Skip to main content
BOBCARD ETERNA Credit Card
79/100 · ₹2,499/yr
Apply
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
Bank of Baroda
BOBCARD ETERNA Credit Card
Visa
Rewards VISA

BOBCARD ETERNA Credit Card

by Bank of Baroda · Data verified 4 days ago

Premium lifestyle and travel credit card with unlimited domestic lounge access, 5X rewards on travel & dining, and 2% forex markup.

79
Score
Based on rewards, fees, benefits & eligibility
₹2.5K
Fee
Waiver available on spending
4
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
4 RP Earn
base reward rate
999 per year Lounges
complimentary
₹2,499/yr
waiver available
79/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Annual Fee
Card membership
-₹2,499
Net Annual Value

You save per year!

What's Great

  • Unlimited domestic airport lounge access
  • 3.75% reward return on travel, dining, and online spends
  • Low 2.0% forex markup
  • BOGO movie ticket on District app up to ₹250/month

Things to Consider

  • 5X accelerated rewards capped at 5,000 RP/month
  • No complimentary international airport lounge visits
  • Minimum ₹12 Lakhs annual income requirement

Perfect For

Travel Dining Movie & Entertainment Online Shopping

About This Card

Reviewed as one of the best premium category cards, the BOBCARD ETERNA offers smart savings with premium lifestyle privileges valued up to ₹81,000 annually. It features 15 Reward Points per ₹100 on travel, dining, online, and international spends, BOGO movie tickets on District app, and unlimited domestic airport lounge access.
Annual Fee
₹2,499
Waiver
Spend ₹2,50,000 in the preceding card anniversary year
Joining Fee
₹2,499
Waiver
Waived on spending ₹50,000 within 60 days of card issuance

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
3.25% - 3.25%
Foreign Transaction Fee
Markup on international txns
2.00%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹250) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹500
Nil
₹501-₹5,000
₹500
₹5,001-₹10,000
₹750
₹10,001-₹25,000
₹1,000
>₹25,000
₹1,200
4
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
Complimentary 12-month FITPASS PRO membership worth ₹48,000 on spending ₹10,000 within 30 days of issuance

Milestone Rewards

10,000 bonus reward points on spending ₹50,000 within the first 60 days
20,000 bonus reward points on spending ₹5,00,000 in an anniversary year
Annual fee waiver of ₹2,499 on annual spend of ₹2,50,000

Reward Earning by Category

Category Reward Rate Details
Point Value: 1 point = ₹0.25

Domestic Lounges

999 per year

Concierge

24/7 assistance

Fuel Savings

₹250/mo

Movies

  • •Buy 1 Get 1 free movie ticket every month on District app (up to ₹250 off)

Dining

  • •5X Rewards (15 Reward Points per ₹100) on dining spends

Travel

  • •Unlimited domestic airport lounge access
  • •Reduced foreign currency markup of 2.0%

Special Offers & Features

  • •Unlimited complimentary domestic airport lounge access across India
  • •Accelerated 15 Reward Points per ₹100 on Travel, Dining, Online, and International spends
  • •Low 2.0% foreign currency markup fee on international transactions
  • •10,000 bonus reward points welcome benefit on spending ₹50,000 in first 60 days

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
79 out of 100

CardSahayak Score

"Apply Now" takes you to Bank of Baroda's official website.

Eligibility

Salaried ₹1,200,000/mo
Self-Employed ₹1,200,000/mo
Age 25-55 yrs
CIBIL 750+
Employment Salaried, Self-Employed
Card Variant Infinite

Scores

Rewards 50/100
Fees 92/100
Benefits 39/100
Access 50/100

⚡ Quick Compare

Compare with other cards to find the best fit.

Compare Cards
2 Active Offers

Deals & Offers

Exclusive offers available on BOBCARD ETERNA Credit Card

Swiggy

Swiggy

Get 15% instant discount up to ₹100 on food delivery orders on Swiggy using BOBCARD with promo code BOBCARD100.

15%
Till 31 Dec 2026 BOBCARD100 dining
Discount
15% up to ₹100
Min Spend
₹499
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Add food items of ₹499+ on Swiggy app.
Step 2: Enter promo code BOBCARD100 on payment page.
Step 3: Pay using BOBCARD (Bank of Baroda Credit Card).
Terms & Conditions

Valid on minimum spend of ₹499. Maximum discount ₹100 per transaction. Valid twice per month per cardholder.

Use Code: BOBCARD100
Visit Offer
Croma

Croma

Enjoy instant savings up to ₹3,000 on consumer electronics, smart TVs, and laptops at Croma using BOBCARD credit cards.

₹3,000
Till 31 Dec 2026 shopping
Discount
Up to ₹3,000 Off
Min Spend
₹15,000
Max Savings
₹3,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop for electronics at Croma stores or croma.com.
Step 2: Ensure transaction value is ₹15,000 or above.
Step 3: Settle payment using BOBCARD credit card.
Terms & Conditions

Valid on minimum transaction of ₹15,000. Maximum discount ₹3,000. Valid on eligible credit cards.

Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about BOBCARD ETERNA Credit Card

To be eligible, you need:
  • • Min age: 25 years
  • • Salaried: ₹1,200,000/month min
  • • Self-employed: ₹1,200,000/month min
  • • CIBIL: 750+ recommended
The annual fee is ₹2,499. The fee can be waived by Spend ₹2,50,000 in the preceding card anniversary year.
You earn 4 reward points per eligible transaction. Each point is worth approximately ₹0.25. Welcome bonus: Complimentary 12-month FITPASS PRO membership worth ₹48,000 on spending ₹10,000 within 30 days of issuance on activation! Redeem for flights, hotels, vouchers via Bank of Baroda rewards portal.
Yes! Complimentary lounge access:
  • ✓ Domestic: 999 per year
  • → Unlimited complimentary domestic airport lounge access for primary cardholders
  • → Subject to spend criteria (₹40,000 to ₹75,000 in preceding calendar quarter)
  • • Instant: Pre-approved Bank of Baroda customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for BOBCARD ETERNA Credit Card today and unlock amazing rewards and premium experiences.

Help Friends Save

Know someone considering this card?

Share this verified review so they make the right financial choice.

Community Reviews

What Users Say

💬

No reviews yet for BOBCARD ETERNA Credit Card.

Be the first to share your experience!

✍️

Share your experience

Sign in to write a review, share your approval data, and help others choose the right card.

Sign in with Google
Alternatives

Similar Cards

Compare before you decide

85
BANK OF BARODA
•••• •••• •••• ••••
BOBCARD Etihad Guest Premium Credit Card

BOBCARD Etihad Guest Premium Credit Card

Bank of Baroda

VISA
Fee Waiver Available
6 Reward Points
Lounge Access
Rewards
80
Fees
98
Benefits
42
Access
50
83
Top Pick
HDFC BANK
•••• •••• •••• ••••
HDFC Millennia

HDFC Millennia

HDFC Bank

VISA
Fee Waiver Available
1 Reward Points
5.00% Cashback
Lounge Access
Rewards
62
Fees
92
Benefits
36
Access
84
83
YES BANK
•••• •••• •••• ••••
Yes First Preferred

Yes First Preferred

YES Bank

VISA
Fee Waiver Available
4 Reward Points
Lounge Access
Rewards
45
Fees
100
Benefits
52
Access
50
83
YES BANK
•••• •••• •••• ••••
YES BANK RESERV Credit Card

YES BANK RESERV Credit Card

YES Bank

VISA
Fee Waiver Available
3 Reward Points
Lounge Access
Rewards
33
Fees
96
Benefits
75
Access
50
View All Cards