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BOBCARD Eterna Credit Card
BOBCARD

BOBCARD Eterna Credit Card

15 points per ₹100 on travel, dining, online & international

Joining fee₹2,499 + GST
Annual fee₹2,499 + GST
NetworkVisa / Mastercard / RuPay
Forex markup2%
LoungeUnlimited
Best forLifetime Free
Apply on issuer site Compare
Details checked October 2026 · BOBCARD is running a limited-period ₹0 joining fee offer

01Rewards

Travel, dining, online & international15 RP per ₹100 (~3.75%), capped at 5,000 RP/month
Other spends3 RP per ₹100 (~0.75%)

Redemption: 1 RP ≈ ₹0.25 via statement credit or vouchers.

02Fees, benefits & charges

Fee waiver
Joining fee reversed on ₹25,000 in 60 days; renewal waived on ₹2.5 lakh annual spend
Welcome benefit
10,000 RP (~₹2,500) on ₹50,000 spend within 60 days
Milestones
20,000 RP (~₹5,000) on ₹5 lakh annual spend
Airport lounges
Unlimited domestic lounges on ₹75,000 spend in the previous quarter (raised from ₹40,000 in Jul 2026)
Forex markup
2%
Fuel
1% surcharge waiver up to ₹250/cycle
No rewards on
Fuel, wallet loads

03Highlights & watch-outs

Highlights

  • High accelerated rate across four broad categories
  • Lower 2% forex
  • Available on RuPay for UPI

Watch out for

  • Accelerated rewards capped at ₹1,250/month
  • Lounge gate raised to ₹75,000/quarter
  • Accident insurance removed in Jul 2026

Suits: Online-first spenders who also travel and dine out.

04FAQs

What is the annual fee of the BOBCARD Eterna Credit Card?
The annual fee is ₹2,499 + GST, and the joining fee is ₹2,499 + GST. Joining fee reversed on ₹25,000 in 60 days; renewal waived on ₹2.5 lakh annual spend
Does the BOBCARD Eterna Credit Card offer airport lounge access?
Unlimited domestic lounges on ₹75,000 spend in the previous quarter (raised from ₹40,000 in Jul 2026)
What is the forex markup on the BOBCARD Eterna Credit Card?
The foreign currency markup is 2%.
Which spends don’t earn rewards on the BOBCARD Eterna Credit Card?
Fuel, wallet loads.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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