Bank of Baroda Varunah Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

An Amazon prime membership and Zomato Pro membership are given for free every year. A six-month membership to Fitpass Pro is given for free. A welcome benefit of 1,000 bonus Reward Points is provided with the Varunah Premium Card. A reward rate of up to 15 Reward Points is given for every Rs. 100 spent. Free access to domestic lounges is provided annually. The forex markup fee is low. Joining and annual fees are waived based on spending. Insurance coverage worth up to Rs. 1 Crore is included. A waiver of 1% fuel surcharge is applied to all fuel transactions.

Bank of Baroda's Varunah Credit Card offers a range of features and benefits that make it a great option for those who love shopping.

With a joining fee of Nil for the Varunah Card, Rs. 1,499 for the Varunah Plus Card, and Rs. 2,499 for the Varunah Premium Card, customers have the flexibility to choose the card that best suits their needs.

One of the standout features of the Varunah Credit Card is the reward type, which is Reward Points.

This means that customers can earn points for every purchase they make using the card, which can later be redeemed for a variety of rewards.

The welcome benefit of the Varunah Plus and Varunah Premium Credit Card is truly impressive.

Cardholders receive complimentary Amazon Prime and Zomato Pro membership for one year, as well as Fitpass Pro membership for 6 months.

These benefits provide access to a wide range of discounts and offers across various categories, making the card even more valuable.

When it comes to movie dining, the Varunah Credit Card offers exciting dining benefits with the Zomato Pro membership.

This allows cardholders to enjoy discounts and offers at their favorite restaurants, enhancing their overall dining experience.

For those who love shopping, the Varunah Premium Card offers up to 15x Reward Points, the Varunah Plus Card offers up to 10x Reward Points, and the Varunah Card offers up to 5x Rewards.

These rewards can be earned on shopping expenses, allowing cardholders to maximize their savings.

In terms of travel benefits, the Varunah Premium and Plus variants offer complimentary domestic lounge access every year.

The Premium variant also provides unlimited complimentary domestic lounge access, while the Plus variant offers 3 complimentary domestic lounge accesses every quarter.

These benefits are great for frequent travelers, as they can enjoy a comfortable and relaxing experience at the airport.

Unfortunately, the Varunah Credit Card does not offer any golf benefits or international lounge access.

However, the card compensates with insurance benefits such as an Air Accident cover worth Rs. 1 Crore for the Premium variant.

The annual fee for the Varunah Credit Card is waived on spending Rs. 1.5 lakhs or more in the previous year, making it easier for customers to enjoy the benefits of the card without any additional cost.

Unlike some credit cards, the Varunah Credit Card does not have a rewards redemption fee, allowing cardholders to redeem their accumulated points without any extra charges.

When using the card for foreign currency transactions, customers should keep in mind that the Premium variant has a foreign currency markup of 2%, the Plus variant has a markup of 2.5%, and the basic Varunah Card has a markup of 3.5%.

The interest rate on the Varunah Credit Card is 3.25% per month, which is competitive compared to other credit cards in the market.

One of the highlights of the Varunah Credit Card is the fuel surcharge waiver.

Cardholders can enjoy a 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000, providing additional savings at the gas station.

For cash advances, customers should note that there is a charge of 2.5% of the withdrawn amount, subject to a minimum of Rs. 300.

Overall, Bank of Baroda's Varunah Credit Card offers a range of benefits that make it a great choice for those who love shopping.

With its reward points, welcome benefits, dining perks, and travel benefits, this card provides excellent value for customers looking to maximize their savings and enjoy a range of exclusive offers.