BOBCARD Eterna Credit Card Review: 3.75% Online Earn, 2% Forex

BOBCARD Eterna earns 15 points per ₹100 on online, international, dining and travel spends, worth 3.75% at 25 paise a point, up to 5,000 points a statement cycle, and charges 2% on foreign currency. Its ₹2,499 plus GST annual fee is waived on ₹2.5 lakh of yearly spend, but since 1 October 2026 its unlimited domestic lounge access needs ₹75,000 of spend in the previous quarter.

By Abhishek Kumar · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹2,499 + GST
Annual fee: ₹2,499 + GST. First-year fee waived on INR 25,000 spends in the first 60 days (else levied in the third statement); annual fee waived on INR 2,50,000 spends in the anniversary year
Base reward: 3 reward points per INR 100 on other eligible categories (about 0.75% value)
Best category: Online, international, dining and travel: about 3.75% value
Lounge: Domestic: Unlimited complimentary domestic airport lounge access International: None listed
Forex markup: 2% of the amount
Network: Not stated by the bank

Apply on BOBCARD's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A strong card for people who spend heavily online, on dining and on travel, as long as they can live without grocery points and international lounges.

Best for

Online shoppers and diners who fill the 5X categories each statement cycle
Travellers who spend abroad and want a 2% forex markup
Earners above ₹12 lakh a year who reach ₹2.5 lakh of yearly spend for the fee waiver

Skip it if

Groceries and supermarket bills are your largest spend, since they earn no points
You want international lounge access, which Eterna does not list
Your income is below ₹12 lakh a year, the published floor

Highlights

Annual fee ₹2,499 plus GST, waived on ₹2.5 lakh of spend
15 points per ₹100 on online, international, dining and travel
Points worth 25 paise as cashback and they do not expire
Forex markup 2% plus GST
Unlimited domestic lounges after ₹75,000 of spend a quarter

What BOBCARD Eterna is, and who it is for

Eterna is the premium rewards card of BOBCARD Limited, the card subsidiary of Bank of Baroda. It earns 3 points per ₹100 on most eligible spends and 15 points per ₹100, which BOBCARD calls 5X, on online shopping, international spends, dining and travel. At the 25 paise a point it pays as statement cashback, that is 0.75% and 3.75%. The card is active and BOBCARD takes applications online. BOBCARD doesn't name Eterna's card network on the card page, KFS or MITC, so check whether a RuPay version for UPI is offered before you count on it.

It is built for a earner above ₹12 lakh a year whose money goes on apps, restaurants and trips, not on the supermarket, which earns nothing here.

Three things that matter most

The 5X cap. Bonus points stop at 5,000 a statement cycle, which about ₹33,333 of 5X spend fills (5,000 divided by 15, times ₹100). After that, those spends earn the regular 3 points.
The fee and its waiver. ₹2,499 plus GST a year, waived on ₹2,50,000 of spend in the card anniversary year. A limited-period ₹0 joining fee offer also runs on the card page.
The travel side. A 2% forex markup and unlimited domestic lounges, but only after ₹75,000 of spend in the previous quarter. No international lounge is listed.

What changed in 2026

1 April 2026: telecom spends started earning core points, and 1% fees came on third-party education payments, toll and bus spends of ₹5,000 or more and railway bookings of ₹30,000 or more.
15 July 2026: interest went up from 3.25% to 3.75% a month, and the air and non-air accidental death cover were stopped for cards issued after that date. For older cards it ended on 25 August 2026.
1 September 2026: the card page's ₹0 joining fee offer began.
1 October 2026: the lounge spend condition went to ₹75,000 a quarter from ₹40,000.

RBI's monthly card data shows 34,91,782 credit cards outstanding under Bank of Baroda for September 2026. RBI do not say whether that figure is the same as BOBCARD's own card base.

