This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same rewards, lounge access and ₹2,499 fee, on RuPay - so it can be linked to UPI apps.
In-depth review
Bank of Baroda Eterna Credit Card
The best card Bank of Baroda makes — 3.75% on online, travel, dining and international spends plus unlimited domestic lounges, for a ₹2,499 fee that waives at ₹2.5 lakh of spend. On rate alone it punches well above BOB's reputation. The one persistent catch is redemption: BOB's shallow catalogue makes extracting the full 3.75% harder than earning it.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,500 in vouchers, points or cashback in year one — conditional on ₹50,000 of spend within 60 days of card set-up
3.75% on Travel
15 reward points per ₹100 (~3.75%) on travel — part of the SHARED 5,000-RP/cycle cap on accelerated earn
3.75% on Dining
15 reward points per ₹100 (~3.75%) on dining — part of the SHARED 5,000-RP/cycle cap on accelerated earn
Airport Lounge Access
Unlimited domestic airport lounge access, unlocked by ₹75,000 of spend in the previous quarter — raised from ₹40,000 on 15 July 2026
Annual Fee Waiver
Fee of ₹2,499 + 18% GST (₹2,949 all-in)/yr fully waived when you spend ₹2,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹250/month
Movie Ticket Benefit
Buy-one-get-one-free movie ticket on the District app, up to ₹250 a month
Milestone Bonus
~₹5,000 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
₹12,000
Estimated annual value
2%
Forex markup
3.8%
Travel reward rate
- Domestic airport lounge access (worth ~₹12,000/yr)
- 3.8% effective return on travel bookings
- Low forex markup: 2.0%
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- Buy-one-get-one-free movie ticket on the District app, up to ₹250 a month
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹5,000
Milestone bonus value
- 20,000 bonus reward points (~₹5,000) on ₹5 lakh of annual spend
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
3.8%
Dining cashback rate
- 3.8% return on restaurant and dining spends
For steady online, travel, dining and international spenders who want a high flat-category earn and unlimited domestic lounges, who will clear the ₹2.5 lakh of annual spend that waives the fee.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 3.75%15 pts/₹100 × ₹0.25 | ₹1,250one cap shared with Dining, International, Online Shopping |
| Dining | reward points | 3.75%15 pts/₹100 × ₹0.25 | ₹1,250one cap shared with Travel, International, Online Shopping |
| International | reward points | 3.75%15 pts/₹100 × ₹0.25 | ₹1,250one cap shared with Travel, Dining, Online Shopping |
| Online Shopping | reward points | 3.75%15 pts/₹100 × ₹0.25 | ₹1,250one cap shared with Travel, Dining, International |
| Other | reward points | 0.75%3 pts/₹100 × ₹0.25 | — |
Travel: 15 reward points per ₹100 (~3.75%) on travel — part of the SHARED 5,000-RP/cycle cap on accelerated earn
Dining: 15 reward points per ₹100 (~3.75%) on dining — part of the SHARED 5,000-RP/cycle cap on accelerated earn
International: 15 reward points per ₹100 (~3.75%) on international spends — part of the SHARED 5,000-RP/cycle cap on accelerated earn
Online Shopping: 15 reward points per ₹100 (~3.75%) on online (1 point ≈ ₹0.25) — part of the SHARED 5,000-RP/cycle cap
Other: 3 reward points per ₹100 (~0.75%) on all other eligible spends
Earns nothing on: Fuel · Wallet Loads · Select MCCs per Annexure A
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹2,949 |
| Joining fee (incl. 18% GST) | ₹2,949 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 2% |
| Fuel surcharge waiver | 1%, cap ₹250 |
Perks & benefits
Estimated annual value beyond rewards — ~₹20,000/yr in total.
Unlimited domestic airport lounge access, unlocked by ₹75,000 of spend in the previous quarter — raised from ₹40,000 on 15 July 2026
Buy-one-get-one-free movie ticket on the District app, up to ₹250 a month
20,000 bonus reward points (~₹5,000) on ₹5 lakh of annual spend
1% fuel surcharge waiver on transactions of ₹400–₹5,000 (max ₹250 per statement cycle)
Spend milestone
- ₹5,00,000 a year₹5,000 of value
Should you get it?
- Best for: Frequent travellers, Higher spenders
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (3.75% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Strong rewards that can offset the annual fee for the right spender
- Premium lifestyle perks (lounge, concierge, milestone benefits)
- Lower forex markup, friendlier for international spend
- ₹2,499 joining fee reverses on ₹25,000 of spend in the first 60 days — effectively free for an active user
✕ Cons
- Annual fee applies unless the spend-based waiver is met
- Higher income / eligibility bar
Eligibility & documents
This is the figure for salaried applicants. Where BOBCARD sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
What your BOB Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
BOB's rewards portal and partner network lag the private banks badly — earning points is easy, extracting full value from them is not.
Frequently asked questions
What is the annual fee for the Bank of Baroda Eterna Credit Card?
What is the foreign currency markup?
Is there a fuel surcharge waiver?
What is the minimum age and income to apply?
How has the Bank of Baroda Eterna Credit Card changed over time?
Has the Bank of Baroda Eterna Credit Card been devalued recently?
When did the Bank of Baroda Eterna Credit Card's fees last change?
How did the Bank of Baroda Eterna Credit Card change in 2026?
