BOBCARD Eterna Credit Card Review (2026)

Quick verdict: The BOBCARD Eterna Credit Card is best for lounge access & rewards. It earns 15 RP per Rs 100 on key categories, with an annual fee of Rs 2,499 (LTF offer / waiver on Rs 2.5L). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The BOBCARD Eterna (Bank of Baroda) is a rewards-and-lounge card that has been popular thanks to a recurring lifetime-free offer and unlimited domestic lounge access on a modest spend condition.

It earns a strong 15 reward points per Rs 100 on online, dining, travel and international spends, with air-accident insurance and movie offers rounding it out.

Fees & Charges

Rewards & Benefits

• 15 reward points per Rs 100 on online shopping, dining, travel and international spends (about 3.75%).
• Unlimited domestic airport lounge access on meeting a Rs 40,000 quarterly spend.
• Buy 1 Get 1 movie tickets (up to Rs 250 a month) via the District app.
• Air accident insurance up to Rs 1 crore and non-air accident cover up to Rs 10 lakh.
• Low 2% forex markup and a 1% fuel surcharge waiver.

Pros & Cons

Who Should Get This Card?

• People who want unlimited domestic lounges
• Online and travel spenders
• Those who can grab the lifetime-free offer

Frequently Asked Questions

How to Get the Most from the BOBCARD Eterna Credit Card

• Use it where it is strongest — lounge access & rewards — where it earns 15 RP per Rs 100 on key categories; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Rs 2,499 (LTF offer / waiver on Rs 2.5L)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on Bank of Baroda (BOBCARD) and the card variant, but for the BOBCARD Eterna Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing Bank of Baroda (BOBCARD) customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 15 RP per Rs 100 on key categories. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

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Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

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• American Express Membership Rewards Credit Card — Rewards accumulation