Eterna fees and charges

Joining fee. BOBCARD's Key Fact Statement of 17 July 2026 and its MITC both list a joining fee of ₹2,499 plus GST, waived if you spend ₹25,000 within the first 60 days, otherwise charged in the third statement. That's ₹12,500 a month for two months (₹25,000 divided by 2). The card page separately offers a ₹0 joining or first-year fee from 1 September 2026, for a limited period. Treat it as a offer that can end, and check your own Key Fact Statement before accepting the card.

Annual fee. From the second year it's ₹2,499 plus GST, which at 18% is ₹2,948.82 (₹2,499 plus ₹449.82). It is waived when you spend ₹2,50,000 in the anniversary year, about ₹20,834 a month (₹2,50,000 divided by 12 is ₹20,833.33). Anyone using Eterna as the main card cross that without trying. Up to 3 add-on cards are free.

Interest, late fee and cash

Interest has been 3.75% a month, or 45% a year, since 15 July 2026, up from 3.25% (39% a year). On ₹20,000 carried for 30 days that is about ₹740 (₹20,000 times 45% times 30, divided by 365), against about ₹641 at the old rate. The interest-free period is 20 to 50 days, and it only apply if no earlier balance is pending.

The late fee follows the statement balance: nil below ₹100, ₹100 for ₹100 to ₹500, ₹400 for ₹501 to ₹1,000, ₹750 for ₹1,001 to ₹10,000, ₹950 for ₹10,001 to ₹25,000, ₹1,100 for ₹25,001 to ₹50,000 and ₹1,300 above ₹50,000. Cash withdrawals cost 2.5% or ₹500, whichever is higher, with interest from day one, and going over the limit cost 2.5% or ₹600.

Forex and the transaction fees

Foreign currency: 2% plus GST. On ₹1,00,000 spent abroad that is ₹2,360 (₹2,000 plus ₹360 GST), against ₹4,130 on a 3.5% card (₹3,500 plus ₹630 GST), a saving of ₹1,770.
Rent (MCC 6513): 1%. Wallet loading also cost 1%.
Utilities of ₹50,000 or more in one transaction: 1%, capped at ₹3,000. Fuel of ₹10,000 or more: 1%. Fills of ₹400 to ₹5,000 get a 1% surcharge waiver, up to ₹250 a statement cycle, but no points.
Education through third-party apps such as CRED, Paytm or PhonePe: 1%, capped at ₹5,000, from 1 April 2026.
Toll and bus spends of ₹5,000 or more: a flat 1%. Railway bookings of ₹30,000 or more: 1%, capped at ₹5,000. Both from 1 April 2026.
Branch cash payment ₹250; bounced cheque or auto-debit 2%, minimum ₹500. GST at 18% applies on all fees and interest.

Eterna: fees and charges

Joining fee	₹2,499 + GST
Annual or renewal fee	₹2,499 + GST
Annual fee waiver	First-year fee waived on INR 25,000 spends in the first 60 days (else levied in the third statement); annual fee waived on INR 2,50,000 spends in the anniversary year
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	Joining fee INR 2,499 + taxes (KFS/MITC); annual fee INR 2,499. Card page runs a limited-period offer: INR 0 joining/first-year fee w.e.f. 1 September 2026. Up to 3 add-on cards free
Interest on unpaid balances	Up to 3.75% a month (45% a year)
Late payment fee	By statement balance: below INR 100 nil; INR 100-500 INR 100; INR 501-1,000 INR 400; INR 1,001-10,000 INR 750; INR 10,001-25,000 INR 950; INR 25,001-50,000 INR 1,100; above INR 50,000 INR 1,300
Cash withdrawal	2.5% of the withdrawn amount or INR 500, whichever is higher; finance charge from the date of withdrawal
Over-limit fee	2.5% of the amount over the sanctioned credit limit or INR 600, whichever is higher
Forex markup	2% of the amount
Other fees	Processing fee on rent payments (MCC 6513): 1% of transaction amount Processing fee on wallet loading (MCC 6539-6542): 1% Processing fee on utility transactions (MCC 4900) of INR 50,000 or more: 1%, maximum INR 3,000 per transaction Processing fee on fuel transactions (MCC 5172, 5541, 5542, 5983) of INR 10,000 or more: 1% (not applicable to HPCL Energie) Online education fee payments via third-party apps (Cheq, CRED, Ease My Deal, Mobikwik, NoBroker, Paytm, PhonePe, SuperPe): 1%, maximum INR 5,000 per transaction (w.e.f. 1 April 2026) Toll and bus (MCC 4784) transactions of INR 5,000 or more: flat 1% (w.e.f. 1 April 2026) Railway bookings (MCC 4112) of INR 30,000 or more: 1%, maximum INR 5,000 per transaction (w.e.f. 1 April 2026; not on IRCTC BOBCARD) Cash payment processing fee INR 250 per cash payment; cheque payment processing fee INR 100 per cheque Cheque return and auto-debit/SI bounce: 2% of payment amount, minimum INR 500 Card replacement INR 100; duplicate bill INR 25; charge slip retrieval INR 250 Reward redemption fee: no fee GST 18% on all fees, interest and charges

