*Please note that 5X Rewards are capped at 2,500 Reward Points on the mentioned categories per statement cycle. Further spends in that statement cycle on these categories will earn Reward Points at the regular earn rate i.e 3 R.P for per ₹100. Reward program is not applicable on select MCCs and Fuel.

Visit bobcard.co.in/most-important-terms-and-condition to know Reward Points Important Terms and Conditions. Reward points can be redeemed as cashback @₹0.25 per reward point.

**The GST component is not reversed. The rate of fuel surcharge may vary depending on the fuel station and their acquiring bank. The surcharge is levied by the acquiring bank providing the terminal to the merchant. The value of fuel transaction on charge slip will differ from the credit card statement since the fuel surcharge and GST on the same are levied by the acquiring bank after the transaction. Fuel Transaction will not earn reward point.

UPI transactions are eligible only for core Reward Points. UPI transactions do not qualify for bonus rewards.

***First year fee reversal will reflect in the 4th bill statement from the card issuance month, provided no dues. First year fee reversal and annual fee reversal is applicable only to non-delinquent credit cardholders.

^Effective 1st Jan, 2025, Complimentary lounge access will subject to minimum spends of Rs 40,000 in the preceding calendar quarter. Visit bobcard.co.in/most-important-terms-and-condition to know Important Terms and Condition.

The Indian Navy VARUNAH BOBCARD offers three card variants: VARUNAH Premium, VARUNAH Plus, and VARUNAH. Please note that the benefits listed on this page apply exclusively to the VARUNAH Premium variant. For complete details on VARUNAH Plus and VARUNAH benefits, Click Here.

Indian Navy VARUNAH

Reward Points

Unlimited Airport Lounge Access

Exclusive Memberships

Who is it for

What you get