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, dining, and international spends. Spenders benefit from unlimited domestic airport lounge access, monthly District movie ticket savings, a subsidized 2.00% foreign exchange markup, and direct redemption of reward points into statement cash credit.
Why We Recommend The BOBCARD Eterna
BOBCARD’s flagship card, offering a 3.75% statement return, milestone bonuses of 20,000 RPs, and unlimited domestic lounge access.
High online shoppers and frequent flyers looking for direct statement cash returns and unlimited domestic lounge access.
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
Ratings are algorithmically weighted using real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and pricing transparency.
Uncover Your True Net Yield with the BOBCARD Eterna
Financially calibrated for BOBCARD Limited (Bank of Baroda) reward policies. Simulate your real spending habits, unlock milestone fee waivers, and forecast pure rupee savings.
* Official Point Value: ₹0.25
Calculated on annual spending of ₹6,00,000.
Instant Bank Approval • Zero CIBIL Impact Check
Complete Fee Schedule for the BOBCARD Eterna
Zero hidden charges. Transparent pricing verified against official BOBCARD Limited (Bank of Baroda) regulatory schedules.
One-time setup fee billed on your first monthly card statement
Billed annually starting from the 2nd year of card membership
Annual renewal fee is reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate applicable on revolving card balances
Fee applicable on ATM cash withdrawals via credit card
Grace window from the first day of billing cycle till due date
Airport Lounge Privileges on the BOBCARD Eterna
Experience complimentary gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits across India
Valid across 40+ premier domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not complimentary
Access over 1,300+ luxury airport lounges across major international flight hubs in Dubai, London Heathrow, Singapore Changi, New York JFK, and Doha.
What Makes BOBCARD Eterna Stand Out?
Top card benefits, milestone perks, partner privileges, and consumer protections engineered into this tier.
Unlimited domestic airport lounge access across India on meeting the ₹40,000 quarterly spend criteria.
Buy 1 Get 1 free movie ticket on District App (up to ₹250 discount, once per month).
Subsidized 2.00% foreign exchange markup fee with 3.75% reward return on international transactions.
Honest Pros & Cons of the BOBCARD Eterna
An objective evaluation of key strengths and structural limitations before submitting your application.
What We Love (Pros)
- Points can be directly redeemed for statement cash credit at ₹0.25 per point.
- Unlimited domestic lounge visits with a ₹40,000 quarterly spend threshold.
- Low 2.00% forex fee paired with 15 RPs/₹100 on international spends yields positive net value abroad.
Things to Consider (Cons)
- Accelerated 5X reward points are capped at 5,000 points (₹1,250) per monthly statement cycle.
- No complimentary international airport lounge visits included.
- Broad MCC exclusion list (fuel, utilities, wallet loads, education via third-party apps, and rent do not earn accelerated points).
Who Can Apply for the BOBCARD Eterna?
Review minimum income thresholds, credit score benchmarks, and essential documentation before starting.
Net in-hand monthly or annual earnings
Primary cardholder (18+ for add-on cards)
With continuous regular employment history
With valid Indian residential address proof
740+ Score Recommended
Applicants with a score above 740 qualify for expedited approval, optimal credit limits, and zero security deposit requirements from BOBCARD Limited (Bank of Baroda).
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Verification
Aadhaar Card (linked with mobile number for instantaneous e-KYC), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or verifiable e-PAN copy required by RBI guidelines for all formal credit evaluations.
Proof of Income
Salaried: Last 3 months' salary slips or net banking account aggregator consent. Self-employed: Latest ITR computation.
Everything You Need to Know About BOBCARD Eterna
Clear answers on fee waivers, reward points redemption, lounge rules, and approval timelines.
The annual renewal fee for BOBCARD Eterna is ₹2,499 + GST.
You can have this fee completely waived by meeting the annual spend milestone: Joining fee ₹0 (w.e.f. 1st Sep 2026); Annual fee waived on annual spends of ₹2,50,000 or more. Spends across retail, online shopping, travel, dining, and utility payments count towards this milestone.
The BOBCARD Eterna features: 3.75% value back (15 RPs per ₹100) on online shopping, travel, dining, and international spends.
Base reward: 3 Reward Points per ₹100 spent on generic retail (0.75% return).
Accelerated reward: 15 Reward Points per ₹100 on travel, dining, online shopping, and international spends (capped at 5,000 accelerated points/statement cycle).
Reward points can be redeemed directly via the BOBCARD Limited (Bank of Baroda) netbanking portal or mobile app for statement cash credit, flight tickets, hotel bookings, or brand shopping vouchers.
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Ready to Apply for the BOBCARD Eterna?
Check your pre-approved credit limit and instant approval eligibility across BOBCARD Limited (Bank of Baroda) with 100% paperless verification and zero score impact.