BOB Eterna Credit Card Review 2026 — Unlimited Lounge Access, 5X Rewards

The BOB Eterna credit card, officially called BOBCARD ETERNA, is a premium lifestyle credit card issued by BOBCARD Limited, the credit card subsidiary of Bank of Baroda. It is currently available as a lifetime free card with zero joining and annual fee as part of a limited-period offer from BOBCARD. When the standard fee applies, it is Rs. 2,499 each, reversible by meeting a spend milestone, and offers unlimited complimentary domestic airport lounge access, 15 reward points per Rs. 100 on dining, travel, and international spends, and a 6-month FITPASS Pro gym membership worth Rs. 15,000 as a welcome gift. This review is based only on the official Bank of Baroda product page and the official BOBCARD product page, so every figure here is verifiable directly with the issuer.

BOB Eterna Credit Card — Key Details at a Glance

How the Fee Reversal Actually Works

Note: The BOB Eterna is currently available as a lifetime free card with no joining or annual fee as part of a limited-period promotional offer from BOBCARD. The fee reversal mechanism below applies when the standard Rs. 2,499 fee resumes. Verify current fee status at bobcard.co.in before applying.

• Joining fee reversal: Spend Rs. 25,000 within the first 60 days of card issuance and your joining fee is reversed. The reversal reflects in your 4th bill statement counted from the card issuance month, provided you have no outstanding dues.
• Annual fee reversal: Spend Rs. 2,50,000 in each card anniversary year and your annual fee for that year is reversed. This applies only to non-delinquent cardholders, meaning your account must be in good standing with no missed payments.
• Do not confuse this with the milestone reward: The Rs. 25,000/60-day spend threshold for fee reversal is separate from the Rs. 50,000/60-day threshold that earns 10,000 bonus reward points. These are two different benefits that both require early spending but at different amounts.

Reward Points — How the 5X Rate and the Cap Work Together

The BOB Eterna’s 15 points per Rs. 100 rate on dining, travel, and international spends looks strong on paper, but the cap changes the real-world return significantly once you spend past a certain point in a billing cycle.

• Accelerated rate: 15 reward points per Rs. 100 spent on dining, travel, and international transactions, confirmed on BOBCARD’s official page as “5X Rewards.”
• The cap: This accelerated rate is capped at 5,000 reward points per statement cycle across the mentioned categories combined. Once you cross that cap within a billing cycle, further spending in those same categories earns points at the regular base rate of 3 per Rs. 100, not 15.
• What this means in rupees: At 15 points per Rs. 100, you reach the 5,000 point cap once you have spent approximately Rs. 33,333 in eligible categories in a single statement cycle. Any further eligible spending in that same cycle earns only the base 3 points per Rs. 100.
• Fuel is fully excluded: BOBCARD’s official terms state explicitly that no reward points are earned on fuel transactions at all, at either the accelerated or base rate.
• Redemption: Every reward point redeems for Rs. 0.25 in cashback, confirmed on Bank of Baroda’s official page. This makes the effective cashback rate 3.75% on accelerated categories (up to the cap) and 0.75% on all other spends.

What This Blog Cannot Confirm From Official Sources

Several widely repeated claims about the BOB Eterna card could not be verified from either the Bank of Baroda or BOBCARD official product pages, and are excluded here rather than stated as fact.

• Exact lounge access spend threshold: Both official pages confirm “unlimited complimentary domestic airport lounge access” but link out separately to network-specific terms for Mastercard, Visa, and RuPay cardholders, which were not accessible during this research. Any specific quarterly spend figure quoted elsewhere should be verified directly against your card’s specific network variant terms before relying on it.
• Lifetime free promotional offer status: Some sources reference a limited-period lifetime free offer for new customers. Neither official page fetched during this research confirmed an active lifetime free promotional period or its exact expiry date. Confirm current fee status directly on the BOBCARD or Bank of Baroda application page before applying.
• Golf benefits: BOBCARD’s official page mentions golf course access under “Experience the Privileged Life” with separate terms linked for each network variant, but exact visit counts or course lists were not accessible during this research.
• Movie ticket offers: Neither official page fetched confirmed a specific movie ticket discount programme. If this benefit is active, verify current terms on the BOBCARD official website before applying.

