BOBCARD Eterna Credit Card
Fees
Joining Nil
Annual ₹2,499 + Taxes (first year free)
1st year freeReward Rate
15 reward points per ₹100 (3.75% at ₹0.25 a point) on online shopping, dining, travel and international spends, up to 5,000 points a cycle; 3 points per ₹100 (0.75%) elsewhere
Welcome Bonus
12-month FITPASS PRO membership on spending ₹10,000 within 30 days, plus 10,000 bonus points on ₹50,000 spend in the first 60 days
Lounge
Unlimited Domestic (₹75K Qtr Spend)
Our Expert Take
Eterna is BOBCARD's best all-round rewards card: 3.75% back on online shopping, dining, travel and international spends, with points you can take as cashback. The 5,000-point cycle cap keeps it to about ₹1,250 a month, and lounge access needs ₹75,000 of quarterly spend, but a free first year and 2% forex make it easy to try.
Reward limits
Checked 18 Oct 2026 · Bank terms
-
5X points (online, dining, travel, international)
Max 5,000 points (₹1,250) per statement cycle
Reached after about ₹33,333 of spend
No rewards on: Fuel, UPI (base points only), utilities (MCC 4900) for the 5X rate, and the MCCs in BOBCARD's annexure
Where this card earns most
Paying directly in the app or site · 0.75% on other spends
Top 3 in our rankings for
Pros & Cons
Key Advantages
- 3.75% back on online, dining, travel and international spends, worth up to ₹1,250 a cycle
- Points redeem as cashback at ₹0.25 each and never expire
- Low 2% forex markup on international spends
- Unlimited domestic lounge visits when you spend ₹75,000 in a quarter
- No fee in the first year
Limitations
- 5X rate stops at 5,000 points a cycle (about ₹33,000 of spend)
- Lounge access needs ₹75,000 of spend in the previous quarter
- No rewards on fuel, and UPI spends earn only the base rate
- No international lounge access
Key Perks & Spending Milestones
Buy-one-get-one movie tickets on District, up to ₹250 a month
1% fuel surcharge waiver on ₹400 to ₹5,000 (max ₹250 a cycle)
Up to 3 lifetime-free add-on cards
Smart EMI on purchases above ₹2,500
Spend milestone
10,000 bonus points on ₹50,000 spend within 60 days of issuance
Spend milestone
20,000 bonus points on ₹5 Lakh spend in a card year
Spend milestone
Annual fee waived on ₹2.5 Lakh spend in the previous card year
Fees & Charges
Joining fee
Nil
Annual fee
₹2,499 + Taxes (first year free) 1st year free
No joining or first-year fee for cards issued from 1 Sep 2026. From the second year, the ₹2,499 annual fee is waived on ₹2.5 Lakh spend in the previous card year.
Interest rate
3.75% per month (45% per annum)
Late payment fee
- Up to ₹500
- ₹100 (₹100 to ₹500); nil below ₹100
- ₹501 to ₹1,000
- ₹400
- ₹1,001 to ₹5,000
- ₹750
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹950
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
lost card liability
Zero liability once the loss is reported
Eligibility Criteria
salaried minimum income
Net annual income above ₹12 Lakh
self employed ITR
Net annual income above ₹12 Lakh
age
25 to 55 years
Credit score & income
Good (750+)
Frequently Asked Questions
What does the BOBCARD Eterna earn?
Is there lounge access on BOBCARD Eterna?
What is the BOBCARD Eterna annual fee?
Compare BOBCARD Eterna Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| BOBCARD Eterna Credit Card This Card | ₹2,499 + Taxes (first year free) | 15 reward points per ₹100 (3.75% at ₹0.25 a point) on online... | Unlimited Domestic (₹75K Qtr Spend) | 4.0/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |