BOBCARD Eterna Credit Card
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BOBCARD Eterna Credit Card

Visa
Premium

Your rating

Community rating

Best for BOB's flagship — 10 RP per ₹100 on intl/dining, unlimited domestic lounge

Joining Fee

₹2,499

Annual Fee

₹2,499

Reward Rate

0.75% – 15%

Forex Markup

2%

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

Key Benefits

15 reward points per ₹100 on online shopping
15 reward points per ₹100 on dining spends
15 reward points per ₹100 on travel spends
15 reward points per ₹100 on international spends
3 reward points per ₹100 on other eligible spends
Unlimited domestic airport lounge access
Low 2% forex markup fee
Buy 1 Get 1 movie ticket offer via District (up to ₹250/month)
Complimentary FitPass Pro membership
Personal accident cover up to ₹1 crore for air accidents

Rewards

How you earn back on every swipe

points

Reward type

0.75% – 15%

Earn rate

3

Points / ₹100

₹0.25

Per point

₹1,250

Monthly cap

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹2,499
Annual fee₹2,499
Fee waiver on annual spend₹2,50,000
Interest rate (APR)42%
Late payment fee (max)₹1,300
Cash advance fee2.5%
Forex markup2%
Fuel surcharge waiverYes (₹400–₹5000)

Things to Keep in Mind

  • fuel transactions earn no reward points
  • select MCCs excluded from rewards
  • complimentary lounge access requires minimum spend from 1 Jan 2025

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹1,00,000/month
CIBIL score750+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Strong 3.75% reward rate on key categories
  • Unlimited domestic lounge access
  • Low 2% forex markup
  • Rewards on international spending
  • Valuable welcome benefits
  • Decent milestone reward at ₹5 lakh spend
  • Free add-on cards
  • Good premium travel and lifestyle card
Cons
  • No international lounge access
  • Reward redemption fee applicable
  • Reward points worth only ₹0.25 each
  • Accelerated rewards capped monthly
  • Lounge access requires spend qualification
  • No golf benefits
  • High finance charges if balance is revolved
  • Limited value for low-spend users

Who is this card for?

Frequent diners and international travellers who want a Bank of Baroda premium card with unlimited domestic lounge access and competitive rewards on dining and international spends.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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