Best BOB Credit Card 2026: Lifetime Free, Lounge Access and More

Best BOB Credit Cards 2026

BOBCARD, the credit card arm of Bank of Baroda, has several cards, but only a few are worth applying for. This guide ranks the 6 best BOB credit cards in October 2026: Eterna, Scapia, Premier, Etihad Guest Premium, Select and Easy. Every fee, reward rate and benefit below comes from the official BOBCARD website and its official documents, including the 15 July 2026 features and rewards terms and the 17 July 2026 Key Fact Statement. BOBCARD has revised several benefits this year, so check the changes flagged under each card before you apply.

Best BOB Credit Cards 2026: Quick Comparison

The BOBCARD website currently shows a ₹0 joining fee on Eterna, Premier, Select and Easy as a limited period offer from 1 September 2026, with no end date stated. Annual fees apply from the second year. Source: bobcard.co.in (October 2026)

1. BOB Eterna Credit Card: Best Overall BOB Credit Card

The BOB Eterna is BOBCARD’s flagship lifestyle card. It earns 15 reward points per ₹100 on dining, travel and international spends, which works out to 3.75% at ₹0.25 per point. One change matters before you apply: from 1 October 2026, unlimited domestic lounge access needs a net spend of at least ₹75,000 in the previous calendar quarter. The earlier threshold was ₹40,000.

• Fees: ₹2,499 annual fee, waived on ₹2,50,000 spend in the previous anniversary year. The ₹0 joining fee is a limited period offer.
• Rewards: 15 RP per ₹100 on dining, travel and international spends, capped at 5,000 accelerated RP per statement cycle. Other spends earn 3 RP per ₹100. 1 RP = ₹0.25.
• Lounge: Unlimited domestic lounge access on net spend of ₹75,000 or more in the preceding calendar quarter, with a 5-hour gap between visits.
• Milestones: 10,000 RP on spending ₹50,000 within 60 days of issuance, and 20,000 RP on spending ₹5,00,000 in an anniversary year.
• Welcome benefit: 12-month FITPASS PRO membership on spending ₹10,000 within 30 days, for cards issued on or after 1 August 2026.
• Other perks: Buy-one-get-one movie tickets on District (up to ₹250 a month), and 1% fuel surcharge waiver on ₹400 to ₹5,000 transactions (maximum ₹250 per cycle).
• Forex and finance charges: 2% foreign currency markup. Finance charges are 45% a year.
• Eligibility: Indian resident, age 25 to 55, net annual income above ₹12 lakh.

Source: bobcard.co.in Eterna product page, BOBCARD Features and Rewards T&C (15 July 2026), BOBCARD Key Fact Statement (October 2026). Read our full BOB Eterna review.

2. BOB Scapia Credit Card: Best Lifetime Free BOB Credit Card

The BOB Scapia is the only BOBCARD with nil joining and annual fees, and it carries a 0% foreign currency markup. The application is fully digital through the Scapia app, and a virtual card is issued instantly. Rewards come as Scapia Coins that you spend on travel inside the Scapia app, so the card suits people who book flights and stays there.

• Fees: Nil joining fee and nil annual fee. Add-on cards are not offered.
• Travel bookings: 20% rewards on flights, stays, visas, trains and buses booked on the Scapia app.
• Visa variant: 10% rewards on select offline and online categories, minimum transaction ₹20.
• RuPay variant: 5% rewards on offline, online and UPI spends, minimum transaction ₹500.
• Redemption: Scapia Coins can be used for travel on Scapia, covering up to 100% of a booking.
• Lounge: Unlimited domestic lounge access on ₹20,000 monthly spend. Domestic airport privileges worth up to ₹1,000, and international airport privileges worth up to ₹2,000 on international bookings above ₹50,000 made on the Scapia app.
• Forex markup: 0%.
• Not rewarded: Wallet loads, education, fuel, government services, professional services, real estate, rentals, business services, insurance and utilities.
• Eligibility: Indian resident, age 21 to 60, salaried or self-employed. PAN is mandatory.

Source: bobcard.co.in Scapia product page and BOBCARD Scapia MITC (October 2026)

3. BOB Premier Credit Card: Best Mid-Range BOB Credit Card

The BOB Premier earns 10 reward points per ₹100 on travel, dining and international spends, worth 2.5% at ₹0.25 per point. It has a lower income bar than Eterna and an easier annual fee waiver at ₹1,20,000 of spend.

• Fees: ₹1,000 annual fee from the second year, waived on ₹1,20,000 spend in the previous anniversary year. The ₹0 joining fee is a limited period offer.
• Rewards: 10 RP per ₹100 on travel, dining and international spends, capped at 2,000 RP per statement cycle. Other spends earn 2 RP per ₹100. 1 RP = ₹0.25.
• Lounge: 1 complimentary airport lounge visit per calendar quarter.
• Welcome benefit: 500 bonus RP on spending ₹5,000 within 60 days of issuance.
• Other perks: 1% fuel surcharge waiver on ₹400 to ₹5,000 transactions (maximum ₹250 per cycle), up to 3 lifetime free add-on cards, and Smart EMI on purchases above ₹2,500.
• Eligibility: Indian resident, salaried or self-employed, net annual income above ₹7.2 lakh, age 25 to 55.

