BOB
BOBCARD Eterna
VisaMastercardRuPayCredit CardPremiumAvailable⭐ Featured
Apply Now →Annual Fee
₹2,499
Best Reward
30×
Lounge Access
Yes
Min Income
₹12.0L
Highlights
- • High reward rates on selected travel and hotel spends.
- • Unlimited domestic lounge access after meeting spending criteria.
- • Attractive milestone reward worth ₹5,000 for high annual spending.
Things to note
- • Lounge access requires ₹40,000 previous-quarter spending.
- • Several everyday spending categories are excluded from rewards.
Who is this card for?
BOBCARD Eterna is designed for high-spending customers who frequently spend on travel, dining, online shopping and hotels, while also seeking premium lounge access, attractive reward rates and milestone benefits.
About this card
BOBCARD Eterna is a premium credit card offering accelerated rewards across selected travel, dining and shopping categories, along with domestic lounge access, fuel surcharge waiver, movie benefits and low forex markup. It also provides milestone rewards and multiple add-on cards.
Base Rate
3 flatReward Points
₹0.25 per pointCardholders earn 3 Reward Points for every ₹100 spent on eligible transactions, providing an effective reward rate of 0.75% based on the stated ₹0.25 value per point.
Exclusions: Agriculture, contractor, transportation, telecom, utility, emerging, education, charity, government, wallet, insurance, rent, supermarket, convenience store and fast-food transactions are excluded.
Bonus Categories
15 flat
Reward Points
₹0.25 per point
DiningInternationalShoppingTravel
Cap: ₹1,250/Monthly
Eligible spending on online shopping, travel, dining and forex earns 15 Reward Points for every ₹100 spent, equivalent to an effective reward rate of 3.75%. The maximum monthly reward cap is shared across all accelerated categories.
Exclusions: Transactions falling under specified reward-exclusion categories do not qualify for the applicable accelerated reward rate.
Merchant Rates
Hotel
30 flat
Reward Points
Cap: ₹1,250/Monthly
Eligible hotel bookings earn 30 Reward Points for every ₹100 spent, providing an effective reward rate of 7.5% based on the stated ₹0.25 value per point. The maximum monthly reward cap is shared across all accelerated categories.
Flight Booking BoB
12 flat
Reward Points
Cap: ₹1,250/Monthly
Eligible flight bookings made through BoB earn 12 Reward Points for every ₹100 spent, providing an effective reward rate of 3% based on the stated point value. The maximum monthly reward cap is shared across all accelerated categories.
Exclusions: Only eligible flight bookings through the specified BoB booking channel qualify for this reward rate.
Total estimated annual value₹24,000 / yr
✈️
Unlimited Domestic Lounge Access
₹18,000 / yrLounge
BOBCARD Eterna offers unlimited domestic airport lounge access, subject to meeting the required spending threshold of ₹75,000 during the previous quarter.
Cardholders need to spend ₹75,000 during the previous quarter to qualify for unlimited domestic lounge access during the applicable period.
Exclusions: Lounge access is subject to the previous-quarter spending requirement and may not be available when the specified threshold is not met.
🎬
Buy One Get One Movie Offer
₹3,000 / yrMovies
Cardholders can book movie tickets through District by Zomato and receive a Buy One Get One offer, with a discount of up to ₹250 on the second ticket.
The movie benefit can be used once per month through District by Zomato, subject to the applicable offer terms.
Exclusions: The benefit is limited to one use per month and is subject to the applicable District by Zomato offer conditions.
⛽
Fuel Surcharge Waiver
₹3,000 / yrFuel
The card provides a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000, with the waiver capped at ₹250 per statement cycle.
Eligible fuel purchases must fall between ₹400 and ₹5,000. The fuel surcharge waiver is calculated at 1% and is subject to the stated maximum limit.
Exclusions: Transactions outside the specified ₹400–₹5,000 range or amounts exceeding the applicable waiver limit may not receive the full benefit.
💱
Forex Rewards
Forex Waiver
The card charges a 2% forex markup while offering a stated 3.75% reward rate on eligible forex transactions, resulting in an effective benefit of approximately 1.75% after considering the forex charge.
The effective 1.75% benefit is based on the stated 3.75% reward rate and 2% forex charge applicable to eligible forex transactions.
Exclusions: Actual benefit depends on transaction eligibility and the applicable reward and forex charges for the transaction.
Joining
₹0
Annual
The annual fee of ₹2,499 plus GST will be waived if the cardholder spends ₹2,50,000 on the card within one year.
₹2,499
Add On Card
Cardholders can obtain up to three add-on cards free of cost, allowing eligible family members to use supplementary cards under the primary card account.
₹0
Forex Markup
The card charges a 2% forex markup while offering a stated 3.75% reward rate on eligible forex transactions, resulting in an effective benefit of approximately 1.75% after considering the forex charge.
2%
Salaried
GuidelineAnnual income of ₹12 lakh
₹12,00,000/yr · 21–65 yrs
Self-Employed
GuidelineAnnual income of ₹12 lakh
₹12,00,000/yr · 24–65 yrs
Other
GuidelineYou shouldn't have any other BoB card.
You shouldn't have any other BoB card.
🎁Welcome Bonus
Welcome Offer
Check terms for expiry
Spend ₹50,000 on the card within 60 days of issuance to receive 10,000 Reward Points, equivalent to ₹2,500 based on the stated redemption value of ₹0.25 per point.
Welcome rewards are subject to the specified ₹50,000 spending requirement within 60 days of card issuance.
✨Other
Annual Bonus
Check terms for expiry
Spend ₹5,00,000 or more on the card within a year to receive 20,000 Reward Points, worth ₹5,000 at ₹0.25 per point, providing an effective additional reward rate of 1%.
The milestone benefit requires the stated annual spending threshold to be achieved within the applicable year.
🎟️Voucher
FitPass Pro Membership
Check terms for expiry
Enjoy a complimentary 12-month FitPass Pro Membership worth ₹48,000, activate it by spending ₹10,000 within 30 days of card issuance, and get access to 2,500+ premium gyms across 150+ cities in India.
This benefit is offered as a one-time welcome offer.
Good to know
- • Reward rates vary significantly by spending category, while several merchant categories are excluded. Lounge access and fee waivers are also subject to specific spending conditions.
Ready to apply for BOBCARD Eterna?
You will be redirected to the official Bank of Baroda application page.
Apply for BOBCARD Eterna →Affiliate disclosure: Card Navigator may earn a commission on approved applications.
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