BOBCARD ETERNA Credit Card benefits
- Rewards15
reward points per ₹100 (3.75%) on dining, travel, international and online
- Rewards3
reward points per ₹100 on other spends
- Lounge
Unlimited domestic airport lounge access, subject to eligibility
- Rewards30,000
bonus points across two spend milestones
Good to know
- 2% foreign currency markup
- No joining fee; ₹2,499 annual fee waived on ₹2.5 lakh
BOBCARD ETERNA Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Dining and food delivery5X: 15 reward points per ₹100. All 5X spends share a limit of 5,000 points per statement cycle, then earn 3 points per ₹100. | 15 points per ₹100 | 5,000 |
| Travel5X on travel and international spends. Shares the 5,000 point limit. | 15 points per ₹100 | 5,000 |
| Online shopping5X on online spends. Shares the 5,000 point limit. | 15 points per ₹100 | 5,000 |
| Everything else | 3 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, and the merchant categories BOBCARD lists in its reward terms.
All reward rules
- 1 reward point = ₹0.25 when redeemed as cashback, so 5X spends give 3.75% and other spends 0.75%.
- Milestones: 10,000 bonus points on spending ₹50,000 in the first 60 days, and 20,000 bonus points on spending ₹5 lakh in a year.
- Welcome benefit: a 12-month FITPASS PRO membership on spending ₹10,000 within 30 days, for cards issued on or after 1 August 2026.
- Buy-one-get-one movie tickets, up to ₹250 a month.
What the BOBCARD ETERNA Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.75% | ₹270 |
| Dining and food delivery | ₹2,000 | 3.75% | ₹900 |
| Online shopping | ₹18,000 | 3.75% | ₹8,100 |
| Travel | ₹1,000 | 3.75% | ₹450 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.75% | ₹180 |
| Everything else | ₹3,000 | 0.75% | ₹270 |
| Total | ₹30,000 | ₹10,170 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹10,170* |
That is ₹8,610 a year more than the IDFC FIRST Wealth Credit Card on the same spending.
BOBCARD ETERNA Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- ₹2,499
- Fee waiver
- ₹2,50,000 a year
- Foreign currency markup
- 2%
From 1 September 2026, BOBCARD charges no joining or first-year fee. From the second year, the ₹2,499 annual fee is waived if you spend ₹2.5 lakh in the previous card year. Fees are before GST.
Fuel surcharge: 1% fuel surcharge waiver on transactions from ₹400 to ₹5,000, up to ₹250 per statement cycle.
BOBCARD ETERNA Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹12,00,000 a year
- Self-employed income
- ₹12,00,000 a year
Salaried or self-employed residents of India with an income of ₹12 lakh a year or more.
The bank alone decides approval and your credit limit.
BOBCARD ETERNA Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
BOBCARD offers unlimited complimentary access to domestic airport lounges, subject to its eligibility criteria. We do not count it as a fixed number of visits.
Is the BOBCARD ETERNA Credit Card right for you?
A card with a ₹2,499 fee that spending can waive, paying 3.75% on dining and food delivery and an average 0.75% elsewhere.
Worth its fee if you spend about ₹9,000 a month or more. Below that, the ₹2,499 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on dining and food delivery: the card pays 3.75% back there, against 0.75% on most other spends.
- You spend ₹2,50,000 a year or more (about ₹20,900 a month), so the ₹2,499 renewal fee is waived.
- You pay in foreign currency, abroad or on foreign websites: the markup is 2%, against a typical 3.5% on the cards we list.
Not for you if
- You spend less than about ₹20,900 a month: you would pay ₹2,949 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to BOBCARD ETERNA Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
| IDFC FIRST Wealth Credit Card | Free | 1.25% | ₹1,755* |
| HDFC Bank Diners Club Black Metal Edition Credit Card | ₹10,000 | 6.67% | -₹1,011* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the BOBCARD ETERNA?
From 1 September 2026 there is no joining or first-year fee. From the second year the annual fee is ₹2,499 plus GST, waived if you spend ₹2.5 lakh in the previous card year.
How much is an ETERNA reward point worth?
1 reward point is worth ₹0.25 when redeemed as cashback. You earn 15 points per ₹100 on dining, travel, international and online spends (3.75%), and 3 points per ₹100 elsewhere (0.75%).
Is there a limit on 5X rewards?
Yes. 5X spends together can earn up to 5,000 reward points per statement cycle. After that, those spends earn the regular 3 points per ₹100.
Does the BOBCARD ETERNA give lounge access?
Yes. BOBCARD offers unlimited complimentary access to domestic airport lounges, subject to its eligibility criteria. Check the lounge list and conditions on BOBCARD's site.
Who can apply for the BOBCARD ETERNA?
Residents of India aged 21 to 65, salaried or self-employed, with an income of ₹12 lakh a year or more.