Source: bobcard.co.in Premier product page (October 2026)

4. BOB Etihad Guest Premium Credit Card: Best for Etihad Flyers

The BOB Etihad Guest Premium is BOBCARD’s premium travel card. It earns Etihad Guest Miles instead of reward points, carries a 0% forex markup, and is the only BOBCARD with international lounge access. For customers onboarded between 1 October and 15 November 2026, BOBCARD is offering 15,000 bonus miles on spending ₹50,000 within 65 days of issuance, with the joining fee paid.

• Fees: ₹5,000 + GST joining and annual fee, waived on ₹5,00,000 spend in each anniversary year. The joining fee is not reversed.
• Miles: 6 Etihad Guest Miles per ₹100 on Etihad Airways spends, and 2 miles per ₹100 on all other domestic and international spends.
• Welcome offer (1 October to 15 November 2026): 10,000 bonus miles plus an extra 5,000 miles on spending ₹50,000 within 65 days of issuance, with the joining fee paid. Miles are credited in the next statement after 65 days, and a wrong Etihad Guest number cannot be corrected later.
• Milestones: 500 bonus miles a month on 4 transactions totalling ₹50,000, and 4,000 bonus miles a quarter on ₹3,00,000 spend.
• Lounge: 12 domestic visits (3 per quarter) and 8 international visits (2 per quarter) each year.
• Forex markup: 0%.
• Fuel: 1% surcharge waiver on ₹500 to ₹5,000 transactions (maximum ₹250 per cycle). No reward miles on fuel.
• Eligibility: Indian resident, age 21 to 60, salaried or self-employed.

Source: bobcard.co.in Etihad Guest Premium product page and BOBCARD offer terms and conditions for 1 October to 15 November 2026 (October 2026)

5. BOB Select Credit Card: Best for Online Shopping and Dining

The BOB Select is an entry-level rewards card for online shoppers and regular diners. It earns 5 reward points per ₹100 on online and dining spends, worth 1% at ₹0.20 per point. It has no lounge access, so it suits everyday spending rather than travel.

• Fees: ₹750 annual fee from the second year, waived on ₹70,000 spend in the previous anniversary year. The BOBCARD website shows a ₹0 joining fee as a limited period offer, while the Key Fact Statement dated 17 July 2026 lists a ₹750 joining fee, waived if you spend ₹7,500 in the first 60 days.
• Rewards: 5 RP per ₹100 on online and dining spends, capped at 1,000 RP per statement cycle. Other spends earn 1 RP per ₹100. 1 RP = ₹0.20.
• Welcome benefit: 500 bonus RP on spending ₹5,000 within 60 days of issuance.
• Reward validity: Points expire if not redeemed within 2 years.
• Other perks: 1% fuel surcharge waiver on ₹400 to ₹5,000 transactions (maximum ₹250 per cycle), up to 3 lifetime free add-on cards, and Smart EMI on purchases above ₹2,500.
• Insurance change: BOBCARD’s 15 July 2026 revision notice removes accident cover on Select cards issued after 15 July 2026.
• Eligibility: Indian resident, age 25 to 55.

Source: bobcard.co.in Select product page, BOBCARD Key Fact Statement (17 July 2026), BOBCARD revision notice (15 July 2026)

6. BOB Easy Credit Card: Best Starter BOB Credit Card

The BOB Easy has the lowest annual fee in the BOBCARD range at ₹500, waived on just ₹35,000 of annual spend, which is under ₹3,000 a month. It earns 5 reward points per ₹100 on department stores and movies, worth 1% at ₹0.20 per point.

• Fees: ₹500 annual fee from the second year, waived on ₹35,000 spend in the previous anniversary year. The ₹0 joining fee and first-year fee is a limited period offer.
• Rewards: 5 RP per ₹100 on department stores and movies, capped at 1,000 RP per statement cycle. Other spends earn 1 RP per ₹100. 1 RP = ₹0.20. No points on fuel.
• Welcome benefit: 500 bonus RP on spending ₹5,000 within 60 days of issuance.
• Other perks: 1% fuel surcharge waiver on ₹400 to ₹5,000 transactions (maximum ₹250 per cycle), up to 3 lifetime free add-on cards, a contactless chip, and Smart EMI on purchases above ₹2,500.
• Eligibility: Indian resident, age 25 to 55.

Source: bobcard.co.in Easy product page (October 2026)

BOB Eterna vs BOB Premier: Which Is Better?

These two are the most compared BOB cards. Eterna pays more and gives better lounge access, but it costs more and needs a higher income. Premier is the cheaper, easier-to-get option.

