Home / Bank of Baroda / BOBCARD Eterna Credit Card
Card Image

BOBCARD Eterna Credit Card

Bank of Baroda |
Dining Lifestyle Lounge Access Premium Rewards Shopping Travel

Annual Fee

FREE

Rewards/₹100 ⓘ

₹0.75 - ₹3.75

Normalized to balance base rate with bonus categories

Interest Rate

39.00%

Credit Score

750+

At a Glance

Key Benefits

3.75% rewards on dining/travel/online, unlimited lounge access, Rs.1Cr air accident insurance, 6-month FitPass, BOGO movies

Lounge Access

Unlimited complimentary domestic airport lounge visits (requires Rs.40,000 quarterly spend from Jan 2025)

Eligibility

Age 21-65, Min income Rs.12 lakh p.a., CIBIL 750+, Resident Indians (Salaried/Self-employed)

Quick Details

Annual Fee
FREE #1
Joining Fee
FREE #1
Interest Rate
39.00% p.a. #64
Forex Markup
2.00% #38
Rewards/₹100
₹0.75 - ₹3.75 #94
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
Unlimited #1
Min Credit Score
750+ #186
Min Monthly Income ₹100
Network VISA
Card Replacement Fee 100
Late Payment Fee ₹100
Cash Advance Fee ₹500 2.50% (min ₹500)
Card Replacement Fee ₹100
Over Limit Fee ₹600 2.50% (min ₹600)
Fee Waiver on Spend ₹2,50,000/yr

Reward Structure

Accel

Dining & Restaurants

₹3.75 /₹100
Accel

Travel Bookings

₹3.75 /₹100
Accel

Online Shopping

₹3.75 /₹100
Accel

International Spends

₹3.75 /₹100
Accel

Movies & Entertainment

₹3.75 /₹100
Base

All Other Spends

₹0.75 /₹100
Partner

Fuel Transactions

₹0.00 /₹100
Partner

Utility Bills & Rent

₹0.00 /₹100
Partner

Wallet Loads

₹0.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
Dining & Restaurants
15.0 pts
22% ₹0
Travel Bookings
15.0 pts
16% ₹0
Online Shopping
15.0 pts
14% ₹0
International Spends
15.0 pts
12% ₹0
Movies & Entertainment
15.0 pts
10% ₹0
Fuel Transactions
0.0 pts
9% ₹0
Utility Bills & Rent
0.0 pts
7% ₹0
Wallet Loads
0.0 pts
6% ₹0
Other Spends
3.0 pts
4% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Joining fee of Rs.2,499 reversed on spending Rs.25,000 within first 60 days

Spend ₹25,000 within 60 days

₹2,499

value

Welcome Bonus

10,000 reward points (worth Rs.2,500) on spending Rs.50,000 within first 60 days

Spend ₹50,000 within 60 days

₹2,500

value

Welcome Bonus

6-month FitPass Pro membership (worth Rs.15,000) as welcome gift including access to 2,500+ premium gyms and fitness studios

Spend ₹0

₹15,000

value

Annual Benefit

Annual fee waiver on spending Rs.2.5 lakh in card anniversary year

Spend ₹2,50,000 within 365 days

₹2,499

value

Annual Benefit

20,000 bonus reward points (worth Rs.5,000) on annual spend of Rs.5 lakh

Spend ₹5,00,000 within 365 days

₹5,000

value

Airport Lounge Access

Domestic Free
Unlimited

visits

Unlimited complimentary domestic airport lounge access. Requires Rs.40,000 spend in preceding calendar quarter (effective from Jan 1, 2025)

Insurance Coverage

Air Accident

₹1,00,00,000

Rs.1 crore air accidental death insurance coverage

Personal Accident

₹10,00,000

Rs.10 lakh non-air accidental death insurance coverage

Lost Card

₹0

Zero lost card liability protection for fraudulent transactions after reporting

Lifestyle Perks

Fuel

1 /month

1% fuel surcharge waiver on transactions between Rs.400-Rs.5,000 at all fuel stations across India (max Rs.250 per statement cycle)

