Bank of Baroda Varunah Credit Card

Expert ScoreRead review

Complimentary annual membership of Amazon prime and Zomato Pro.
Complimentary 6 months Fitpass Pro membership.
1,000 bonus Reward Points as a welcome benefit (with the Varunah Premium Card).
Reward rate of up to 15 Reward Points on every spend of Rs. 100.
Complimentary domestic lounge access every year.
Low forex markup fee.
Spend-based waiver of the joining and annual fee.
Insurance covers worth up to Rs. 1 Crore.
1% fuel surcharge waiver on all fuel transactions.

Bank of baroda

Category: Credit Cards

Reward Type

Reward Points

Renewal Fee

Nil (for Varunah Card), Rs. 1,499 (for Varunah Plus Card) Rs. 2,499 (for Varunah Premium Card)

Joining Fee

Nil (for Varunah Card), Rs. 1,499 (for Varunah Plus Card) Rs. 2,499 (for Varunah Premium Card)

Type of Card

Reward

Welcome Benefits

Complimentary Amazon Prime & Zomato Pro membership for one year and Fitpass Pro membership for 6 months (with Varunah Plus and Varunah Premium Credit Card), and 1,000 bonus

USP of Card

Complimentary annual membership of Amazon prime and Zomato Pro.
Complimentary 6 months Fitpass Pro membership.
1,000 bonus Reward Points as a welcome benefit (with the Varunah Premium Card).
Reward rate of up to 15 Reward Points on every spend of Rs. 100.
Complimentary domestic lounge access every year.
Low forex markup fee.
Spend-based waiver of the joining and annual fee.
Insurance covers worth up to Rs. 1 Crore.
1% fuel surcharge waiver on all fuel transactions.

Fees & Charges

Spend Based Waiver

The annual fee is waived on spending Rs. 1.5 lakhs or more in the previous year

Interest Rates

3.25% per month

Cash Advance Charges

2% with Premium variant, 2.5% with plus variant and 3.5% with the basic Varunah Card

Rewards Redemption Fee

Fuel Surcharge

1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 5000

Foreign Currency Markup

2.5% of withdrawal amount, subject to a minimum of ₹300

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

Exciting dining benefits with the Zomato Pro membership

Reward Redemption

The earned Reward points can be redeemed against a variety of options at a redemption rate of 1 Reward Point = Re. 0.25.

Zero Liability Protection

Rewards Rate

Up to 15x Reward Points with the Varunah Premium Card, Up to 10x Reward Points with the Varunah Plus Card, and up to 5x Rewards with the Varunah Card.

Travel

Complimenatry domestic lounge access every year with the Premium and Plus variant

Online Shopping offers

Get 5x Reward Points on dining, travel, online purchases, and international spends.

Insurance Benefits

Air Accident cover worth Rs. 1 Crore with the premium variant.

Domestic Lounge Access

Unlimited complimentary domestic lounge access (with the Premium variant), 3 complimentary domestic lounge access every quarter (with the plus variant)

International Lounge Access

9Expert Score

Complimentary annual membership of Amazon prime and Zomato Pro.
Complimentary 6 months Fitpass Pro membership.
1,000 bonus Reward Points as a welcome benefit (with the Varunah Premium Card).
Reward rate of up to 15 Reward Points on every spend of Rs. 100.
Complimentary domestic lounge access every year.
Low forex markup fee.
Spend-based waiver of the joining and annual fee.
Insurance covers worth up to Rs. 1 Crore.
1% fuel surcharge waiver on all fuel transactions.

Best values score

9Expert Score

Complimentary annual membership of Amazon prime and Zomato Pro.
Complimentary 6 months Fitpass Pro membership.
1,000 bonus Reward Points as a welcome benefit (with the Varunah Premium Card).
Reward rate of up to 15 Reward Points on every spend of Rs. 100.
Complimentary domestic lounge access every year.
Low forex markup fee.
Spend-based waiver of the joining and annual fee.
Insurance covers worth up to Rs. 1 Crore.
1% fuel surcharge waiver on all fuel transactions.

Best values score

Specification: Bank of Baroda Varunah Credit Card

Bank Name	BOB
Type of Credit Card	Reward
Joining Fees	Nil (for Varunah Card), Rs. 1,499 (for Varunah Plus Card) Rs. 2,499 (for Varunah Premium Card)
Renewal fees	Nil (for Varunah Card), Rs. 1,499 (for Varunah Plus Card) Rs. 2,499 (for Varunah Premium Card)
Best Suited for	Shopping
Reward Type	Reward Points
Welcome Benifits	Complimentary Amazon Prime & Zomato Pro membership for one year and Fitpass Pro membership for 6 months (with Varunah Plus and Varunah Premium Credit Card), and 1,000 bonus
Movie & Dining Offers	Exciting dining benefits with the Zomato Pro membership
Travel Offers	Complimenatry domestic lounge access every year with the Premium and Plus variant
online shopping offers	Get 5x Reward Points on dining, travel, online purchases, and international spends.
Reward redemption	The earned Reward points can be redeemed against a variety of options at a redemption rate of 1 Reward Point = Re. 0.25.
Reward Rate	Up to 15x Reward Points with the Varunah Premium Card, Up to 10x Reward Points with the Varunah Plus Card, and up to 5x Rewards with the Varunah Card.
Domestic Lounge Access	Unlimited complimentary domestic lounge access (with the Premium variant), 3 complimentary domestic lounge access every quarter (with the plus variant)
International lounge access	NA
Insurance Benifits	Air Accident cover worth Rs. 1 Crore with the premium variant.
Zero liability protection	NA
Spend based waiver	The annual fee is waived on spending Rs. 1.5 lakhs or more in the previous year
Reward redemption charges	NA
Foreign currency markup Charges	2% with Premium variant, 2.5% with plus variant and 3.5% with the basic Varunah Card
Interest Charges	3.25% per month
Fuel Surcharges	1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 5000
Cash advance charges	2.5% of withdrawal amount, subject to a minimum of ₹300
Interest Free credit periods	50 Days
Add on card fee	Nil
ELIGIBILITY CRITERIA	for salaried individuals should be between 21 years to 60 years, with an income of at least Rs. 20,000 per month.
Late Payment Fee	for self employed individuals should be between 21 years and 65 years of age, with a minimum annual income of Rs. 6 lakhs.
Partner Discounts	You get 50% extra Reward Points on your grocery and dining spends.
Reward offer savings	Up to 15x Reward Points with the Varunah Premium Card, Up to 10x Reward Points with the Varunah Plus Card, and up to 5x Rewards with the Varunah Card.
USP of Card	NA
BestValue Score	9

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Bank of Baroda Varunah Credit Card

Bank of Baroda Varunah Credit Card

Reward Type

Renewal Fee

Joining Fee

Type of Card

Welcome Benefits

USP of Card

Fees & Charges

Spend Based Waiver

Interest Rates

Cash Advance Charges

Rewards Redemption Fee

Fuel Surcharge

Foreign Currency Markup

Late Payment Fee

Add-on Card Fee

Rewards & Benifit

Movie & Dining offers

Reward Redemption

Zero Liability Protection

Rewards Rate

Travel

Online Shopping offers

Insurance Benefits

Domestic Lounge Access

International Lounge Access

Specification: Bank of Baroda Varunah Credit Card

User Reviews

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