CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Bank of Baroda (BOBCARD)

BOBCARD Eterna Credit Card

26
Ranked #144 of 171 in credit
creditVisa/Mastercard/RuPayPremium

BOBCARD's flagship premium card (2nd-largest PSU card issuer) offering unlimited domestic lounge access and a 3.75% reward rate on travel/dining/online/international spends at a genuinely achievable fee-waiver threshold — periodically available as fully Lifetime Free for high earners.

Score breakdown

Data completeness: 95% · Last verified: 08 Jul 2026

Reward value7/100 · weight 71%
≈ 0.35% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.4% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, rent, education, fuel, insurance. Reward score is scaled by ×(1 − 4.2%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency79/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks55/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹2,499 + 18% GST
= ₹2,949 total
Annual fee
₹2,499 + 18% GST
= ₹2,949 / year total
Waiver: Joining fee waived on Rs25,000 spend within 60 days; annual fee waived on Rs2,50,000 annual spend; LIMITED-PERIOD lifetime-free offer for income Rs12L+ applicants (verify current offer expiry)
Forex markup
2%

Lounge access

Domestic (per year)
Unlimited
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_shoppingpoints0.94%(3.75 pts @ ₹0.25)₹1,250 / monthly15 pts/Rs100, capped 5,000pts/cycle
dining_offlinepoints0.94%(3.75 pts @ ₹0.25)₹1,250 / monthly15 pts/Rs100, capped 5,000pts/cycle
all_spendspoints0.19%(0.75 pts @ ₹0.25)—3 pts/Rs100 other categories

Welcome offer

10,000 bonus points on Rs50,000 spend within 60 days; 20,000 bonus points on Rs5L annual spend; complimentary 6-month FITPASS Pro membership worth Rs15,000

Milestone benefits

Pros

  • Unlimited domestic lounge access (rare, achievable threshold)
  • strong 3.75% headline reward rate on 5 major categories
  • low 2% forex markup
  • periodic Lifetime-Free promotional offers for high earners
  • reward points now lifelong-valid (was 24-month expiry)

Cons

  • DEVALUATION: golf benefit removed (was previously offered)
  • growing list of MCC exclusions reduces real-world reward capture
  • accelerated category cap of 5,000pts/cycle limits high spenders
  • some cardholder reports of unfulfilled promotional offers — support/trust concerns flagged by long-term users

What's inside

More benefits

  • BOGO movie tickets

    ₹250

    Buy 1 get 1 on Paytm Movies/District, up to Rs250/card/month

    Cap ₹3,000 / monthly. Promo code BOBMOVIES or Eterna offer

  • FITPASS Pro membership

    ₹15,000

    6-month complimentary FITPASS Pro gym membership worth Rs15,000

    Cap ₹15,000 / one-time. Welcome benefit on card issuance

  • Culinary dining deals

    Discounts at 250+ partner restaurants

    unlimited. Partner restaurants only

Insurance cover

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Eligibility

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Income Rs12L+ p.a. for guaranteed approval/LTF offer; upgrade path from BOB Premier/Easy after 1 year

Small print

Fuel surcharge:1% waiver, Rs400-5,000 range, capped Rs250/statement cycle; fuel earns zero points