Entertainment

1 /month

Buy-one-get-one movie tickets with up to Rs.250 discount on 2nd ticket via District app (once per month)

Fitness

1

6-month FitPass Pro membership worth Rs.15,000 with access to 2,500+ premium gyms, yoga studios, and fitness centers across India

Emi

Smart EMI conversion available on purchases above Rs.2,500 for 6 to 48 months tenure at attractive interest rates

Contactless

Tap & Pay contactless payment support for quick and secure transactions

Cashback

1

Redeem reward points as cashback at 1 RP = Rs.0.25 value or for merchandise, vouchers, and travel bookings

Travel

Extra 12 reward points per Rs.100 spent on flights and 30 reward points on hotels booked via BOBCARD SmartDeal platform

Addon

3

Up to 3 lifetime free add-on cards for family members (age 18+)

Quick Analysis

BOBCARD Eterna is the flagship premium credit card from Bank of Baroda, offering exceptional 3.75% rewards on dining, travel, online shopping and international spends, unlimited domestic lounge access, and comprehensive insurance. With low 2% forex markup and premium lifestyle benefits like FitPass membership, it is ideal for high-income individuals seeking a lifetime free premium card with excellent rewards.

Pros

  • Lifetime free till 31st Dec 2025
  • 5X rewards on dining, travel, online shopping & international spends
  • 15 reward points per Rs.100 on accelerated categories (3.75% value)
  • Unlimited complimentary domestic airport lounge access
  • Rs.1 crore air accident insurance coverage
  • Rs.10 lakh non-air accident insurance
  • Low 2% forex markup fee
  • 10,000 bonus points on Rs.50K spend in 60 days
  • 20,000 bonus points on Rs.5L annual spend
  • 6-month FitPass Pro membership worth Rs.15,000
  • Buy-one-get-one movie tickets (up to Rs.250/month)
  • 1% fuel surcharge waiver (Rs.400-Rs.5,000, max Rs.250/cycle)
  • Up to 3 lifetime free add-on cards
  • Zero lost card liability protection
  • Smart EMI conversion (6-48 months)
  • Available on Visa, Mastercard & RuPay networks
  • Lower interest rate at 39% p.a.

Cons

  • High Rs.2,499 joining and annual fee (after free period)
  • Lounge access requires Rs.40,000 quarterly spend from Jan 2025
  • 5X rewards capped at 5,000 points per statement cycle
  • High Rs.12 lakh annual income requirement
  • Minimum CIBIL score of 750 required
  • No rewards on fuel, wallet loads, rent & utility payments
  • Joining fee refund requires Rs.25K spend in 60 days
  • Annual fee waiver needs Rs.2.5L annual spend
  • Cash advance fee 2.5% or Rs.500, whichever higher
  • No international lounge access or Priority Pass
  • No concierge services for premium tier
  • Movie offer limited to once per month
  • Limited to Rs.5 lakh maximum credit limit

Best For

Premium lifestyle seekers, frequent travelers, dining enthusiasts, high-income professionals