How Eterna earns, and what the points fetch

There are two levels. The 5X level gives 15 points per ₹100 on online purchases (merchants flagged as e-commerce), international spends, dining (MCC 5812) and travel (MCC 4722). Everything else that is eligible get 3 points per ₹100, telecom included since 1 April 2026. The 5X points stop at 5,000 a statement cycle, after which the same spends fall back to 3 points.

BOBCARD's terms also list SmartDeal bookings on its own app or portal, with 12 extra points per ₹100 on flights and 30 extra on hotels. The terms does not say whether those come on top of the core points, so our examples leave them out. Transactions under ₹100 earn nothing, and UPI payments earn only the core 3 points, never 5X.

No points on fuel, rent, wallets, government, education, insurance, hospitals, railways, bus and tolls, supermarkets and grocery stores (MCC 5411 and others) and fast food restaurants (MCC 5814), among other excluded categories.

Value and bonuses. Cashback against your statement pays 25 paise a point, from a minimum of 1,000 points, with no redemption fee; TWID's Pay with Rewards gives only 15 paise, and BOBCARD does not publish a value for vouchers or merchandise. Eterna points are evergreen, except points carried over from an older card on upgrade. You also get 10,000 points (₹2,500) for spending ₹50,000 in the first 60 days, a 12-month FITPASS PRO membership for ₹10,000 in the first 30 days, and 20,000 points (₹5,000) on ₹5,00,000 in the anniversary year.

Per month	Light	Typical	Heavy
Online, dining, travel and international at 15 per ₹100	₹6,000: 900 points	₹25,000: 3,750 points	₹50,000: 5,500 points (cap applied)
Other eligible spends at 3 per ₹100	₹6,000: 180 points	₹18,000: 540 points	₹35,000: 1,050 points
Grocery, fuel, rent and other excluded spends	₹3,000: 0	₹7,000: 0	₹15,000: 0
Points a year, with milestone	12,960	71,480	98,600
Cashback at 25 paise	₹3,240	₹17,870	₹24,650
Annual fee from year two	₹2,948.82	Waived	Waived

Light, ₹15,000 a month. ₹6,000 in the 5X group earns 900 points and ₹6,000 elsewhere earns 180, so 1,080 a month or 12,960 a year (1,080 times 12), worth ₹3,240. ₹1,80,000 of yearly spend (₹15,000 times 12) falls short of the ₹2,50,000 waiver, so after paying ₹2,948.82 just ₹291.18 is left. A ₹45,000 quarter (₹15,000 times 3) also miss the lounge condition. In year one ₹30,000 in 60 days (₹15,000 times 2) clears the ₹25,000 joining-fee waiver but not the ₹50,000 welcome target.