The bottom line
Eterna is quietly one of the best premium-card values going: ~3.75% on online/travel/dining/international, unlimited domestic lounges, and a ₹2,499 fee that waives at ₹2.5 lakh of spend. The 3 RP base is ordinary, but for category spenders it earns its keep comfortably.
How this page was built
Counted from this card’s own record: 5 earn rules, 4 of them capped, the spends listed as earning nothing and 4 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Bank of Baroda Eterna Credit Card are taken from BOBCARD's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for BOBCARD. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Bank of Baroda Eterna Credit Card
The best card Bank of Baroda makes — 3.75% on online, travel, dining and international spends plus unlimited domestic lounges, for a ₹2,499 fee that waives at ₹2.5 lakh of spend. On rate alone it punches well above BOB's reputation. The one persistent catch is redemption: BOB's shallow catalogue makes extracting the full 3.75% harder than earning it.
Bank of Baroda Tiara Credit Card
Most premium cards differentiate on reward rate; the BOBCARD Tiara differentiates on who it's for. A women-first card anchored by complimentary health screenings (Pap smear, mammography) that almost no other Indian card offers, plus 5X rewards, unlimited domestic lounges and lifestyle memberships. For women who'll use the health benefit, it's an easy card to like — held back only by BOB's thin rewards ecosystem.
Bank of Baroda Premier Credit Card
Covers the categories it accelerates — dining, travel, international — at a rate that's fair but forgettable. The sensible default for a Bank of Baroda account holder who wants a mid-tier card without leaving the bank; unremarkable for anyone else. Its ₹1,000 fee is waived at ₹1.2 lakh of annual spend, so a regular user keeps it for nothing.
ICSI Diamond BOBCARD Credit Card
Only Company Secretaries with active ICSI membership can get the ICSI Diamond, and no income level changes that. It never charges a fee, yet includes free professional indemnity cover of ₹5 lakh, a dozen domestic lounge visits a year and a 2% markup on foreign spends, which is strong value. The rewards are ordinary. Most spends return 0.25%. Dining, online and utility bills return 1.25% until together they hit 1,000 points in a statement, and fuel and groceries sit on the exclusion list.
ICAI Exclusive BOBCARD Credit Card
Only active ICAI members can get this card, whatever they earn. For a Chartered Accountant it's lifetime free and still brings a 2% forex markup, 12 domestic lounge visits a year and free professional indemnity cover of ₹5 lakh, which is a lot for no fee. Earning is ordinary, with 0.25% on most spends, 1.25% on dining, online and utility bills under a single 1,000-point cap per statement, and a wide exclusion list that takes in fuel and groceries.
CMA One BOBCARD Credit Card
CMA One asks ₹1 at joining and no annual fee, and only active ICMAI members can apply, whatever they earn. In return a Cost Accountant gets up to ₹5 lakh of free professional indemnity cover, 12 domestic lounge visits and a 2% forex markup, strong for what is in effect a free card. Points are ordinary, at 0.25% on most spends and 1.25% on dining, online and utility bills up to a 1,000-point cap per statement shared by all three, and fuel and groceries are excluded.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2020 · last change Jul 2026
2026
- ▼ BenefitObserved 17 Jun 2026 · Effective 15 Jul 2026
Accidental death insurance withdrawn
Air and non-air accidental death cover ends for Eterna: not offered on cards issued after 15 July 2026, and discontinued for existing eligible cardholders from 25 August 2026.
Verification: BOBCARD ↗ · Confidence: High
- ▼ FeeObserved 17 Jun 2026 · Effective 15 Jul 2026
Finance charge raised to 3.75%/month
3.25% (39% p.a.)→3.75% (45% p.a.)
Effective 15 July 2026 the monthly finance (interest) charge on Eterna rises from 3.25% (39% per annum) to 3.75% (45% per annum) — the rate charged on revolved balances and cash advances.
Verification: BOBCARD ↗ · Confidence: High
- ▼ LoungeObserved 17 Jun 2026 · Effective 15 Jul 2026
Lounge spend threshold raised to ₹75,000/quarter
₹40,000/quarter→₹75,000/quarter
Announced 17 June 2026 and effective 15 July 2026, the spend needed to unlock unlimited domestic lounge access rises from ₹40,000 to ₹75,000 in the preceding calendar quarter. BOBCARD's notice sets a transition: holders who spent ₹40,000–74,999 in Q2 2026 keep access only until 15 July 2026, not through the quarter.
Verification: BOBCARD ↗ · Confidence: High
- ▼ FeeEffective 1 Apr 2026
Processing fees added on toll/bus, high-value rail and third-party education spends
None→1% (toll/bus ≥₹5,000; rail ≥₹30,000; 3rd-party education apps — each max ₹5,000)
From 1 April 2026 BOBCARD applied a 1% processing fee across almost all its cards: on toll and bus (MCC 4784) spends of ₹5,000 or more, on railway bookings (MCC 4112) of ₹30,000 or more (capped ₹5,000), and on education-fee payments made through third-party apps such as CRED, Paytm, PhonePe and MobiKwik (capped ₹5,000).
Verification: BOBCARD ↗ · Confidence: High
2025
- ▼ BenefitEffective 1 Jan 2025
Golf benefit discontinued
From 1 January 2025 BOBCARD withdrew the complimentary golf benefit on Eterna (alongside Eterna FD, Yoddha, The Sentinel and Rakshamah).
Verification: BOBCARD ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/bob-eterna#value-timeline">Bank of Baroda Eterna Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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