Not Ideal For

Budget seekers, low-income earners, those who cannot meet spend requirements

Frequently Asked Questions

What is the annual fee for BOBCARD Eterna Credit Card?
The joining and annual fee is Rs.2,499 + GST. However, the card is currently available as lifetime free till 31st December 2025. The joining fee is reversed if you spend Rs.25,000 within the first 60 days. From the second year onwards, the annual fee is waived if you spend Rs.2.5 lakh or more annually.
What are the reward rates on BOBCARD Eterna?
You earn 15 reward points per Rs.100 spent (5X rewards or 3.75% value) on dining, travel, online shopping, movies, and international transactions. On all other categories, you earn 3 reward points per Rs.100 (base rate or 0.75% value). The 5X rewards are capped at 5,000 points per statement cycle. No rewards on fuel, wallet loads, rent, and utility payments.
What is the value of reward points?
Each reward point is worth Rs.0.25. You can redeem accumulated reward points as cashback at this rate (4 points = Rs.1), or for merchandise, vouchers, and travel bookings. For example, 10,000 points = Rs.2,500 cashback. The maximum reward rate of 3.75% (15 points × Rs.0.25) makes it one of the best premium cards.
What is the lounge access benefit?
BOBCARD Eterna offers unlimited complimentary domestic airport lounge access throughout the year. However, from January 1, 2025, you must spend a minimum of Rs.40,000 in the preceding calendar quarter to unlock lounge access for the current quarter. No international lounge access or Priority Pass membership is provided.
What milestone benefits does the card offer?
Welcome Benefits: (1) 6-month FitPass Pro membership worth Rs.15,000 with access to 2,500+ gyms, (2) Joining fee reversal on Rs.25,000 spend in 60 days, (3) 10,000 reward points (Rs.2,500) on Rs.50,000 spend in 60 days. Annual Benefits: (1) Annual fee waiver on Rs.2.5 lakh spend, (2) 20,000 bonus points (Rs.5,000) on Rs.5 lakh annual spend.
What is the eligibility criteria?
Age: 21-65 years (primary cardholder), 18+ years (add-on cardholder). Minimum annual income: Rs.12 lakh (for both salaried and self-employed). CIBIL score: 750+. Must be Resident Indian. You can also apply on a Card-to-Card basis using your existing credit card with minimum Rs.50,000 limit.
What documents are required to apply?
For Salaried: PAN Card, Identity/Address proof (Aadhaar/Passport/Voter ID/DL), Bank statement showing salary credit for last 3 months OR latest salary slip/Form 16. For Self-Employed: PAN Card, Identity/Address proof, ITR acknowledgement for last 2 years, Bank statement for last 6 months. Card-to-Card: Latest credit card statement from other bank.
What is the fuel surcharge waiver?
Get 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000. The waiver is capped at Rs.250 per statement cycle. Note: No reward points are earned on fuel transactions as fuel is excluded from rewards program.
What insurance coverage is included?
The card provides comprehensive insurance: (1) Rs.1 crore air accidental death insurance, (2) Rs.10 lakh non-air accidental death insurance, (3) Zero lost card liability protection for fraudulent transactions after reporting the card loss to the bank immediately.
What is the interest rate and interest-free period?
The interest rate is 3.25% per month (39% per annum), which is lower than most credit cards. You get up to 50 days interest-free period if you pay the full outstanding amount by the due date. This applies to retail purchases only, not cash advances.
What is the forex markup charge?
The foreign currency markup fee is only 2% + GST on all international transactions, which is lower than most premium cards. You also earn 5X rewards (15 points per Rs.100) on international spends, making it excellent for foreign currency transactions with net benefit of around 1.75% after forex charges.
What are the late payment charges?
Late payment fees are levied based on outstanding balance: Rs.100 (for dues Rs.100-500), Rs.400 (Rs.501-5,000), Rs.750 (Rs.5,001-10,000), Rs.1,000 (Rs.10,001-25,000), Rs.1,200 (Rs.25,001-50,000), and Rs.1,300 (above Rs.50,000). Plus 18% GST. Additionally, interest charges apply on unpaid amounts.
What is the cash advance fee?
Cash withdrawal charges are 2.5% of the withdrawn amount or Rs.500, whichever is higher, plus GST. Additionally, finance charges of 3.25% per month (39% p.a.) apply on cash advances from the transaction date. Cash advances do not get any interest-free period.
