BOB Eterna Credit Card, Bank of Baroda Eterna Credit Card
Apply Now
Offers
Share Link:

BOB Eterna Credit Card from Bank of Baroda

(3.6/5)
Best For: ,
From:
BOB Cards, Bank of Baroda
Powered By:
Card IconCard Icon
BOB Eterna Credit Card is a travel focused premium credit card from Bank of Baroda. This credit card offers decent rewards and real cashback on travel, lifestyle and international transactions. This is one of the very few credit cards which provide a positive real cashback on international transactions post deduction of forex mark up fee. On top of that, you get many lifestyle benefits. This card becomes very popular recently as this credit card is being offered as Lifetime Free for last few months. If the card is applied on or before 31st March 2026, the card will be lifetime free.

Features and Benefits

Features and benefits available in this credit card

Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Giftcards
Jewellery
Wallet Load
Rewards on EMI
Welcome Bonus
Travel
Dining
Shopping
Interest

Joining & Renewal Benefits

Joining Benefits

  • 6 Months FITNESS Pro Membership Pass worth Rs.15,000
  • Spend Rs.25,000 in first 25 days to get the Joining Fee Waived-off. However, if you apply BOB Eterna Credit Card on or before 31st March 2026, the card will be lifetime free for you (no spend required for fee waiver).
  • 10,000 Bonus Reward Points (=Rs.2,500) if Spend Rs.50,000 in first 60 days

Renewal Benefits

  • Spend Rs.2.5 Lacs in a year for waiver of annual fee (renewal fee). However, if you apply BOB Eterna Credit Card on or before 31st March 2026, the card will be lifetime free for you (no spend required for fee waiver).

Cashback & Rewards

  • Base Rewards: 3 Reward Points per Rs.100 Spend (0.75% Cashback)
  • Utility Spend: 3 Reward Points per Rs.100 Spend (0.75% Cashback) on all utility bill payments except any government related utility bills and telecom (mobile recharges and mobile bills).
  • Accelerated Rewards: 5x Reward Points (15 reward points worth 3.75% cashback) per Rs.100 spend on online shopping, dining, travel and international spend. Maximum 5,000 points in a statement cycle, Thereafter, 3 Reward points per Rs.100 (0.75% cashback)
  • Milestone Bonus: 20,000 bonus reward points if spend Rs.5 lacs in a year (additional 1% cashback)
  • All reward points can be converted into a real cashback as statement credit at a fixed rate of Rs.0.25 per reward points. BOB Eterna Credit Card’s reward points do not expire.

Lifestyle Benefits

  • Movie Tickets: Buy one get one movie ticket fee worth upto Rs.250 once in a month
  • Airport Lounge Access: Unlimited domestic airport lounge access provided you have spent Rs.40,000 or more in the previous calendar quarter.
    • All kind of expenditures (except EMI and credit card charges) are considered to calculate fulfilment of spend condition.
    • During the first quarter of card issuance, domestic lounge access is provided without any spend.
    • Lounges at both domestic and international terminal are covered (80+ lounges).
    • Premium lounges such as Bengaluru 080 VIP lounges and arrival lounges, Adani East Lounge at Mumbai T2 International terminal, Aviserve Arrival lounges at Mumbai etc are covered.
  • Insurance Cover: Get following free insurance coverage for primary credit card holder
    • Air Accident Cover of Rs.1 Crore
    • Other Accident Cover of Rs.10 Lacs

International Transactions

  • Get 15% Reward Points (=3.75% Cashback) on international transactions
  • 2.18% (including GST) forex transaction surcharge
  • Net cashback of 1.58% on Forex Transactions which is great.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on transaction between Rs.400 to Rs.5,000
  • Maximum fuel surcharge waiver limited to Rs.250 per monthly statement cycle

Joining & Renewal Benefits

Joining Benefits

  • 6 Months FITNESS Pro Membership Pass worth Rs.15,000
  • Spend Rs.25,000 in first 25 days to get the Joining Fee Waived-off. However, if you apply BOB Eterna Credit Card on or before 31st March 2026, the card will be lifetime free for you (no spend required for fee waiver).
  • 10,000 Bonus Reward Points (=Rs.2,500) if Spend Rs.50,000 in first 60 days

Renewal Benefits

  • Spend Rs.2.5 Lacs in a year for waiver of annual fee (renewal fee). However, if you apply BOB Eterna Credit Card on or before 31st March 2026, the card will be lifetime free for you (no spend required for fee waiver).

Cashback & Rewards

  • Base Rewards: 3 Reward Points per Rs.100 Spend (0.75% Cashback)
  • Utility Spend: 3 Reward Points per Rs.100 Spend (0.75% Cashback) on all utility bill payments except any government related utility bills and telecom (mobile recharges and mobile bills).
  • Accelerated Rewards: 5x Reward Points (15 reward points worth 3.75% cashback) per Rs.100 spend on online shopping, dining, travel and international spend. Maximum 5,000 points in a statement cycle, Thereafter, 3 Reward points per Rs.100 (0.75% cashback)
  • Milestone Bonus: 20,000 bonus reward points if spend Rs.5 lacs in a year (additional 1% cashback)
  • All reward points can be converted into a real cashback as statement credit at a fixed rate of Rs.0.25 per reward points. BOB Eterna Credit Card’s reward points do not expire.

