←

Card Details

6230 3271 4833 6862

BOBCARD ETERNA

BOBCARDVISA

Monzy Score

7.5/ 10

Very good for diners and foodies.

~3.8% back on top spends; thin rewards outside its core category.

Card Issuer

BOBCARD

Joining Fee

Zero

Annual Fee

Zero

Reward Type

Reward Points

Card Access

Standard

Offers from BOBCARD

See all

Earn Points

15 RP/₹100

5X rewards on dining spends

15 RP/₹100

5X rewards on travel and international spends

15 RP/₹100

5X rewards on online shopping spends

15 RP/₹100

5X rewards on movie spends

Benefits

Travel

15 RP/₹100 on travel & international spends

  • Unlimited lounges plus travel-friendly pricing
  • Unlimited airport lounge access for cardholders (BOBCARD)
  • 2% forex mark-up fee (Paisabazaar)
  • Issuer asterisk indicates terms for unlimited lounge visits
Entertainment

BOGO movie tickets

  • Movie night privileges
  • Buy-one-get-one movie ticket benefit highlighted by issuer

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Online, travel, dining, movies & international

5X (15 RP/100, ~3.75% value) on online, travel, dining, movies and international spends; accelerated cap 5000 RP/month (~Rs 1250), then base 3 RP/100.

₹1,125

Other spends

3 RP/100 on all other categories. Fuel excluded from rewards.

₹0

Total Annual Return

₹13,500

3.75% Effective ROI

What Users Are Saying

Community Feed

May 2026

BOBCARD ETERNANEUTRAL

“Experience with BOB ETERNA credit card”

by r/CreditCardsIndia, May 2026

BOBCARD ETERNANEUTRAL

“BOB is offering Eterna CC LTF till 31st Dec. Interested”

by r/CreditCardsIndia, Nov 2025

BOBCARD ETERNAPOSITIVE

“How to get best value of BOB Eterna credit card”

by r/CreditCardsIndia, Mar 2026

BOBCARD ETERNANEUTRAL

“Bank of Baroda Eterna Credit Card Points (BOBCARD)”

by r/IndianCreditCards, Mar 2026

BOBCARD ETERNANEUTRAL

“BOBCARD ETERNA Credit Card is currently lifetime free or”

by r/CreditCardsIndia, Mar 2026

Frequently Asked Questions

The BOBCARD ETERNA charges ₹2,499 plus GST as a joining fee and the same ₹2,499 again at renewal. Bank of Baroda waives the renewal fee if you spend ₹2.5L in the previous year, which is about ₹20,833 a month. If your card spend sits below that, treat ₹2,499 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

5X rewards capped at 5,000 RP per statement cycle.

Reward points not earned on fuel and other excluded categories.

Lounge access spend condition differs by source (₹40,000 or ₹75,000 in previous quarter).

Limited period lifetime-free offer (Regular card has ₹2,499 annual fees).