What is the FitPass Pro membership benefit?
As a welcome gift, BOBCARD Eterna provides a 6-month FitPass Pro membership worth Rs.15,000. This gives you access to 2,500+ premium gyms, yoga studios, swimming pools, CrossFit boxes, and fitness centers across India. You can visit multiple gyms and try different fitness activities without any additional cost.
What is the movie ticket offer?
Get buy-one-get-one (BOGO) movie tickets with up to Rs.250 discount on the second ticket via District app. This offer is valid once per month, making it great for movie enthusiasts. Book your tickets through the District platform and enjoy savings on your movie outings.
Are add-on cards available?
Yes, you can get up to 3 lifetime free add-on cards for family members aged 18 years and above. Add-on cardholders share the credit limit of the primary card and all transactions contribute to rewards and milestone benefits. No annual fee is charged for add-on cards.
How long is the lifetime free offer valid?
The lifetime free offer is valid till 31st December 2025. If you apply during this period, you will get the card with zero joining and annual fees for lifetime, provided you meet the annual spend requirement of Rs.2.5 lakh from the second year onwards to continue the fee waiver.
What is the over-limit charge?
If your outstanding exceeds the sanctioned credit limit, you will be charged 2.5% of the over-limit amount or Rs.600, whichever is higher. 18% GST applies on this charge. It is recommended to stay within your credit limit to avoid these charges and maintain good credit health.
Is EMI conversion available?
Yes, Smart EMI conversion is available on purchases above Rs.2,500. You can convert purchases into EMIs for tenures ranging from 6 to 48 months at attractive interest rates. This feature helps manage large expenses by spreading payments over time, making big-ticket purchases more affordable.
What credit limit can I expect?
The credit limit ranges from Rs.50,000 to Rs.5,00,000 based on your income, credit score, and credit history. The bank determines the limit based on your financial profile. You can request a credit limit increase after 6 months of good repayment history through net banking or by contacting customer care.
Which payment network is BOBCARD Eterna available on?
BOBCARD Eterna is available on multiple payment networks including Visa, Mastercard, and RuPay. All new issuances are primarily on Visa Infinite network. Existing cardholders can convert between networks. The RuPay variant can be linked to UPI apps for earning rewards on UPI transactions.
What is the BOBCARD SmartDeal travel benefit?
Book flights and hotels through the BOBCARD SmartDeal platform to earn extra reward points. You get additional 12 reward points per Rs.100 spent on flight bookings and 30 reward points per Rs.100 on hotel bookings. This is over and above the base 15 reward points on travel category, significantly boosting your rewards.
Which spends are excluded from rewards?
The following transactions do not earn reward points: fuel purchases, wallet loads (Paytm, PhonePe, etc.), rent payments, utility bill payments, insurance premiums, education fees, hospital/medical payments, government payments, charity donations, supermarkets, convenience stores, fast food restaurants, and select personal services. Focus on eligible categories for maximum rewards.
How do I maximize rewards on BOBCARD Eterna?
To maximize rewards: (1) Use for dining, travel bookings, online shopping, and international spends to earn 3.75% rewards, (2) Meet the Rs.40,000 quarterly spend to maintain lounge access, (3) Spend Rs.50,000 in first 60 days to earn 10,000 bonus points, (4) Achieve Rs.5 lakh annual spend for 20,000 bonus points, (5) Book travel via BOBCARD SmartDeal for extra points, (6) Redeem points at 1:0.25 ratio for maximum value.

User Reviews

Our Rating

4.7
APPLY NOW

on Bank of Baroda's website

Rating Breakdown

Rewards
4.7/5 Top 16%
Benefits
5.0/5 Top 4%
Fees
4.9/5 Top 5%
Value for Money
5.0/5 Top 1%
User Reviews
3.0/5 Top 50%

Important Links

Ready to Apply for BOBCARD Eterna Credit Card?

Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.

Apply Now
APPLY NOW

Compare Cards

0 of 4 cards selected

No cards selected

Add cards to compare their features, fees, and rewards side by side.

Select at least 2 cards to compare