BOBCARD Eterna Credit Card
The BOBCARD Eterna Credit Card is Bank of Baroda's premium flagship card, offering unlimited complimentary domestic airport lounge access, 4 international Priority Pass lounge visits annually, and 10 Reward Points per ₹100 on international spends and dining.
Online Shopping Fit Score
84/100
Joining Fee
₹2,499
Annual Fee
₹2,499
Reward Rate (%)
0.75 – 15
3 pts/₹100 · ₹0.25/pt
Forex Markup
2%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
20/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
BOBCARD Eterna Credit Card Benefits
BOBCARD Eterna Credit Card 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
BOBCARD Eterna Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
BOBCARD Eterna Credit Card Lounge Access
Airport perks included with this card
Unlimited Visits
Domestic airport lounge access
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
BOBCARD Eterna Credit Card Eligibility
Employment type
Pros & Cons
- 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
- 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
Data last updated 10 Aug 2026
Calculate your exact earnings with BOBCARD Eterna Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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