BOBCARD Eterna Credit Card
BOBCARD (Bank of Baroda)
BOBCARD Eterna Credit Card
BOBCARD (Bank of Baroda)
Annual Fee
₹2,499
Effective Rate
0.50%
Network
MASTERCARD
Point Value
₹0.50/pt
About BOBCARD Eterna Credit Card
BOB premium credit card with 15 RP per ₹100 on travel/dining; lounge access; milestone benefits.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹2,499 with no waiver option
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.50 — an effective return of 0.50% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 15% | 1500 pts≈ ₹750 |
| All other spends | 5% | 500 pts≈ ₹250 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the BOBCARD (Bank of Baroda) rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter via DreamFolks
~₹4,000/yr value
Travel Insurance
Overseas travel insurance cover up to ₹25 lakh
~₹3,000/yr value
Dining & Lifestyle Offers
Discounts at partner restaurants and lifestyle brands
~₹3,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹3,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1,50,000 (ANNUAL)
Annual Fee Waiver – ₹1.5L Spend: Annual fee of ₹2,499 waived on achieving annual net spends of ₹1,50,000 in the preceding card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the BOBCARD (Bank of Baroda) website.
| Annual Fee | ₹2,499 |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about BOBCARD Eterna Credit Card.
Ready to apply for BOBCARD Eterna Credit Card?
Apply directly on the BOBCARD (Bank of Baroda) website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.