BOBCARD Eterna Credit Card on Dining out
Yes. The BOBCARD Eterna Credit Card gives 3.75% back when you pay on Dining out directly, compared with 0.75% on its other spends.
On Dining out
3.75%
Other spends
0.75%
Rank for Dining out
#5 of 149
Annual fee
₹2,499 + Taxes (first year free)
What to know before you pay on Dining out
Cap on Dining out
Max ₹1,250 per statement cycle (5,000 accelerated points, shared by online, dining, travel and international)
How it works
15 points per ₹100 (3.75% at ₹0.25 a point as cashback) on online, dining, travel and international spends until 5,000 points a cycle; 3 points (0.75%) after that and elsewhere. UPI spends earn only the base rate. Grocery apps earn nothing (BOBCARD excludes supermarket MCCs).
Caps & rules
- 5X (15 RP per ₹100) on online (e-commerce flag), dining (MCC 5812), travel (MCC 4722) and international spends, capped at 5,000 RP per statement cycle.
- 3 RP per ₹100 on other spends.
- 1 RP = ₹0.25 as cashback; points never expire.
- Transactions under ₹100 earn nothing.
Reward limits
- 5X points (online, dining, travel, international): max 5,000 points (₹1,250) per statement cycle
No rewards on
Fuel, utilities (MCC 4900) for 5X, UPI for 5X, and the MCCs in BOBCARD's annexure
Checked 2026-10-18 · Bank terms
Cards that earn more on Dining out
-
#1
Swiggy HDFC Credit Card
HDFC Bank · ₹500 + Taxes · Max ₹1,500 per statement cycle
10%
Apply now -
#2
HSBC Live+ Credit Card
HSBC Bank · Free · Max ₹1,200 a month
10%
Apply now -
#3
HDFC Diners Club Black
HDFC Bank · ₹10,000 + Taxes · Max ₹2,000 a month
6.67%
Apply now
Where else the BOBCARD Eterna Credit Card earns more
Questions
Does the BOBCARD Eterna Credit Card give rewards on Dining out?
Yes. The BOBCARD Eterna Credit Card gives 3.75% back when you pay on Dining out directly, compared with 0.75% on its other spends.
Is there a limit on BOBCARD Eterna Credit Card rewards?
5X (15 RP per ₹100) on online (e-commerce flag), dining (MCC 5812), travel (MCC 4722) and international spends, capped at 5,000 RP per statement cycle. 3 RP per ₹100 on other spends. 1 RP = ₹0.25 as cashback; points never expire. Transactions under ₹100 earn nothing.
Which credit card is best for Dining out?
Swiggy HDFC Credit Card is the best pick for regular spending on Dining out, with 10% back. The BOBCARD Eterna Credit Card ranks #5 of 149 cards we compared, by what each returns after caps.