Who Should Get the BOB Eterna Credit Card

• Frequent domestic travellers: Unlimited complimentary domestic lounge access, confirmed on both official pages, is a genuinely strong benefit for anyone flying domestically on a regular basis, especially on a card with a moderate joining fee that can be reversed entirely through normal spending.
• Households with strong dining, travel, and online spending: The 15 points per Rs. 100 accelerated rate on these categories, up to the Rs. 33,000-ish monthly spend cap, delivers a genuinely competitive 3.75% effective return, confirmed directly by BOBCARD.
• Anyone who values a low forex markup: At 2%, the BOB Eterna’s foreign currency markup is lower than the 3.5% typically seen on many premium cards, making it a reasonable secondary card for international spending.
• Not ideal for: Anyone whose income is below the Rs. 12 lakh per annum eligibility threshold, or anyone who relies heavily on fuel spending for card rewards, since fuel earns no reward points at all on this card.

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4. Best UPI Credit Cards in India 2026
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Frequently Asked Questions — BOB Eterna Credit Card

1. What is the BOB Eterna credit card?
   The BOB Eterna credit card, officially BOBCARD ETERNA, is a premium lifestyle credit card issued by BOBCARD Limited, the credit card subsidiary of Bank of Baroda. It charges Rs. 2,499 joining and annual fees, both reversible on meeting spend milestones, and offers unlimited complimentary domestic airport lounge access, 15 reward points per Rs. 100 on dining, travel, and international spends, and a 6-month FITPASS Pro gym membership as a welcome gift. It is available on Mastercard, Visa, and RuPay networks.
2. How do I get my BOB Eterna joining fee reversed?
   Spend Rs. 25,000 within the first 60 days of receiving your BOB Eterna credit card to get your joining fee of Rs. 2,499 reversed, confirmed on BOBCARD’s official page. The reversal reflects in your 4th bill statement from the card issuance month, provided your account has no outstanding dues. Note that the GST component on the fee is not reversed.
3. How does the annual fee reversal work on BOB Eterna?
   Spend Rs. 2,50,000 in each card anniversary year to get that year’s annual fee of Rs. 2,499 reversed, confirmed on BOBCARD’s official page. This is applicable only to cardholders in good standing with no delinquent payments.
4. What is the reward points cap on the BOB Eterna credit card?
   The accelerated rate of 15 reward points per Rs. 100 on dining, travel, and international spends is capped at 5,000 reward points per statement cycle across these combined categories, confirmed on BOBCARD’s official page. Beyond this cap, further spending in the same categories within that billing cycle earns the base rate of 3 points per Rs. 100 instead.
5. Does the BOB Eterna credit card earn rewards on fuel purchases?
   No. Both Bank of Baroda’s and BOBCARD’s official pages explicitly state that no reward points are earned on fuel transactions. The card does offer a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 per statement cycle, but this is a surcharge waiver, not a reward.
6. What is the eligibility criteria for the BOB Eterna credit card?
   You must be an Indian resident between the ages of 21 and 65 (primary cardholder) with a minimum annual income above Rs. 12 lakh, either salaried or self-employed, confirmed on BOBCARD’s official page. Add-on cardholders must be above 18 years of age.
7. How do I redeem BOB Eterna reward points?
   Reward points can be redeemed for cashback at a fixed rate of 1 reward point equals Rs. 0.25, confirmed on Bank of Baroda’s official page. Redemption is done through BOBCARD’s reward redemption portal or app, and points can also be redeemed for other categories of expenditure available on the platform.

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