Typical, ₹50,000 a month. ₹25,000 of online, dining and travel spends earns 3,750 points, inside the cap, and ₹18,000 of other spends adds 540, for 4,290 a month and 51,480 a year. Eligible spends of ₹5,16,000 (₹25,000 plus ₹18,000, times 12) clears both the fee waiver and the ₹5 lakh milestone, so 20,000 points more. 71,480 points is ₹17,870 in cashback, and no fee to pay.

Heavy, ₹1,00,000 a month. ₹50,000 in the 5X group would be 7,500 points, but the cap allows 5,000, which uses about ₹33,333. The other ₹16,667 earns 3 per ₹100, about 500 points. Add 1,050 from ₹35,000 of other spends and it's 6,550 a month and 78,600 a year. ₹10,20,000 of eligible spends (₹50,000 plus ₹35,000, times 12) brings the milestone too, so 98,600 points or ₹24,650. Past the cap, the extra 5X spends is better put on another card.

Eterna: higher-reward categories

Category	Rate	Cap
Online (e-commerce flag), international, dining (MCC 5812) and travel (MCC 4722)	15 reward points per INR 100 (5X), about 3.75% value	5X points capped at 5,000 per statement cycle; further spends earn the regular rate, ₹5,000, statement cycle
Flights booked via BOBCARD SmartDeal (app/portal)	12 extra points per INR 100 (T&C table; 'Extra 4X rewards')	No cap published
Hotels booked via BOBCARD SmartDeal (app/portal)	30 extra points per INR 100 (T&C table; 'Extra 10X rewards')	No cap published

Eterna: how rewards work

Earned as	BOBCARD reward points
Base rate	3 reward points per INR 100 on other eligible categories. About 0.75% value back
Minimum spend rules	Transactions below INR 100 earn no points
No rewards on	Fuel (no reward points on any BOBCARD except HPCL Energie) Transactions below INR 100 Agriculture Contractors Transportation: passenger transport, railways, bus, tolls (MCC 4111, 4112, 4131, 4784, 4789) Rent (MCC 6513) Cleaning, laundry, personal services Government Education Hospitals Wallets Supermarkets, convenience and variety stores (MCC 5261, 5331, 5411, 5499) Insurance Charity Fast food restaurants (MCC 5814)
Lower rewards on	UPI transactions earn core points only and do not qualify for accelerated points
Value of a point	Cashback against card statement (minimum 1,000 points): All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.25 TWID Pay with Rewards at partner merchants (minimum 500 points, up to 25% of invoice): Reward Redemption value using Pay with Rewards 1RP= 15 Paisa
Redemption fee	No fee
Expiry	Evergreen on Eterna (points do not lapse), except points carried over from an earlier card on upgrade, which keep their 2-year validity
Welcome benefits	10,000 bonus reward points on spending INR 50,000 within the first 60 days Complimentary 12-month FITPASS PRO membership on spending INR 10,000 within 30 days of issuance
Milestone benefits	20,000 reward points on spending INR 5,00,000 or more in the anniversary year
Lounge access	Domestic: Unlimited complimentary domestic airport lounge access International: None listed Condition: From 1 October 2026: spend INR 75,000 in the preceding calendar quarter (was INR 40,000 till 30 September 2026); spend condition waived in the quarter a new card is issued; INR 2 validation charge per visit
Fuel surcharge waiver	1% waiver on fuel transactions of INR 400 to INR 5,000; maximum INR 250 per statement cycle; no points on fuel
Insurance cover	Air and non-air accidental death cover withdrawn: not applicable to cards issued after 15 July 2026, and ended 25 August 2026 for earlier cards

Eligibility, documents and how to apply

BOBCARD asks for net annual income above ₹12 lakh, about ₹1 lakh a month (₹12 lakh divided by 12), for both salaried and self-employed people. The age band is 21 to 60, though BOBCARD may consider lower or higher ages at it's discretion. You must be an Indian resident.

