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Bank of Baroda (BOBCARD) · Visa / Mastercard / RuPay · हिन्दी

BOBCARD Eterna Credit Card: full review

The BOBCARD Eterna is one of the most underrated credit cards in India. The 3.75% on online spends, dining and travel matches or beats cards from bigger banks at twice the fee. Unlimited lounge for add-on cardholders and 2% forex at a waivable ₹2,499 fee make it exceptional value, especially when available Lifetime Free.

Apply now ↗Annual fee: ₹0 joining
Last updated: October 2026 · Current terms verified
BOBCARD
VISA
)))
BOBCARD ETERNA
ASHOK KUMAR
12/28
₹0 joining (from 1 September 2026); ₹2,499 + taxes annual from year 2 (waived on ₹2,50,000/year spend)Annual fee
15 reward points per ₹100 on online shopping, dining, travel and international spends (3.75%); 3 RP on other spends (0.75%)Reward structure
Unlimited domestic lounge access for primary + add-on cardholders; 2 international visits/yearLounge access

Key benefits of the BOBCARD Eterna Credit Card

15 reward points per ₹100 on online shopping, dining, travel and international spends (1 RP = ₹0.25; effective 3.75%)3 reward points per ₹100 on all other eligible spends (0.75%)Accelerated 5X rewards capped at 5,000 RP per statement cycleUnlimited complimentary domestic lounge access for primary AND add-on cardholders2 international lounge visits per year via Priority Pass2% low forex markup on international transactions10,000 welcome reward points (worth ₹2,500) on ₹50,000 spend in first 60 days20,000 bonus points on ₹5L annual spend (worth ₹5,000)Annual fee waived on ₹2.5L spend; often issued Lifetime Free for ₹12L+ incomeFITPASS Pro membership (worth ₹15,000) as welcome benefitBOGO movie tickets via Paytm (once/month, max ₹250 off)
Apply now ↗ Min. income: ₹12L+/year · Credit score: 700+
Pros and cons
Pros
✓ Best reward rate at this fee tier, 3.75% on online/dining/travel beats most ₹2,500 cards
✓ Unlimited domestic lounge for both primary AND add-on cardholders, rare
✓ 2% forex is strong for a mid-tier card
✓ Easily available as Lifetime Free for ₹12L+ income earners
Cons
✗ Accelerated rewards capped at 5,000 RP/month, limits value for very high spenders
✗ Less known bank, BOBCARD customer service can be inconsistent
✗ Reward points expire after 24 months
✗ No rewards on supermarkets, fast food, fuel, insurance, rent
Quick facts
Issuer Bank of Baroda (BOBCARD)
Network Visa / Mastercard / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 joining (from 1 September 2026); ₹2,499 + taxes annual from year 2 (waived on ₹2,50,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic lounge access for primary + add-on cardholders; 2 international visits/year
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹12L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceBOBCARD's Eterna card page · Last checked October 2026
Recent updates

Added the cap from BOBCARD's card page to our maths: the 5X points on dining, shopping, travel and international spends are capped at 5,000 points (₹1,250) a statement cycle. The joining fee is now ₹0 for cards issued from 1 September 2026.

5X capNot counted₹1,250 a cycle
Joining fee₹2,499₹0
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Frequently asked questions
The annual fee for BOBCARD Eterna Credit Card is ₹0 joining (from 1 September 2026); ₹2,499 + taxes annual from year 2 (waived on ₹2,50,000/year spend). The joining fee is ₹0.
The main benefits of the BOBCARD Eterna Credit Card are: 15 reward points per ₹100 on online shopping, dining, travel and international spends (1 RP = ₹0.25; effective 3.75%); 3 reward points per ₹100 on all other eligible spends (0.75%); Accelerated 5X rewards capped at 5,000 RP per statement cycle; Unlimited complimentary domestic lounge access for primary AND add-on cardholders; 2 international lounge visits per year via Priority Pass; 2% low forex markup on international transactions; 10,000 welcome reward points (worth ₹2,500) on ₹50,000 spend in first 60 days; 20,000 bonus points on ₹5L annual spend (worth ₹5,000); Annual fee waived on ₹2.5L spend; often issued Lifetime Free for ₹12L+ income; FITPASS Pro membership (worth ₹15,000) as welcome benefit; BOGO movie tickets via Paytm (once/month, max ₹250 off).
15 reward points per ₹100 on online shopping, dining, travel and international spends (3.75%); 3 RP on other spends (0.75%)
BOBCARD Eterna Credit Card is best for Premium all-round card with high online rewards, unlimited domestic lounge and low forex. The BOBCARD Eterna is one of the most underrated credit cards in India. The 3.75% on online spends, dining and travel matches or beats cards from bigger banks at twice the fee. Unlimited lounge for add-on cardholders and 2% forex at a waivable ₹2,499 fee make it exceptional value, especially when available Lifetime Free.
The minimum income requirement for BOBCARD Eterna Credit Card is ₹12L+/year. A minimum credit score of 700+ is also recommended.
Yes, BOBCARD Eterna Credit Card offers Unlimited domestic lounge access for primary + add-on cardholders; 2 international visits/year.
BOBCARD Eterna Credit Card charges a 2% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
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Card reviews
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