BOB EternaBOBCARD Eterna

Built for lifestyle spenders.

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Value

3.75% statement-credit value on eligible accelerated spends, subject to caps

Offer

Zero joining and first-year fee from 1 September 2026

Forex

15 RP per Rs 100 on eligible international spends; forex markup and GST reduce net value

Movies

Buy 1 Get 1 movie offer

Milestone

20,000 RP bonus on ₹5L annual spends

Redemption

Easy redemption via statement credit

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 airport lounge access after ₹75,000 spend in the preceding calendar quarter, effective 15 July 2026. No international lounge access Buy-one-get-one movie tickets via District, up to ₹250/month; 12-month FITPASS PRO after ₹10,000 spend in 30 days for cards issued from 1 August 2026; fuel surcharge waiver subject to issuer limits

BOB Eterna: fees & key facts

BOB Eterna credit card fees and key facts
Joining fee	₹0 joining and first-year fee from 1 September 2026; renewal fee and waiver conditions still apply
Renewal fee	₹2,499 + GST per year (waived on ₹2,50,000 spend in the card anniversary year)
Rewards	15 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 cap	5X rewards capped at 5,000 RP per statement cycle (≈₹33,333 of category spend); spends beyond the cap earn the base rate
Milestone & welcome	10,000 bonus RP on ₹50,000 spend within 60 days; 20,000 bonus RP on ₹5,00,000 spend in a year
Lounge access	Unlimited domestic airport lounge access after ₹75,000 spend in the preceding calendar quarter, effective 15 July 2026. No international lounge access
Lifestyle perks	Buy-one-get-one movie tickets via District, up to ₹250/month; 12-month FITPASS PRO after ₹10,000 spend in 30 days for cards issued from 1 August 2026; fuel surcharge waiver subject to issuer limits
Forex & exclusions	Forex markup 2% + GST. No points on fuel, rent, wallets, government, education, insurance and other excluded merchant codes. Eligible utilities earn base points only

Public issuer terms checked 3 October 2026.

Core benefits are confirmed by the current product and leaflet. The detailed July excluded-merchant-code PDF was not retrievable during this check.

BOBCARD Eterna BOBCARD July 2026 revision BOBCARD Eterna leaflet

Who should get it

BOBCARD Eterna earns 15 reward points per ₹100 on eligible online, travel, dining and movie spending. At ₹0.25 per point, that is about 3.75% value. Accelerated points share a 5,000-point statement-cycle cap; spending above it earns the eligible base rate of 3 points per ₹100. Joining and first-year fees are nil from 1 September 2026; the renewal fee is ₹2,499 + GST unless the spending waiver applies.

The renewal fee is waived at ₹2,50,000 annual spend, while unlimited domestic lounges require ₹75,000 in the preceding calendar quarter. Utilities under merchant code 4900 earn the base 3 points per ₹100; rent, fuel, wallets, insurance and the other listed exclusions earn nothing. There is no international lounge access and forex carries a 2% + GST markup.

Reward exclusions

Transactions that do not earn Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

Fuel, wallets, rent, government and tax payments
Insurance, education and listed hospital services
Listed supermarkets, convenience stores and fast-food outlets
Listed transport, railways, tolls and contractors
Listed agricultural, personal, legal, civic and charitable services

Utility payments under merchant code 4900 earn the core 3 points per ₹100, without the accelerated multiplier. Annexure 1 identifies the specific excluded merchant codes; both core and accelerated points are excluded for those codes.

Checked 3 October 2026BOBCARD July 2026 rewards terms

BOB Eterna FAQs

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

BOBCARD lists a ₹0 joining and first-year fee from 1 September 2026. The renewal fee is ₹2,499 plus GST, waived on ₹2,50,000 spending in the card anniversary year. A free first year does not make the card lifetime free.

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 after at least ₹75,000 spend in the preceding calendar quarter, effective 15 July 2026. It does not include international airport lounge access.

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

Fuel, rent, wallets, government, education and insurance are excluded, along with specified supermarket, hospital, fast-food and other merchant codes in Annexure 1 of BOBCARD's terms. Utility payments under code 4900 earn the base 3 points per ₹100 without acceleration. Foreign-currency transactions carry a 2% + GST markup.

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