Question 1

What is the annual fee on the BOBCARD ETERNA and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the BOBCARD ETERNA?

Accepted Answer

You earn 15 points per ₹100 on Dining. Everything else earns 3 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 1500 points, roughly ₹375, which is about 3.8% back. The accelerated rate stops after ₹33,333 of spend in a month. Fuel earn nothing at all.

Question 3

Does the BOBCARD ETERNA give unlimited airport lounge access?

Accepted Answer

Yes. The card carries unlimited complimentary domestic and international lounge visits for the primary member, and guest visits are usually chargeable. Lounge access on premium cards is increasingly linked to prior quarter spend, so check your statement page each quarter. This is the single benefit that justifies most of the fee if you fly even once a month.

Question 4

What changed on the BOBCARD ETERNA recently and is it still worth it in 2026?

Accepted Answer

Growing exclusion list; lounge ₹40k/quarter; accidental death cover removed. (LTF acquisition offer till Apr 30, 2026 as counterweight.). The changes are dated 2025-2026. At ₹2.5L of yearly spend the card returns roughly ₹1,875 at its general rate of about 0.75%, against a ₹2,499 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

Card Details

BOBCARD ETERNA

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind