Indian Navy VARUNAH Premium BOBCARD

BOBCARD (Bank of Baroda) · Open to apply

The top Navy card: 3 points per ₹100 on most spends and 15 points per ₹100 on online, international, dining and travel-agency spends up to 2,500 points a statement, unlimited domestic lounge visits with ₹75,000 spent the quarter before, a 2% forex markup and a ₹1 crore air accident cover.

Annual fee
₹2,499 + GST a year
Joining fee
₹2,499 + GST
Fee waiver
Annual fee waived on ₹1,50,000 spend per card year
Base rate
3 points per ₹100 on other spends: 3 BOBCARD Reward Points per ₹100 (about 0.75% at cash value)
Lounges
Domestic: unlimited visits a calendar quarter after ₹75,000 spend
Forex markup
2%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Extra 30 points per ₹100 on hotels booked on BOBCARD SmartDeal: 30 BOBCARD Reward Points per ₹100 on top of the base rate (about 7.5% at cash value)
  • 15 points per ₹100 on online spends: 15 BOBCARD Reward Points per ₹100 (about 3.75% at cash value)
  • 15 points per ₹100 on international spends: 15 BOBCARD Reward Points per ₹100 (about 3.75% at cash value)
  • 15 points per ₹100 on dining (MCC 5812): 15 BOBCARD Reward Points per ₹100 (about 3.75% at cash value)
  • Extra 12 points per ₹100 on flights booked on BOBCARD SmartDeal: 12 BOBCARD Reward Points per ₹100 on top of the base rate (about 3% at cash value)

Earns nothing on

  • No points on fuel (MCCs 5172, 5541, 5542, 5983)
  • No points on rent (MCC 6513)
  • No points on government payments (MCCs 9211, 9222, 9311, 9399, 9402, 9405)
  • No points on education (MCCs 8211, 8220, 8241, 8244, 8249, 8299)
  • No points on wallet loads (MCCs 6539 to 6543)
  • No points on insurance (MCCs 5960, 6300)
  • No points at supermarkets, convenience and variety stores (MCCs 5261, 5331, 5411, 5499)
  • No points on toll and road fees (MCC 4784)
  • No points on railway bookings (MCC 4112)
  • No points on fast food (MCC 5814), taken to include Swiggy and Zomato

Where the sources disagree

  • Accelerated points cap: The 2 Nov 2026 features T&C and the Indian Navy page cap the accelerated points at 2,500 a statement cycle; the consolidated MITC (Oct 2026, version 2.0 Jul 2026) table gives 5,000 for Varunah Premium. The newer T&C and the page are used.

Terms the calculator does not value

  • 15 points per ₹100 also apply at travel agencies and tour operators (MCC 4722). No calculator category isolates that MCC, so travel bookings earn the core rate here unless booked online.
  • Food delivery apps (Swiggy, Zomato) are assumed to be fast food, MCC 5814, and so excluded from all points.
  • Other MCCs that earn nothing and have no calculator category: agriculture, contractors, the transportation MCCs 4111, 4131 and 4789, personal and civic services (7211, 7230, 7276, 7349, 8111, 8641), hospitals (8011, 8062; our health category also holds pharmacies and is not excluded) and charity (8398, 8661). Transactions under ₹100 earn nothing.

Sources

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