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BOB Eterna

Built for lifestyle spenders.

BOBCARD Eterna Credit Card

3.75% rewards

20,000 RP

Domestic lounges

3.75% on lifestyle spends

Earn 15 reward points per ₹100 (≈3.75%) on online shopping, travel, dining, movies and international spends; each point is worth ₹0.25.

The ₹5L annual playbook

Accelerated points cap at 5,000 per cycle (≈₹33,000 of category spend); ₹50,000 in 60 days earns 10,000 RP and ₹5 lakh a year unlocks a 20,000 RP milestone.

Lounges & lifestyle perks

Unlimited domestic lounge access (needs ₹40,000 prior-quarter spend), buy-one-get-one movie tickets via District, FitPass Pro and a fuel surcharge waiver.

BOB Eterna: fees & key facts

BOB Eterna credit card fees and key facts
Joining fee₹2,499 + GST (waived on ₹25,000 spend in first 60 days; limited-period lifetime-free offer for income ≥₹12 lakh p.a.)
Renewal fee₹2,499 + GST per year (waived on ₹2,50,000 spend in the card anniversary year)
Rewards15 RP per ₹100 (≈3.75%) on online shopping, travel, dining, movies & international spends; 3 RP per ₹100 (≈0.75%) on other eligible spends; 1 RP = ₹0.25
Accelerated cap5X rewards capped at 5,000 RP per statement cycle (≈₹33,333 of category spend); spends beyond the cap earn the base rate
Milestone & welcome10,000 bonus RP on ₹50,000 spend within 60 days; 20,000 bonus RP on ₹5,00,000 spend in a year
Lounge accessUnlimited domestic airport lounge access; from 1 Jan 2025 requires ₹40,000 spend in the preceding calendar quarter. No international lounge access
Lifestyle perksBuy-one-get-one movie tickets via District, up to ₹250/month; 6-month complimentary FitPass Pro; 1% fuel surcharge waiver on ₹400–₹5,000 txns, max ₹250/cycle
Forex & exclusionsForex markup 2% + GST. No reward points on fuel and select MCCs incl. rent, wallet loads, government, education, insurance and utilities

Facts last verified 16 June 2026 against issuer pages and terms. Always confirm on the issuer's application page.

Who should get it

The BOBCARD Eterna is built for someone who spends heavily online and on travel, dining and movies: those four categories earn 15 reward points per ₹100 (worth ₹0.25 each, so ≈3.75% back), among the highest accelerated rates at its ₹2,499 + GST fee. The catch is the cap — accelerated points stop at 5,000 per statement cycle, i.e. roughly ₹33,000 of category spend a month — so the headline rate only holds up to that ceiling, after which everything drops to the 3 points per ₹100 (≈0.75%) base rate.

Pick it if you can comfortably clear ₹2,50,000 a year to waive the renewal fee and keep the lounge perk alive (unlimited domestic lounges now need ₹40,000 of spend in the previous quarter), and if your spending fits the rewarded categories rather than rent, fuel, wallets, utilities or insurance, which earn nothing. There is no international lounge access and forex is marked up 2% + GST, so this is a domestic-lifestyle rewards card, not a travel card for spending abroad.

BOB Eterna FAQs

What is the joining and annual fee for the Bank of Baroda Eterna credit card?

The BOBCARD Eterna has a joining fee of ₹2,499 + GST and an annual (renewal) fee of ₹2,499 + GST. The joining fee is waived if you spend ₹25,000 within the first 60 days, and the renewal fee is waived if you spend ₹2,50,000 in the card anniversary year. A limited-period lifetime-free offer has also been available for applicants with an annual income of ₹12 lakh or more.

What reward rate does the BOBCARD Eterna offer?

It earns 15 reward points per ₹100 spent on online shopping, travel, dining, movies and international transactions, and 3 reward points per ₹100 on other eligible spends. Each reward point is worth ₹0.25 when redeemed as cashback, so the accelerated categories return about 3.75% and the base rate about 0.75%.

Is there a cap on the accelerated reward points?

Yes. The 5X (15 points per ₹100) rate is capped at 5,000 reward points per statement cycle across the bonus categories, which is roughly ₹33,000 of category spend per month. Spending in those categories beyond the cap earns the base rate of 3 points per ₹100 for the rest of that cycle.

What lounge access does the Bank of Baroda Eterna provide?

The card offers unlimited complimentary access to domestic airport lounges in India. From 1 January 2025, this benefit requires a minimum spend of ₹40,000 in the preceding calendar quarter to stay active. The card does not include international airport lounge access.

What spends are excluded from earning reward points on the BOBCARD Eterna?

Fuel and a list of select merchant categories earn no reward points. Excluded categories typically include rent, wallet loads, government services, education, insurance, utilities and supermarkets. The card also applies a 2% + GST foreign currency markup on international transactions.

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