Documents

A recent passport-size photograph, your PAN card, and address proof such as Aadhaar (both sides), voter ID, passport or driving licence.
Salaried: a bank statement showing salary credits for the last 2 months; salary slips only along with it.
Self-employed: bank statement in PDF showing business transaction for last 3 months.

How to apply

You fill the online form, e-sign with Aadhaar and verify yourself on a Video KYC call, which the RBI's KYC Directions treat on par with meeting in person. Cards are issued on billing cycles of the 1st, 7th, 13th, 16th, 18th or 25th, with an option to change it. An Eterna (FD) variant is listed in the fee table at the same ₹2,499, but the documents we read don't give the deposit amount or the limit it gives, so ask before you choose that one.

What BOBCARD will check

Your independent income and every credit limit you hold elsewhere, which RBI rules require a card issuer to assess.
Your credit record. Experian says above 750 is generally good on its 300 to 900 range; CRIF calls above 700 good.
That you really asked for the card, since RBI bans cards issued without explicit consent.

BOBCARD is a non-bank issuer, so it comes under the RBI's 2025 Directions for NBFC card issuers. Approval is BOBCARD's call alone, and a rejection must come with specific reason in writing. Eterna has a dedicated 24x7 helpline, 1800 103 1002.

Eterna: eligibility and documents

Age (salaried)	21 to 60 years
Age (self-employed)	21 to 60 years
Income (salaried)	Net annual income above INR 12 lakh
Income (self-employed)	Net annual income above INR 12 lakh
Other conditions	Indian resident; lower and higher age cut-offs at BOBCARD's discretion. minIncomeMonthly is INR 12 lakh / 12.
Documents	Recent passport-size photograph PAN card Permanent address proof: Aadhaar (both sides), Voter ID, Passport, Driving Licence, NREGA Job Card, or National Population Register letter Income proof (salaried): bank statement showing salary credit for the last 2 months (salary slips only with the bank statement) Income proof (self-employed): bank statement (PDF) showing business transactions for the last 3 months
How to apply	Online, digitally: fill the online application, e-sign using Aadhaar, then verify identity by Video KYC (per card pages). Apply links go to mycard.bobcard.tech. Bank of Baroda also offers an instant lifetime-free RuPay BOBCARD through its bob World / bob iPay app.
Card customer care	1800 2090 / 1800 1210 (24x7 toll-free); Eterna and Tiara: 1800 103 1002

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Pros, cons and who Eterna suits

Eterna's sweet spot is narrow but generous. If your spending is mostly online orders, restaurant bills, flights and a few foreign spends, 3.75% on up to about ₹33,333 a cycle pays well for a ₹2,499 card, and the points never lapse. The ₹2.5 lakh waiver is also low compare to the ₹4 lakh to ₹10 lakh the cards in the next tab asks.

Who gains most: someone earning above ₹12 lakh who spend ₹50,000 or more a month, much of it online or on travel, and takes a foreign trip or two a year. They keep the fee waived, collect the ₹5 lakh milestone, use domestic lounges and pay 2% instead of 3.5% abroad.

Who should skip it: households where the supermarket, fuel and rent take most of the money, since none of it earns a point. Also people who wants international lounges, as Eterna lists none. And spenders below ₹25,000 a month, who will miss the ₹75,000 lounge condition (₹25,000 times 3).

The trade-offs are real. Interest jumped to 45% a year in July 2026, the accident cover is gone, and the lounge bar was nearly doubled from ₹40,000. None of that matters much if you pay in full, use it for the right categories and take cashback. Very much value is there for the right spender, only for them.

