Rewards
BOBCARD Eterna Credit Card
Bank of Baroda’s premium card: about 3.75% back on travel, dining, online shopping and international spends, a 2% forex markup and unlimited domestic lounges.
Joining fee₹2,499 + GST
Annual fee₹2,499 + GST
Fee waiverOn ₹2.5 lakh spend a year
Top reward15 points per ₹100
LoungeUnlimited domestic (spend-based)
Forex markup2%
Best for: People spending ₹30,000 to ₹50,000 a month online, on dining and travel.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Travel, dining, online shopping, international | 15 points per ₹100 (about 3.75%) | 5,000 points a month |
| Other spends | 3 points per ₹100 (about 0.75%) | – |
| Fuel, wallet loads and some other categories | Nothing | – |
- 1 point = ₹0.25 as statement credit, vouchers or travel.
- Redemption choices are more limited than at bigger banks.
Benefits
Welcome benefit
- 10,000 points (about ₹2,500) on ₹50,000 spend in 60 days.
- Joining fee refunded on ₹25,000 spend in 60 days.
Milestones
- 20,000 points (about ₹5,000) on ₹5 lakh yearly spend.
Travel and lounges
- Unlimited domestic lounge visits with ₹75,000 spend in the previous quarter.
Fuel and forex
- Forex markup 2% + GST.
- 1% fuel surcharge waiver on ₹400 to ₹5,000, up to ₹250 a cycle.
Other perks
- Movies: buy one get one on District, up to ₹250 a month
- RuPay version works on UPI
Fees and charges
| Joining fee | ₹2,499 + GST (₹2,949), refunded on ₹25,000 spend in 60 days |
|---|---|
| Annual fee | ₹2,499 + GST, waived on ₹2.5 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 2% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 25 to 55
- Salaried: ₹12 lakh a year
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- High 3.75% on popular categories
- Easy joining fee refund
- Low 2% forex markup
Watch out for
- High-earn categories capped at 5,000 points a month
- Lounges need ₹75,000 a quarter
- Insurance and golf removed
Recent changes
- 15 Jul 2026Lounge spend rule raised to ₹75,000 a quarter; interest raised to 3.75% a month; insurance withdrawn.
- 1 Apr 20261% fee on tolls, high-value rail and education payments.
- 1 Jan 2025Golf benefit discontinued.
Frequently asked questions
Is BOBCARD Eterna free?
The joining fee is refunded on ₹25,000 spend in 60 days and the annual fee is waived on ₹2.5 lakh yearly spend.
Ready to apply for the BOBCARD Eterna Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.