BOBCARD Eterna
The BOBCARD Eterna is Bank of Baroda’s flagship lifestyle credit card, recognized for its effective 3.75% value return on online shopping, travel, and dining. Spenders benefit from unlimited domestic airport lounge access, monthly BookMyShow ticket savings, a subsidized 2.00% foreign exchange markup, and direct 1:1 redemption of reward points into statement cash credit.
Why We Recommend The BOBCARD Eterna
BOBCARD’s most celebrated card, offering an effective 3.75% statement return and unlimited lounge access at a reasonable price point.
High online shoppers and frequent domestic flyers looking for direct statement cash returns.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the BOBCARD Eterna?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for BOBCARD Eterna
Zero hidden costs. Complete fee schedule verified with BOB Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Eterna
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits across India
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Complimentary Priority Pass membership (standard usage charges apply)
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes BOBCARD Eterna Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Unlimited domestic airport lounge access across India on meeting quarterly spend criteria.
Buy 1 Get 1 free movie ticket on District / Paytm (up to ₹250 discount, 2 times per month).
Subsidized 2.00% foreign exchange markup fee for international transactions.
Pros & Cons of the BOBCARD Eterna
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Points can be directly redeemed for statement cash credit at ₹0.25 per point without catalog devaluation.
- Unlimited lounge visits with an achievable ₹40,000 quarterly spend threshold.
- Low 2.0% forex fee compared to the standard 3.5% across public sector bank cards.
Things to Consider (Cons)
- Accelerated reward points are capped at 5,000 points (₹1,250) per monthly billing cycle.
- International Priority Pass visits carry standard entry fees.
- Broad MCC exclusion list (utilities, wallet loads, and rent do not earn reward points).
Who Can Apply for the BOBCARD Eterna?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
740+ Score Recommended
Applicants with a credit score of 740 or higher enjoy fast-tracked approval and preferential credit limits from BOB Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Eterna
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from BOB Bank
Compare rewards, annual fees, and airport lounge perks across alternative options.
BOBCARD Cashback
Designed as an economical cashback solution, the BOBCARD Cashback Credit Card provides a 5% direct statement return on online transactions across almost all e-commerce merchants. At a low annual fee of ₹499, it automatically credits savings against monthly card dues without points redemption catalogs or conversion delays.
BOBCARD CMA One
Completing BOBCARD’s institutional accounting suite, the CMA One card is dedicated to members of the Institute of Cost Accountants of India (ICMAI). Issued Lifetime Free, it pairs domestic airport lounge access with quarterly milestone bonuses up to 4,000 points and a reduced 2.00% forex markup.
BOBCARD Corporate
An institutional corporate card created for mid-to-large corporate organizations to govern employee travel, lodging, and client entertainment expenses. It features centralized billing ledgers, individual executive credit controls, and domestic airport lounge visits for traveling staff.
Ready to Apply for the BOBCARD Eterna?
Check your pre-approved credit limit and instant approval eligibility across BOB Bank with 100% paperless verification and zero score impact.