Pros

3.75% back on online, international, dining and travel spends, up to 5,000 points a statement cycle
A 2% foreign currency markup, against 3.5% on most other BOBCARDs
Points do not expire and redeem as cashback at 25 paise with no redemption fee
The ₹2,499 annual fee is waived on ₹2.5 lakh a year, about ₹20,834 a month
10,000 welcome points (₹2,500) on ₹50,000 in 60 days and 20,000 points on ₹5 lakh a year
Up to 3 add-on cards with no fee

Cons

Supermarkets, grocery stores, fast food outlets, fuel and rent earn no points
Domestic lounge access needs ₹75,000 of spend in the previous quarter since 1 October 2026
No international lounge access is listed
Interest rose to 3.75% a month (45% a year) from 15 July 2026
The accidental death cover was withdrawn in 2026
UPI spends earn only the base 3 points per ₹100

Eterna against three similar premium cards

These cards sit near Eterna on fee, but each rewards a different kind of spending, and the spend needed to waive them differ a lot.

HDFC Bank Regalia Gold

The Regalia Gold costs ₹2,500 plus GST, waived on ₹4 lakh a year. It earns 5 points per ₹200 and 5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer, capped at 5,000 points a month, with points worth most on HDFC's gold catalogue. Forex is 2%, like Eterna. It gives 3 domestic lounge visits a quarter after ₹60,000 of spends plus 6 Priority Pass visits abroad, but salaried applicants need gross income above ₹1.5 lakh a month.

SBI Card ELITE

The SBI Card ELITE costs ₹4,999 plus GST and needs ₹10 lakh a year for a waiver. It pays 10 points per ₹100 on dining, departmental stores and grocery, capped at 10,000 points a month, so grocery shoppers do better here. Forex is 1.99%, and it gives 8 domestic and 6 Priority Pass visits a year with no spend condition stated, plus a ₹5,000 welcome voucher.

Axis Bank Select

The Axis Bank Select costs ₹3,000 plus GST, waived on ₹8 lakh. It earns 2% at department, grocery and clothing stores up to ₹20,000 a month and 1% on the rest, at 20 paise a point. Priority Pass with 6 visits abroad comes with it, domestic lounges need ₹50,000 in the last 3 months, and forex is 3.5%.

Who should pick which

Eterna, if online, dining and travel are your main spends and you want the easiest waiver of the four.
Regalia Gold, if you earn above ₹1.5 lakh a month and want lounges abroad with HDFC's travel redemptions.
SBI ELITE, if groceries is a big part of the month and you travel abroad often.
Axis Select, if your money go on department and clothing stores and you want Priority Pass.

More on the issuer at BOBCARD credit cards and Bank of Baroda customer care, or see the best travel cards, our comparison guide and all credit cards.

Eterna against similar cards

Term	BOBCARD ETERNA This card	Regalia Gold Credit Card	SBI Card ELITE	Axis Bank Select Credit Card
Bank	BOBCARD	HDFC Bank	SBI Card	Axis Bank
Joining fee	₹2,499 + GST	₹2,500 + GST	₹4,999 + GST	₹3,000 + GST
Annual fee and waiver	₹2,499 + GST. First-year fee waived on INR 25,000 spends in the first 60 days (else levied in the third statement); annual fee waived on INR 2,50,000 spends in the anniversary year	₹2,500 + GST. Retail spends of ₹4 lakh within 12 billing cycles of your anniversary year waive the next year's renewal fee	₹4,999 + GST. Renewal fee waived off on annual spends of Rs. 10 lakh or more in the preceding year	₹3,000 + GST. Annual fee waived on spends of INR 8 lakh in the preceding card anniversary year; insurance, rent, fuel, education, utilities and telecom, government, wallet, gold and gift card spends (and EMI conversions, cash, reversals, fees) do not count. Nil fees for Burgundy account holders.
Base reward	3 reward points per INR 100 on other eligible categories (about 0.75% value)	5 Reward Points for every ₹200 spent on eligible retail spends	2 Reward Points per Rs (about 0.5% value)	10 EDGE REWARD Points per INR 200 spent (about 1% value)
Best category	Online, international, dining and travel: about 3.75% value	Myntra, Nykaa, Reliance Digital, Marks & Spencer: 5X Reward Points	Dining, departmental stores and grocery: about 2.5% value	Retail shopping: department stores, grocery stores, clothing and accessory stores: about 2% value
Lounges	Domestic: Unlimited complimentary domestic airport lounge access International: None listed	Domestic: 3 complimentary domestic lounge visits per calendar quarter, by swiping the card International: Up to 6 visits per calendar year outside India via Priority Pass, for primary and add-on members	Domestic: 2 complimentary domestic airport lounge visits every quarter (8 a year) International: 6 complimentary Priority Pass lounge visits per calendar year outside India (max 2 per quarter); Priority Pass membership complimentary, valid 2 years	Domestic: 2 complimentary visits per quarter at select domestic airport lounges (card must be swiped; Priority Pass not valid at Indian domestic lounges from 28 Aug 2026) International: Priority Pass membership with 6 complimentary international lounge visits per anniversary year, plus 6 more on INR 3 lakh spends in that year (up to 12)
Forex markup	2% of the amount	2% of the amount	1.99% of the amount	3.5% of the amount
Network	Not stated by the bank	Not stated by the bank	Visa, Mastercard, American Express	Not stated by the bank
Published minimum income	₹1,00,000 a month	₹1,50,000 a month	Stable income; SBI Card says the specific minimum varies by card and does not...	₹50,000 a month
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

