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BOBCARD Eterna Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Bank of Baroda Visa Premium

Join / Annual

₹0/₹2499

Base Rate

3.0%

Reward Type

Points

Overview

The BOBCARD Eterna Credit Card is a Premium credit card issued by Bank of Baroda on the Visa network. It offers a base reward rate of 3.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹2,499
Eligibility: Min. annual income of ₹12 Lakh, Age 21-65, CIBIL score ≥ 650.

Reward Rates & Cashback Rules

  • CATEGORY – Travel: 15.0% cashback | monthly cap ₹1250.0 ⚠️ Shared monthly cap of 5,000 points (₹1250) across all accelerated categories (Travel, Dining, Online, International). Spends beyond this limit earn base rate.
  • CATEGORY – Dining: 15.0% cashback | monthly cap ₹1250.0 ⚠️ Shared monthly cap of 5,000 points (₹1250) across all accelerated categories (Travel, Dining, Online, International). Spends beyond this limit earn base rate.
  • ALL_ONLINE: 15.0% cashback | monthly cap ₹1250.0 ⚠️ Shared monthly cap of 5,000 points (₹1250) across all accelerated categories (Travel, Dining, Online, International). Spends beyond this limit earn base rate.
  • CATEGORY – International: 15.0% cashback | monthly cap ₹1250.0 ⚠️ Shared monthly cap of 5,000 points (₹1250) across all accelerated categories (Travel, Dining, Online, International). Spends beyond this limit earn base rate.
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points are earned on fuel transactions.
  • CATEGORY – EMI: 0.0% cashback ⚠️ No reward points are earned on EMI transactions.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points are earned on wallet loads.
  • CATEGORY – Rent: 0.0% cashback ⚠️ No reward points are earned on rent payments.
  • CATEGORY – Utilities: 0.0% cashback ⚠️ No reward points are earned on utility payments.
  • CATEGORY – Insurance: 0.0% cashback ⚠️ No reward points are earned on insurance payments.

Key Features & Benefits

  • Unlimited Domestic Lounge Access ✈️: Unlimited complimentary domestic airport lounge access for primary and add-on cardholders, subject to a minimum spend of ₹40,000 in the preceding calendar quarter.
  • Buy 1 Get 1 Movie Ticket 🎬: Buy One Get One free on movie tickets via the District app, with a maximum discount of ₹250 per month.
  • Milestone Bonus Rewards 🏆: Earn 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.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver up to ₹250 per statement cycle on transactions between ₹400 and ₹5,000.
  • Welcome Benefits 🎁: Complimentary 6-month FITPASS Pro membership and up to 3 lifetime free add-on cards for family members.
  • Insurance Cover 🛡️: Complimentary air accident insurance cover up to ₹1 Crore and non-air accident cover up to ₹10 Lakhs.

Eligibility Criteria

Min. annual income of ₹12 Lakh, Age 21-65, CIBIL score ≥ 650.

Features & Benefits

✈️

Unlimited Domestic Lounge Access

Unlimited complimentary domestic airport lounge access for primary and add-on cardholders, subject to a minimum spend of ₹40,000 in the preceding calendar quarter.

🎬

Buy 1 Get 1 Movie Ticket

Buy One Get One free on movie tickets via the District app, with a maximum discount of ₹250 per month.

🏆

Milestone Bonus Rewards

Earn 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.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver up to ₹250 per statement cycle on transactions between ₹400 and ₹5,000.

🎁

Welcome Benefits

Complimentary 6-month FITPASS Pro membership and up to 3 lifetime free add-on cards for family members.

🛡️

Insurance Cover

Complimentary air accident insurance cover up to ₹1 Crore and non-air accident cover up to ₹10 Lakhs.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Travel
Reward: 15.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Shared monthly cap of 5,000 points (₹1250) across all accelerated categories (Travel, Dining, Online, International). Spends beyond this limit earn base rate.
15%
Dining
Reward: 15.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Shared monthly cap of 5,000 points (₹1250) across all accelerated categories (Travel, Dining, Online, International). Spends beyond this limit earn base rate.
15%
All Online Spends
Reward: 15.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Shared monthly cap of 5,000 points (₹1250) across all accelerated categories (Travel, Dining, Online, International). Spends beyond this limit earn base rate.
15%
International
Reward: 15.0% Monthly Cap: ₹1250.0
⚠️ Exceptions: Shared monthly cap of 5,000 points (₹1250) across all accelerated categories (Travel, Dining, Online, International). Spends beyond this limit earn base rate.
15%
Fuel Exclusion
⚠️ Exceptions: No reward points are earned on fuel transactions.
EMI Exclusion
⚠️ Exceptions: No reward points are earned on EMI transactions.
Wallet Load Exclusion
⚠️ Exceptions: No reward points are earned on wallet loads.
Rent Exclusion
⚠️ Exceptions: No reward points are earned on rent payments.
Utilities Exclusion
⚠️ Exceptions: No reward points are earned on utility payments.
Insurance Exclusion
⚠️ Exceptions: No reward points are earned on insurance payments.

Value Chart

Assuming basic spends for BOBCARD Eterna Credit Card

Category BOBCARD Eterna Credit Card Axis Bank Magnus Credit Card Axis Bank Select Credit Card Axis Bank Horizon Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹2499 ₹12500 ₹3000 ₹3000
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		3.0% 6.0% 5.0% 2.0%
★
Known Rules 		10 rules 8 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + Travel — 15.0% Points (cap ₹1250.0)
  • + Dining — 15.0% Points (cap ₹1250.0)
  • + All Spends — 15.0% Points (cap ₹1250.0)
  • + International — 15.0% Points (cap ₹1250.0)
  • + Unlimited Domestic Lounge Access
  • + Buy 1 Get 1 Movie Ticket
  • + Milestone Bonus Rewards
  • + Fuel Surcharge Waiver
✗

Cons

  • − No reward on Fuel — No reward points are earned on fuel transactions.
  • − No reward on EMI — No reward points are earned on EMI transactions.
  • − No reward on Wallet Load — No reward points are earned on wallet loads.
  • − No reward on Rent — No reward points are earned on rent payments.
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹9000

Annual Fee

₹2499

Net Value

+₹6501

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

You earn 15 Reward Points per ₹100 (3.75% value) on travel, dining, online, and international spends, and 3 points per ₹100 (0.75% value) on all other categories. 1 point is worth ₹0.25.

Yes, the accelerated earning of 15 points per ₹100 is capped at 5,000 points per monthly statement cycle across all accelerated categories combined. Spends beyond this limit earn the base rate of 3 points per ₹100.

The card has a low foreign currency markup fee of 2%. Combined with the 3.75% reward rate on international spends, this results in a net gain on such transactions, up to the monthly rewards cap.

The annual fee of ₹2,499 is waived if you spend ₹2.5 Lakh or more in the previous card anniversary year. The joining fee is also waived on spending ₹25,000 within the first 60 days.

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