BoBcard Eterna Credit Card
Updated 15 Apr 2026Source-linked
The BoBcard Eterna Credit Card is a premium credit card from Bank of Baroda, with a joining fee of ₹2,499 + GST.
It earns up to 15% back on travel dining online shopping spends in the form of reward points (points).
Cardholders get 2 quarterly domestic + 2 annual international airport lounge access, plus welcome gift worth ₹2,500 as a welcome benefit.
BoBcard Eterna Credit Card
- Joining Fee₹2,499
- Annual Fee₹2,499
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 15% on travel dining online shopping
- Base 1.25% on other spends
Welcome Benefits
- Welcome gift worth ₹2,500
BoBsignaturepremiumRewards and Benefits
Rewards Rate
15% on travel dining online shopping
Base 1.25% on other spends.
Reward Redemption
BoBcard Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
Welcome gift worth ₹2,500
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- personal accident: ₹1,00,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹4,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- premium card issued by Bank of Baroda.
- Joining / annual fee of ₹2,499 + GST, waived on annual spends of ₹4,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly) + international (2/annual).
- Insurance cover bundled: personal accident.
Pros & Cons
Pros
- Annual fee waivable on ₹4,00,000 spend.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- Accelerated earn rate of 15% on travel dining online shopping.
Cons
- No rewards on fuel spends.
₹2,500 welcome benefit
- Welcome gift worth ₹2,500Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 15% on travel dining online shopping
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
2 visit(s) / quarterly. Via visa, dreamfolks.
International
2 visit(s) / annual. Via priority-pass.
Insurance benefits
- personal accident: ₹1,00,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Sources
- : www.bobfinancial.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.