BOBCARD Eterna Credit Card
Best for online shopping, dining and travel spenders. 15 RP per Rs 100 on dining, travel, online & international; 3 RP per Rs 100 otherwise; 1 RP = Rs 0.25
Terms as of 2026-09-27 · Checked 29 September 2026BOBCARD Eterna Credit Card at a glance
Who it suits: Online shopping, dining and travel spenders
Rewards & cashback
| Details | |
|---|---|
| How you earn | 15 RP per Rs 100 on dining, travel, online & international; 3 RP per Rs 100 otherwise; 1 RP = Rs 0.25 |
| Caps & exclusions | Accelerated points capped at 5,000 RP per statement cycle |
| Welcome benefit | FITPASS Pro membership (6 months per official page); bonus 10,000 RP on Rs 50,000 spend in 60 days |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹900 | -₹2,049 |
| ₹3,00,000 / year | ₹2,250 | ₹2,250 |
| ₹6,00,000 / year | ₹4,500 | ₹4,500 |
| ₹12,00,000 / year | ₹9,000 | ₹9,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Unlimited domestic (on Rs 40,000 spend in previous quarter per Paisabazaar) |
| Fuel surcharge | 1% on Rs 400-5,000, max Rs 250/cycle |
| Forex markup | 2.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹2,499 + GST |
| Annual / renewal fee | ₹2,499 + GST |
| Fee waiver | Joining fee reversed on Rs 25,000 spend in 60 days; annual fee reversed on Rs 2.5 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | 1200000 |
| Age | 21-65 (primary), 18+ add-on |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the BOBCARD Eterna Credit Card?
Joining fee ₹2,499 and annual fee ₹2,499 (plus 18% GST). Joining fee reversed on Rs 25,000 spend in 60 days; annual fee reversed on Rs 2.5 lakh annual spend.
What rewards does it offer?
15 RP per Rs 100 on dining, travel, online & international; 3 RP per Rs 100 otherwise; 1 RP = Rs 0.25 Caps/exclusions: Accelerated points capped at 5,000 RP per statement cycle
Does it give airport lounge access?
Unlimited domestic (on Rs 40,000 spend in previous quarter per Paisabazaar)
What is the forex markup?
2.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,360.
Who is eligible?
1200000. A CIBIL score of 750+ improves approval chances.
Is the BOBCARD Eterna Credit Card good for me?
Best for: Online shopping, dining and travel spenders. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.bobcard.co.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Bank of Baroda (BOBCARD)’s website before applying. FinancePortal is not affiliated with the issuer.