The BOBCARD Eterna Credit Card is the premium lifestyle card from BOBCARD, Bank of Baroda’s card company. It earns 15 reward points per ₹100 on dining, travel, online shopping and international spends, worth about 3.75% back, along with unlimited domestic lounge access and a low 2% forex markup. Right now it is also first year free.
How the rewards work
| Trigger | What you earn | Cap |
|---|---|---|
| Dining, travel, online shopping, international spends | 15 points per ₹100 (about 3.75%) | 5,000 points per statement cycle |
| ₹50,000 spend in the first 60 days | 10,000 bonus points (₹2,500) | Once |
| ₹5 lakh annual spend | 20,000 bonus points (₹5,000) | Once a year |
| ₹10,000 spend in the first 30 days | 12-month FITPASS PRO membership | Once |
Point value: 1 reward point = ₹0.25. The 5,000-point cycle cap (₹1,250) is reached at about ₹33,000 of spending in the accelerated categories each cycle.
What you would actually earn
Spend ₹25,000 a month on restaurants, travel and online shopping and you earn 3,750 points, about ₹940 a month, comfortably under the cap. Over a year that is roughly ₹11,250, and at ₹3 lakh in yearly spend you would also clear the ₹2.5 lakh fee waiver. Hit ₹5 lakh and the 20,000-point milestone adds another ₹5,000.
Travel and lifestyle perks
- Lounges: unlimited complimentary domestic airport lounge access when you meet the spend criteria.
- Forex: a low 2% markup on international transactions, and those spends also earn 15 points per ₹100.
- Movies: buy 1, get 1 free movie ticket every month on the District app.
- Fitness: 12-month FITPASS PRO membership, stated as worth ₹48,000.
Because the first year is free, the main thing to plan is year two: if you are on course to spend ₹2.5 lakh in the year, the ₹2,499 fee is waived and the card keeps costing nothing.
Fees and charges
| Joining fee | Free (first year free, limited-time offer) |
|---|---|
| Annual fee | ₹2,499 + GST |
| Annual fee waiver | Spend ₹2,50,000 or more |
| Forex markup | 2% |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Minimum income | ₹12 lakh a year |
| Credit score | 650 or above |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
How to apply
- Tap Apply on BOBCARD site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you earn ₹12 lakh+ a year and spend ₹20,000 or more a month on dining, travel and online shopping. With the first year free, there is little risk in trying it.
Skip it if most of your spending is offline groceries and bills. The 3.75% rate applies only to the four accelerated categories.