Source: bobcard.co.in Eterna and Premier product pages (October 2026)

Best BOB Credit Card by Need

• Best BOB credit card for lounge access: BOB Eterna for unlimited domestic lounges if you spend ₹75,000 a quarter. BOB Etihad Guest Premium if you also want international lounge visits.
• Best lifetime free BOB credit card: BOB Scapia, which has nil joining and annual fees. This is the BOBCARD-issued Scapia, not the Axis Bank Scapia card.
• Best BOB credit card for travel: BOB Scapia for Scapia app bookings with 0% forex, BOB Etihad Guest Premium for Etihad flyers, and BOB Premier for mid-range travel and dining.
• Best BOB credit card for online shopping: BOB Select, with 5 RP per ₹100 on online and dining spends.
• Best BOB credit card for students and first-time users: BOB Easy, with a ₹500 fee waived on ₹35,000 of annual spend. Check the age and income rules first, since BOBCARD sets an age range of 25 to 55 on Easy.
• Best BOB credit card for dining, travel and everyday bills: BOB Eterna, if you spend ₹75,000 or more a quarter.

For all seven BOBCARD consumer cards side by side, including Tiara, see our BOB credit cards comparison.

Earn by Sharing BOB Credit Cards on PickMyWork

PickMyWork partners earn a payout on every approved BOB credit card application they refer. Share the card that matches your audience, such as Scapia for frequent travellers or Eterna for high spenders.

Related Reads

1. BOB Credit Cards 2026: All Cards Compared
2. BOB Eterna Credit Card Review 2026
3. Lifetime Free Credit Cards in India 2026
4. Best Credit Cards for Diwali 2026

Frequently Asked Questions

1. Which is the best BOB credit card in 2026?
   The BOB Eterna is the best overall BOBCARD for high spenders, with 15 reward points per ₹100 on dining, travel and international spends. The BOB Scapia is the best lifetime free option, with nil joining and annual fees and a 0% forex markup.
2. Which is the best BOB credit card for lounge access?
   The BOB Eterna offers unlimited domestic lounge access if you spend at least ₹75,000 in the previous calendar quarter. The BOB Etihad Guest Premium is the only BOBCARD with international lounge visits, with 8 a year plus 12 domestic.
3. Which BOB credit card is lifetime free?
   The BOB Scapia has nil joining and annual fees. Other cards show a ₹0 joining fee as a limited period offer, but they still have annual fees from the second year.
4. BOB Eterna vs BOB Premier: which is better?
   Eterna earns 15 RP per ₹100 on dining, travel and international spends against Premier’s 10 RP, and gives unlimited domestic lounge access against Premier’s 1 visit a quarter. Premier costs ₹1,000 a year against ₹2,499 and needs a lower income of ₹7.2 lakh against ₹12 lakh.
5. Which BOB credit card has no annual fee?
   The BOB Scapia has nil joining and annual fees. Other BOB cards have annual fees that are waived on spend thresholds, such as ₹35,000 a year for Easy and ₹70,000 a year for Select.
6. Does the BOB Eterna have unlimited lounge access?
   Yes, but with a spend condition. Unlimited domestic lounge access needs net spend of at least ₹75,000 in the previous calendar quarter, and there is a 5-hour gap between visits. BOBCARD raised the threshold from ₹40,000 to ₹75,000 from 1 October 2026.
7. What is the reward point value on BOB credit cards?
   On Eterna and Premier, 1 reward point is worth ₹0.25 as cashback. On Select and Easy, 1 reward point is worth ₹0.20. Etihad Guest Premium earns Etihad Guest Miles, and Scapia earns Scapia Coins for travel on the Scapia app.
8. Which BOB credit card has 0% forex markup?
   The BOB Scapia and the BOB Etihad Guest Premium both carry a 0% foreign currency markup. Eterna charges 2%.
9. Which BOB credit card is best for a first-time user?
   The BOB Easy is the most accessible, with a ₹500 annual fee that is waived on ₹35,000 of annual spend. The BOB Select is a step up for online shoppers and diners, with a ₹750 fee waived on ₹70,000 of spend.
10. What is the minimum income for a BOB credit card?
    The BOB Eterna needs a net annual income above ₹12 lakh and the BOB Premier needs above ₹7.2 lakh. BOBCARD does not state a minimum income for Easy, Select, Scapia or Etihad Guest Premium on its product pages.
11. Is the BOB Etihad Guest Premium welcome offer still open?
    For customers onboarded between 1 October and 15 November 2026, BOBCARD offers 15,000 bonus miles on spending ₹50,000 within 65 days of issuance, with the joining fee paid.

Also searched for: best BOB credit card 2026, BOBCARD Eterna benefits, BOB Scapia credit card review, BOB Premier credit card fees, BOB Etihad Guest Premium miles, BOB Select vs BOB Easy, Bank of Baroda credit cards list, BOB credit card lounge access, lifetime free BOB credit card.