Lifestyle Benefits

  • Movie Tickets: Buy one get one movie ticket fee worth upto Rs.250 once in a month
  • Airport Lounge Access: Unlimited domestic airport lounge access provided you have spent Rs.40,000 or more in the previous calendar quarter.
    • All kind of expenditures (except EMI and credit card charges) are considered to calculate fulfilment of spend condition.
    • During the first quarter of card issuance, domestic lounge access is provided without any spend.
    • Lounges at both domestic and international terminal are covered (80+ lounges).
    • Premium lounges such as Bengaluru 080 VIP lounges and arrival lounges, Adani East Lounge at Mumbai T2 International terminal, Aviserve Arrival lounges at Mumbai etc are covered.
  • Insurance Cover: Get following free insurance coverage for primary credit card holder
    • Air Accident Cover of Rs.1 Crore
    • Other Accident Cover of Rs.10 Lacs

International Transactions

  • Get 15% Reward Points (=3.75% Cashback) on international transactions
  • 2.18% (including GST) forex transaction surcharge
  • Net cashback of 1.58% on Forex Transactions which is great.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on transaction between Rs.400 to Rs.5,000
  • Maximum fuel surcharge waiver limited to Rs.250 per monthly statement cycle

Reward Redemption

Reward points needs to be redeemed manually at a fixed rate of Rs.0.25 per reward point. This cash against the reward points is credited in the credit card statement. Thus, its a real cashback.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)
₹ 2949
Renewal fee
(INR including GST)
₹ 2949
Annual Spend Target
for Renewal Fee Waiver (INR)
₹ 250000

Pros

Aspects that make this credit card amazing.

  • No spend condition for free movie tickets.
  • It’s one of the very few credit cards which provides net-real cashback on forex transactions. Even after deduction of the forex charges, you get a net positive real cashback.
  • This credit card is available on JCB Payment network (if you select Rupay variant). JCB payment network’s cashback and discount offers are very common if you travel to South East Asian countries.
  • Reward points can be converted to real cashback as a credit entry against statement dues
  • Card is eligible for BOB Credit Card discount offers. Such offers have come very frequent in recent times.
  • Network of airport lounge is extremely good considering this is an entry level premium credit card. All kind of spend are considered for fulfilling the minimum spend criteria for lounge access.

Cons

Aspects this credit card lacks.

  • Airport lounge access needs a minimum spend of Rs.40,000. It’s very high spend criteria.
  • Exclusion list of reward points is very long.
  • While the card is forex spend friendly credit card but there are no international lounge access for airports.

Spend Categories with No Cashback / Rewards

No reward points on spend on following spend categories (MCC codes in bracket)

  • Fuel
  • Agriculture (763,780,820,821,822,823,824, 825)
  • Contractor (1520, 1711 ,1731 ,1740 ,1750 ,1761,1771 ,1799)
  • Transportation (Passenger Transportation, Passenger Railways, Bus services, Toll and road and Bridge Fees and Transportation Services – Not Elsewhere Classified) (4111, 4112, 4131, 4784, 4789)
  • Telecom (4814)
  • Rent (6513)
  • Cleaning and Maintenance, laundry, Personal services (Beauty parlour, barber, Legal and CIVIC services etc) (7349, 7211, 7230, 7276, 8111, 8641)
  • Government (9211, 9222, 9311, 9399, 9402, 9405)
  • Education (8211, 8220, 8241, 8244, 8249, 8299)
  • Hospital (8011, 8062)
  • Wallet (6539, 6541, 6542, 6543)
  • Supermarket and convenience store,
  • Variety Stores, Retail Store Insurance (5960, 6300, 5261, 5331, 5411, 5499)
  • Charity (8398, 8661)
  • Fast food restaurants (5814)

Add-on Cards

  • Get 3 Free Add-on credit cards for spouse, parents, siblings and children (above 18 years of age)

Eligibility Criteria

Eligibility Criteria for BOB Eterna Credit Card

  • Indian Resident
  • Age:
    • Primary Card Holder (Salaried): 21 years to 60 years
    • Primary Card Holder (Self-employeed): 24 years to 65 years
    • Add-on Card Holder: 18 years+
  • Income
    • Salaried: Rs.12 Lacs Net Annual Income
    • Self-employed: Rs.12 Lacs Net Annual Income

Important Links

  • List of Airport Lounge accessible using BOB Eterna Credit Card: Click Here

Upcoming Changes

  • The BOB Eterna Credit Card is lifetime free if applied on or before 31st March 2026. Thereafter, the standard joining and renewal fee will be applicable.

