BOB Eterna Credit Card - Bank of Baroda

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 2 min read

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.

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.

Fees & Charges

Joining / Annual Fee ₹ 2,949

Renewal Fee ₹ 2,949

Annual Spend Target for Fee Waiver ₹ 249,999

Minimum Annual Income Required ₹ 1,200,000

Rewards and Benefits

Reward Rate

Base Rewards: 0.75; Accelerated Rewards: 3.75%

Base Reward Rate

0.75%

Accelerated Reward Rate

3.75%

Welcome 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

No renewal benefit. However, Renewal Fee Waived-off if spend Rs.2.5 Lacs in a year (Not applicable if the card is already lifetime free)

Rewards & Cashback Details

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)
Points Value: 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.

Rewards 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.

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Movie Benefits

Railway Lounge Access

Dining Benefits

Golf Benefits

Lifestyle Benefits Details

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

Features & Benefits

Cashback

Reward Points

Airport Lounge

Utility Bills

Gift Cards

Jewellery

Airmiles

Insurance

NPS

Education

Government Payment

Fuel

Rent

Wallet Load

Rewards on EMI

No Cashback / Rewards Categories

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)

Ratings & Reviews

3.6

Overall Rating

Reward Rate

3/5

Lifestyle Benefits

4/5

Ease of Reward Redemption

4/5

Value For Money

4/5

Customer Service

3/5

Detailed Review

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.

Eligibility & Important Info

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.