Exclusive Armed Forces Metal Credit Card with Unlimited Airport Lounges & Zero Fee
Serving and retired Indian Navy officers and defense personnel seeking top-tier lifestyle luxury with zero annual fee.
Free
One-time upfrontFree
Lifetime Free — no renewal fee3 RP / ₹100 base; 15 RP / ₹100 on travel, dining, and online
On eligible spends1 Domestic visits/quarter · ₹40k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Indian Navy Varunah Premium BOBCARD Credit Card is a prestigious tribute to the maritime guardians of India. Developed through an institutional partnership between BOBCARD and the Indian Navy, it is reserved exclusively for naval officers and veterans. Issued as a completely Lifetime Free (LTF) card with zero joining and annual fees, it stands as one of the finest defense credit cards in the world. The card delivers true super-premium privileges: unlimited complimentary domestic airport lounge access across all major airports in India, along with complimentary international airport lounge visits. Naval officers also enjoy complimentary golf games, 24/7 global concierge service, and an industry-leading preferential foreign currency markup fee of just 2.00%. With comprehensive air accident personal insurance cover of up to ₹1 Crore and 5X reward points on dining and travel, the Varunah Premium card delivers honorable, uncompromising financial convenience to India's naval community.
Unlimited complimentary domestic airport lounge visits subject to quarterly spend criteria (₹40,000/quarter; ₹75,000 eff. 1 Oct 2026).
Earn 15 Reward Points per ₹100 spent on travel, dining, online, and international transactions.
Complimentary 1-year Amazon Prime membership and 1,000 bonus Reward Points on card activation.
1% waiver on fuel transactions between ₹400 and ₹5,000 across all petrol pumps in India (up to ₹250/cycle).
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel, Dining & International Spends | 15 Reward Points per ₹100 spent on travel, dining, and international transactions (3.75% value; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Spends | 3 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Travel, Dining & International Spends | ₹12,000 | 15 Reward Points per ₹100 spent on travel, dining, and international transactions (3.75% value; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 3 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Exclusively for serving and retired Commissioned Officers of the Indian Navy; verified via naval service credentials. • Joining & Annual Fee: ₹0 (Lifetime Free with no hidden maintenance fees or recurring charges). • Airport Lounge Privileges: Unlimited complimentary domestic airport lounge access across terminals in India, plus international lounge visits. • Forex Markup: Preferential foreign currency transaction markup of 2.00% + GST on overseas spending. • Golf Privileges: Complimentary golf games and lessons at premier golf courses across India. • Rewards Acceleration: 5X reward points on dining and travel bookings; 2 reward points per ₹100 on standard retail purchases. • Comprehensive Insurance: Complimentary personal air accident insurance cover up to ₹1 Crore for defense personnel. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (maximum waiver ₹250 per month).
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Indian Navy Varunah Premium BOBCARD Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official BOBCARD portal with paperless verification.
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