About BOB Eterna Credit Card
The BOB Eterna Credit Card is a premium lifestyle rewards card that stands out for its accelerated rewards in key categories, unlimited domestic lounge access (subject to conditions), and significant milestone benefits. It's especially appealing to frequent online shoppers, travelers, and diners, especially given current promotional offers that make it lifetime free (LTF) in many cases.
Here's a detailed breakdown (as of early 2026, including current promotions).
Fees and Charges
- Joining Fee: ₹2,499 + GST (Currently Lifetime Free offer valid till March 31, 2026).
- Annual Fee: ₹2,499 + GST (waived on spending ₹2,50,000 in the card anniversary year; frequently LTF under offers).
- Annual Fee Waiver Spends: ₹2,50,000 per year.
- Add-on Cards: 3 Free Add-on Cards if applied during the offer period.
- Forex Markup Fee: 2% + GST.
Welcome and Milestone Benefits
- Welcome Benefits: 10,000 bonus reward points (worth ≈₹2,500) on spending ₹50,000 within first 60 days; also 6 months FITPASS Pro membership worth ₹15,000.
- Milestone Benefits: 20,000 bonus reward points on ₹5,00,000 annual spend; additional bonuses like 10,000 points on ₹50,000 in 60 days.
Cashback and Rewards
- Card Type: Rewards / Lifestyle.
- Card Network: Mastercard.
- Best For: Online spends, dining, travel, international transactions.
- Cashback/Rewards on Online Purchases: 15 Reward Points per ₹100 (5X; ≈3.75% value, assuming 4 RP = ₹1).
- Cashback/Rewards on Offline Purchases: 3 Reward Points per ₹100 on other eligible spends (base rate ≈0.75%).
- Maximum Cashback per Statement Cycle: NA
- Rewards Redemption Options: Redeem as statement credit, vouchers, products, or other options via BOBCARD portal (4 RP ≈ ₹1 value typically).
Note: 5X (15 RP/₹100) on travel, dining, online, and international spends.
Lounge Access
- Domestic Lounge Access: Unlimited (access to 60+ lounges; for primary and add-on; subject to ₹40,000 spend in the previous calendar quarter).
- International Lounge Access: NA
Category Spend Benefits
- Online Shopping: 15 RP per ₹100 (accelerated).
- Food and Grocery: Base or accelerated if dining (15 RP on dining).
- Travel Booking: 15 RP per ₹100.
- Utility Bill Payments: Base (3 RP per ₹100).
- Fuel: 1% surcharge waiver (₹400–₹5,000 transactions, max cap applies).
Excluded Categories
- All Excluded Categories: Typically, government, rent, wallet loads, fuel (beyond surcharge waiver), utilities, insurance, education, and other non-eligible MCCs for accelerated rewards.
Why Choose BOB Eterna Credit Card?
The BOB Eterna is a premium card that offers strong value in online, dining, and travel spends (up to 3.75%+ effective returns with milestones), unlimited domestic lounges (rare at this fee level, especially for LTF), low forex markup, and extras like FITPASS and BOGO movie offers (via apps like District/Paytm, up to ₹250 off monthly). This option is ideal for mid-to-high spenders who can easily achieve waivers/milestones, with annual savings of up to ₹81,000 per official claim. LTF promotions make it a no-brainer for lounge enthusiasts and forex users.
Who is eligible for the BOB Eterna Credit Card?
To be eligible, applicants has to have an annual income of ₹12 lakh or more (salaried/self-employed), have a good credit history, and meet Bank of Baroda/BOBCARD criteria. Apply online at bobcard.co.in using e-KYC.
Is the BOB Eterna Credit Card worth applying for?
Yes, especially if it's Lifetime Free. It provides premium benefits such as unlimited domestic lounge access (post-spend condition), solid rewards in everyday categories, and low forex without high ongoing fees. If you spend more than ₹2-3 lakh per year on online, dining, and travel, the milestones and waivers can be highly rewarding. For pure cashback chasers, compare to 5% unlimited options, but for lounge + lifestyle balance, it's one of the best bets in 2026. Apply as soon as the LTF window is open!