Rating & Leave your comment here about this credit card

Rating & Leave your comment here about this credit card

(3.6/5)

SpendWisely’s Rating for this Credit Card

(3.6/5)

Ratings you can trust: honest, unbiased, and backed by SpendWisely’s expertise.

Reward Value
(3)
Lifestyle Benefits
(4)
Ease of Reward Redemption
(4)
Value for Money
(4)
Customer Service
(3)

BOB Eterna Credit Card is positioned as an entry-level premium card and is particularly well-suited for international travel and foreign currency spends. One of its key differentiators is availability on the JCB payment network via the RuPay variant, which is still rare in India and often comes with attractive cashback and merchant offers across South-East Asian countries. The card is also eligible for Bank of Baroda’s instant discount offers, which have become quite frequent . However, the reward rate on regular domestic spends is quite low and does not justify the annual fee on its own. Hence, the card makes good sense if you are getting it Lifetime Free or if you travel abroad at least once a year; otherwise, it can be comfortably avoided.

Related Videos

Leave your comment here about this credit card

There are no reviews yet.

Be the first to review “BOB Eterna Credit Card from Bank of Baroda”

Your email address will not be published. Required fields are marked *

More

Jupiter Edge+ CSB Bank Credit Card
(4.2/5)

Jupiter Edge+ Credit Card by CSB Bank

(4.2/5)
Best For : , , ,
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 0
Renewal fee
(INR including GST)
₹ 0
Base Reward Rate
0%
Accelerated Reward Rate
10%
Jupiter Edge+ CSB Bank Credit Card
(4.2/5)
Categories:
Categories: , , ,

Jupiter Edge+ Credit Card by CSB Bank

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 0
Renewal fee
(INR including GST)
₹ 0
Base Reward Rate
0%
Accelerated Reward Rate
10%
Full Details
Scapia Credit Card Federal Bank
(4.6/5)

Federal Bank Scapia Credit Card

(4.6/5)
Best For : , , ,
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ Nil
Renewal fee
(INR including GST)
₹ Nil
Base Reward Rate
2%
Accelerated Reward Rate
4%
Scapia Credit Card Federal Bank
(4.6/5)
Categories:
Categories: , , ,

Federal Bank Scapia Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ Nil
Renewal fee
(INR including GST)
₹ Nil
Base Reward Rate
2%
Accelerated Reward Rate
4%
Full Details
Axis Neo Credit Card
(2.6/5)

Axis Bank Neo Credit Card

(2.6/5)
,
Best For : ,
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 295
Renewal fee
(INR including GST)
₹ 295
Base Reward Rate
0.1%
Accelerated Reward Rate
0.1%
Axis Neo Credit Card
(2.6/5)
Categories: ,
Categories: ,

Axis Bank Neo Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 295
Renewal fee
(INR including GST)
₹ 295
Base Reward Rate
0.1%
Accelerated Reward Rate
0.1%
Full Details
RBL Shoprite Credit Card
(1.6/5)

RBL Bank ShopRite Credit Card

(1.6/5)
,
Best For : ,
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.25%
Accelerated Reward Rate
2.5%
RBL Shoprite Credit Card
(1.6/5)
Categories: ,
Categories: ,

RBL Bank ShopRite Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 590
Renewal fee
(INR including GST)
₹ 590
Base Reward Rate
0.25%
Accelerated Reward Rate
2.5%
Full Details
Yes Bank Kiwi Credit Card
(4.6/5)

Yes Bank’s Kiwi Credit Card

(4.6/5)
Best For : ,
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ Nil
Renewal fee
(INR including GST)
₹ Nil
Base Reward Rate
1.5%
Accelerated Reward Rate
5%
Yes Bank Kiwi Credit Card
(4.6/5)
Categories:
Categories: ,

Yes Bank’s Kiwi Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ Nil
Renewal fee
(INR including GST)
₹ Nil
Base Reward Rate
1.5%
Accelerated Reward Rate
5%
Full Details
HSBC Platinum Credit Card
(4/5)

HSBC Platinum Lifetime Free Credit Card

(4/5)
Best For : , ,
Full Details
Cashback
Reward Points
Airmiles
Airport Lounge
Joining fee
(INR including GST)
₹ 0
Renewal fee
(INR including GST)
₹ 0
Base Reward Rate
0.67%
Accelerated Reward Rate
8%
HSBC Platinum Credit Card
(4/5)
Categories:
Categories: , ,

HSBC Platinum Lifetime Free Credit Card

Cashback
Reward Points
Airmiles
Airport Lounge
Additional Details...
Joining fee
(INR including GST)
₹ 0
Renewal fee
(INR including GST)
₹ 0
Base Reward Rate
0.67%
Accelerated Reward Rate
8%
Full Details

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available

Facebook
Twitter
LinkedIn
WhatsApp
Youtube Instagram Telegram-plane Threads X-twitter Telegram-plane Whatsapp Facebook-f

Designed & Developed By The Brand Projects