Fees
Annual feeNil / INR 1,499 / INR 2,499 (3 variants)
Joining feeNil / INR 1,499 / INR 2,499 (3 variants: Varunah / Varunah Plus / Varunah Premium)
Renewal feeNil / INR 1,499 / INR 2,499 (3 variants)
Fee waiverVarunah: Lifetime Free; Plus/Premium: spend-based waiver
Spend waiverVaries by variant (nil for Varunah; INR 1,49,000 for Varunah Plus)
Interest rate3.25% per month (39% per annum)
Late paymentINR 100-INR 1,300 (based on outstanding)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 10,000 - INR 20,000
Min income (self-emp.)NA - Navy personnel only
Credit score650 - 700 (CIBIL score)
Age range21 to 65
Employment typeSalaried
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - up to 15 pts per INR 100 (Premium); Amazon Prime & FitPass Pro on INR 1L spend in 90 days; 1,000 welcome pts (Premium)
Cashback cap1,000 pts/month on accelerated categories
Redemption optionsStatement Credit, Gift Vouchers, Merchandise
Points expiry2 years
Travel & lounge
Domestic loungeUnlimited airport lounge access (premium defence card)
International lounge0 visits (no lounge benefit)
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offers0% - 5%
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsNo
Fuel surchargeYes
OTT subscriptionsYes
E-commerce offersNo
Credit limit & EMI
Default limitINR 10,000 - INR 75,000 (based on variant & rank)
Max limitINR 1.5 - INR 5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate0% - 0.75% per month
Insurance & protection
Purchase protectionNo
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, View Statements & Due Dates, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes