charges
| Joining fee | ₹1,499 plus GST Terms |
|---|---|
| Annual fee | ₹1,499 plus GST Terms |
| Annual fee waiver | On ₹1,50,000 of spend in the year Terms |
| GST on fees | 18% |
| Foreign-currency markup | 2.5% of the transaction, plus GST MITC |
| The ₹1,499 joining fee is reversed on ₹15,000 of spend in the first 180 days; the ₹1,499 annual fee is reversed on ₹1.5 lakh of spend in each card anniversary year. | |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Online shopping, travel, dining and international spends (10 points per ₹100, up to 2,000 points a cycle) | 10 points per ₹100 Terms | up to 2,000 points a statement cycle Terms |
| Other eligible spends (2 points per ₹100) | 2 points per ₹100 Terms | no cap on record |
Accelerated points follow the online and international transaction flags and MCCs 5812 (restaurants) and 4722 (travel agencies); utility bills (MCC 4900) and UPI payments get only the core 2 points. Online grocery and food delivery are left unrated because supermarket (5411) and fast-food (5814) merchant codes earn nothing. Points earn only on transactions of ₹100 or more, are valid for two years, and redeem as cashback from 1,000 points.
No rewards on
Benefits
- Lounges: 3 domestic airport lounge visits a quarter — ₹20,000 of spend in the preceding calendar quarter (waived in the quarter a new card is issued) Terms
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Terms
- Welcome: 500 reward points on ₹5,000 of spend in the first 60 days Terms
Also on this card
Quoted from BOBCARD; not counted in the net value.
- Personal accidental death cover of ₹50 lakh (air) and ₹10 lakh (non-air, including sea) Terms
- Extra 8 points per ₹100 on flights and 20 per ₹100 on hotels booked through BOBCARD SmartDeal Terms
- 12-month Amazon Prime membership, activated by spend within 90 days of issue Terms
- 12-month FITPASS PRO membership as a welcome gift (cards issued from 1 August 2026) Terms
- 2.5% foreign currency markup Terms
Eligibility
- Age 18 or above Product page
- Age 70 or below Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by BOBCARD in the documents read
- the card network
- a RuPay variant for UPI
- an income criterion
- how an applicant is assigned the Premium, Plus or base VARUNAH variant
- the spend needed for the Amazon Prime membership on this variant
The quotes behind the figures
48 figures, each copied from an official BOBCARD document.
Show every quote and source
“Sail through waves of complimentary delights, privileges & rewards with VARUNAH Plus at just 1499 as Joining & Annual Fees. APPLY NOW”
“Goods & Services Tax 18%”
“Spend 1,50,000 in every card anniversary year and get your annual fee reversed***.”
“Varunah Plus: 2.5% of transaction amount”
“All your accumulated reward points can be redeemed for cashback @ 1 reward point = 0.25”
“Earn 5X Rewards* i.e. 10 Reward Points per 100 on Travel, Online, Dining & International Spends.”
“*Please note that 5X Rewards are capped at 2,000 Reward Points on the mentioned categories per statement cycle.”
“Varunah Plus International transaction flag provided by Merchant Acquirer Dining - 5812 Travel - 4722 Online transaction flag provided by Merchant Acquirer 2000 Reward points”
“Further spends in that statement cycle on such spend categories/MCCs will earn Reward Points at the regular earn rate.”
“Utility Transactions (MCC code 4900) are not eligible for Accelerated Reward Points.”
“Core Reward Points: 2 Reward Points per 100 spent on any other category.”
“Varunah Plus 2 RP per ₹100”
“Premier & Premier (FD Backed), Prime, IRCTC, Rakshamah, Sentinel, Varunah Plus, Yoddha and UJJIVAN-SFB Elite. 2 RP per 100”
“Fuel transactions don't accrue/ earn any reward points on any BOBCARD except HPCL Energie BOBCARD”
“Spends on special categories (MCC's) listed in annexure 1 won't qualify for accelerated or core reward points feature.”
“Table 2: Select list of MCC (Merchant Category Code) where Cardholder will not earn any Reward points/ Loyalty benefits.”
“Transportation (Passenger Transportation, Passenger Railways, Bus services, Toll and road and Bridge Fees and Transportation Services - Not Elsewhere Classified) Rent Cleaning and Maintenance, laundry, Personal services (Beauty parlour, barber, Legal and CIVIC services etc) Government Education Hospital Wallet”
“Supermarket and convenience store, Variety Stores, Retail Store Insurance Charity Fast food restaurants”
“Sail through waves of complimentary delights, privileges & rewards with VARUNAH Premium Apply Now”
“Card Variant: Indian Navy VARUNAH Plus BOBCARD”
“The Indian Navy VARUNAH BOBCARD offers three card variants: VARUNAH Premium, VARUNAH Plus, and VARUNAH.”
“Varunah Plus ₹ 1,499 ₹ 15,000 in first 180 days”
“Varunah Plus ₹ 1,499 ₹ 1,50,000 in anniversary year”
“Fee Waiver: Spend 15,000 in the first 180 days and get your joining fee reversed***.”
“UPI transactions are eligible only for core Reward Points.”
“UPI transactions do not qualify for bonus rewards.”
“All other credit cards: 1% of fuel transaction amount surcharge waived for fuel transactions between ₹400 to ₹5000 (subject to maximum of ₹250 per statement)”
“In the case of a newly issued card, the minimum spend criteria is waived for the Calendar quarter of card issuance for Lounge Utilisation.”
“Credit Card on UPI transactions are not eligible for Accelerated Reward Points /benefit.”
“Rewards Redemption Fees No Fee”
“Minimum reward points required for redemption against Card statement is 1000 Reward Points.”
“Reward Points will be accrued/earned for transaction where transaction amount is Rs.100 or higher i.e., transactions below Rs. 100 will not earn any Reward Points.”
“Reward Points are valid only for 2 years from the date of accumulation”
“Complimentary lounge access will subject to minimum spends of Rs 20,000 in the preceding calendar quarter.”
“Varunah Plus 3 per quarter Rs. 20,000 in preceding calendar quarter”
“All other cards (except Uni, Scapia, Etihad, Ujjivan Small finance bank): 500 Reward points on spending Rs. 5000 in first 60 days of card issuance.”
“Get 12 Months Amazon Prime Membership on Spend Activation with your INDIAN NAVY VARUNAH BOBCARD (within 90 days of issuance)”
“This benefit is applicable only for cards issued on or after 1st August 2026.”
“Enhance your travel experiences with Complimentary Access at Domestic Airport lounges^ (3/qtr)”
“Fuel Surcharge Waiver: 1% fuel surcharge waiver** at all fuel stations across India on transactions between 400 and 5,000 (Max. 250 per statement cycle).”
“Activation Bonus: Earn 500 Reward Points* on spends of 5000 or more within 60 days of card issuance”
“In-built Insurance Cover: Get free Personal Accidental Death Cover to ensure financial protection of your family (Air: 50 Lakhs & Non-Air (includes Sea: 10 Lakhs).”
“Varunah Plus 8 points for every Rs.100 20 points for every Rs.100”
“With VARUNAH Plus you get a bouquet of pleasant surprises in form of complimentary memberships s.a * 12 Months Amazon Prime Membership.”
“^^ Welcome Gift: Complimentary 12 Months FIPTASS PRO Membership”
“Save more with Reduced Forex mark-up of 2.5% on International Spends.”
“Age: 18 to 70 years (Primary Cardholder).”
“Designated Sailors & Officers of the Indian Navy & Indian Navy Veterans”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with BOBCARD or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is BOBCARD’s own file from its website, unaltered, fetched 2026-10-16. Methodology