Indian Navy Varunah BoB Credit Card 2025
Save over ₹25,000+ every year with LTF + Unlimited Lounges + 5X Rewards!
Sailor's pride! Indian Navy Varunah BoB Credit Card is 100% Lifetime Free for Navy personnel, 5X rewards on travel, dining, online & international spends, unlimited domestic lounges (post ₹40K/quarter from Jan 2025), 2% forex markup.
Premium benefits for our naval warriors!
Why Choose Varunah Card in 2025?
Unlimited lounges • 5X rewards • Low 2% forex • Fuel waiver • Amazon Prime (Premium variant)
Best for: Navy officers, frequent travellers, diners, international sailors
Card At a Glance
Nil (LTF)
Nil (LTF)
5X Travel/Dining | 1X Others
Unlimited Domestic (on ₹40K/Qtr)
2%
1% (max ₹250/cycle)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Rewards Redemption Fee | Nil |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (₹400-₹5K, max ₹250/cycle) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 5 Reward Points / ₹100 on travel, dining, online, international
- 1 RP / ₹100 on other spends
- 1 RP = ₹0.25 cashback/vouchers
- No expiry
Airport Lounge Access
Unlimited Domestic complimentary visits (subject to ₹40K spend/quarter from Jan 2025)
Primary + up to 3 add-ons
Via Dreamfolks
Insurance & Protection Benefits
- ₹20 Lakh accidental death (air/non-air)
- Lost card liability ₹1 Lakh
- Purchase protection up to ₹50K
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 100% Lifetime Free | Only for Navy personnel |
| Unlimited lounges (on spend) | Spend condition for lounges from 2025 |
| 5X on key categories | Variants have fees (Premium ₹2499) |
| Low 2% forex | |
| 3 free add-ons |
Eligibility Criteria & Documents Required
- Serving/Retired Indian Navy personnel
- Age: 21–70 years
- Credit Score: 750+
- Documents: PAN, Aadhaar, Navy ID/PPO
How to Apply Online (5-Minute Process)
- BoB Card website → Varunah Card
- Enter Navy details & mobile
- Upload PAN + Aadhaar + Navy proof
- Video KYC
- Card in 7-10 days
Final Verdict – Should You Get It in 2025?
Anchor's away! Top card for Navy families. LTF + unlimited lounges + 5X rewards = ₹25K+ value. Essential for sailors!
Frequently Asked Questions (FAQs)
Lifetime Free?
Yes, basic variant 100% LTF; Premium has ₹2499 fee.
Unlimited lounges?
Yes, domestic – but ₹40K spend/quarter from Jan 2025.
5X rewards on?
Travel, dining, online, international spends.
Forex rate?
2% markup – low for international use.