Does BOBCARD Eterna have a joining fee?

Yes. BOBCARD's MITC and Key Fact Statement list a joining fee of ₹2,499 plus GST, waived if you spend ₹25,000 in the first 60 days and otherwise charged in your third statement. The Eterna card page runs a limited-period offer of a ₹0 joining or first-year fee from 1 September 2026. From the second year, the ₹2,499 fee is waived on ₹2,50,000 of spend in the anniversary year.

How much is a BOBCARD Eterna reward point worth?

25 paise when you redeem it as cashback against your statement, with a minimum of 1,000 points and no redemption fee. Through TWID's Pay with Rewards at partner merchants a point is worth only 15 paise. Eterna points are evergreen, so they do not expire, except points carried over from an older card on upgrade, which keep their 2-year validity.

What income do I need for BOBCARD Eterna?

BOBCARD asks for net annual income above ₹12 lakh, about ₹1 lakh a month, for both salaried and self-employed applicants, and an age of 21 to 60, with exceptions at its discretion. You need a photograph, PAN, address proof and bank statements showing salary for 2 months or business transactions for 3 months. Approval is BOBCARD's decision.

What are the lounge and forex benefits on Eterna?

Eterna gives unlimited domestic airport lounge visits, but from 1 October 2026 only if you spent ₹75,000 in the previous calendar quarter, up from ₹40,000. The condition is waived in the quarter your card is issued, and each visit carries a ₹2 validation charge. No international lounge access is listed. The forex markup is 2% plus GST.

What changed on BOBCARD Eterna in 2026?

Several things. From 1 April 2026 telecom spends earn core points, and new 1% fees apply to third-party education payments, large toll and bus spends and large railway bookings. From 15 July 2026 interest rose from 3.25% to 3.75% a month, and accidental death cover was withdrawn for new cards. From 1 October 2026 the lounge spend condition became ₹75,000.

Do grocery and UPI payments earn points on Eterna?

Mostly not. Supermarkets, convenience and variety stores (MCC 5261, 5331, 5411, 5499) are on BOBCARD's excluded list, as are fast food restaurants, fuel, rent and wallets. UPI payments earn only the core 3 points per ₹100 and never the 15-point rate. Any transaction below ₹100 earns nothing at all, whatever the category.

Sources

BOBCARD Limited: Key Fact Statement (KFS), dated 17 Jul 2026; BOBCARD Consolidated MITC; BOBCARD Product Features - Important Terms & Conditions (file dated 02-11-2026); BOBCARD Eterna; BOBCARD Eterna (expanded "Read more" text); Revision in Product Features and Charges w.e.f 1st April, 2026; BOBCARD Premier (expanded "Read more" text)

Last verified: 5 November 2026

Written by Abhishek Kumar, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.