If you want a great credit card that gives you travel perks, free airport lounge visits, restaurant discounts, and movie deals. The BOB Eterna credit card is a great choice if you want travel and shopping perks for a low yearly fee.
Issued by BOBCARD, the Eterna Credit Card is positioned as the flagship lifestyle and travel card in the Bank of Baroda credit card portfolio. It offers accelerated rewards on online spending, travel bookings, dining, and entertainment purchases while providing premium lifestyle benefits usually found on much more expensive cards.
But is it really worth applying for in 2026?
This detailed review covers everything you need to know before making a decision.
Table of Contents
BOB Eterna Credit Card Overview
| Feature | Details |
| Card Type | Premium Lifestyle & Travel Credit Card |
| Joining Fee | ₹2,499 + GST |
| Annual Fee | ₹2,499 + GST |
| Welcome Bonus | 10,000 Reward Points |
| Reward Rate | Up to 3.75% |
| Lounge Access | Unlimited Domestic Airport Lounge Access |
| Forex Markup | 2% |
| Insurance Cover | Up to ₹1 Crore |
| Movie Benefits | Buy One Get One Offer |
| Network | Visa Infinite / RuPay Variant |
Welcome Benefits of Eterna Credit Card
New cardholders receive attractive joining benefits that significantly offset the joining fee.
1. 10,000 Bonus Reward Points
If you spend ₹50,000 in your first 60 days, you will get 10,000 bonus points, which are worth ₹2,500.
2. Complimentary Fitness Membership
Cardholders receive a premium fitness membership that includes access to gyms, fitness studios, and wellness services.
For users who actively utilize the membership, the welcome package alone can outweigh the joining fee.
Reward Points Structure
One of the strongest features of the BOB Eterna Credit Card is its accelerated rewards program.
1. Accelerated Categories
Earn 15 reward points for every ₹100 you spend on online shopping, travel, dining, movies, and international transactions. This equals a reward rate of about 3.75%.
2. Regular Spending Categories
You earn 3 reward points for every ₹100 spent, which equals an approximate reward rate of 0.75%.
Reward Redemption Value
You can redeem your reward points for cashback, flights, hotels, shopping vouchers, merchandise, or conversion. With a value of 1 Reward Point = ₹0.25 (for example, 10,000 points equal ₹2,500), this card offers a competitive value for the premium credit card market.
Airport Lounge Access Benefits
Frequent travellers will appreciate the lounge privileges offered by the Eterna credit card.
Domestic Airport Lounge Access
Cardholders enjoy unlimited complimentary domestic lounge access, provided you spend at least ₹40,000 in the previous calendar quarter to unlock this benefit for the following quarter.
Airport lounges offer free food, drinks, Wi-Fi, comfortable seating, and places to work while you wait for your flight. These free benefits can save you a lot of money every year if you travel by plane often.
Travel Benefits
a) Low Forex Markup Fee
This card charges a 2% fee for international transactions, which is much lower than the 3%–3.5% most other cards charge. It is best if you travel abroad, shop on foreign websites, or pay for international subscriptions.
b) Movie & Entertainment Benefits
You get a “buy one, get one free” offer on movie tickets every month. This is a great way to save money if you enjoy watching movies in theatres.
c) Insurance Benefits
The Eterna credit card includes built-in insurance to help keep your family financially safe:
- Accident Protection: If the primary cardholder passes away due to an accident, the card provides up to ₹1 Crore for air travel accidents and up to ₹10 Lakhs for other accidents.
- Fraud Protection: You won’t be held responsible for unauthorised charges if you report your card as lost within 24 hours.
This gives you extra peace of mind and protection for your loved ones.
Personal Accident Insurance
Insurance Coverage
The BOB Eterna credit card offers robust, in-built insurance to provide financial security for you and your family:
- Air Accidental Death Cover: Up to ₹1 Crore.
- Non-Air Accidental Death Cover: Up to ₹10 Lakhs.
This card helps keep your family financially safe:
- Insurance: If the cardholder passes away due to an accident, the card provides up to ₹1 Crore for air travel accidents and up to ₹10 Lakhs for other accidents.
- Fraud Protection: If you report your card lost or stolen within 24 hours, you won’t have to pay for any fake or unauthorized charges made on your account.
Milestone Benefits
Heavy spenders can unlock additional rewards.
Annual Spending Milestone
If you spend ₹5 Lakh in a year, you get 20,000 bonus points, which are worth ₹5,000. This is a great extra reward for people who use their card for regular, everyday expenses.
Quick Summary of Eterna Milestone Rewards:
- Welcome Milestone: Earn 10,000 bonus points by spending ₹50,000 within the first 60 days.
- Annual Milestone: Earn 20,000 bonus points by spending ₹5,00,000 in a card anniversary year.
Fees and Charges of Eterna Credit Card
| Charge Type | Amount |
| Joining Fee | ₹2,499 + GST |
| Annual Fee | ₹2,499 + GST |
| Interest Rate | Up to 3.25% per month |
| Forex Markup | 2% |
| Cash Advance Fee | 2.5% or ₹500 |
| Fuel Surcharge Waiver | Available on eligible transactions |
Fee Waiver Conditions
You can easily get rid of the card fees by reaching these spending milestones:
- Joining Fee Waiver: Spend ₹25,000 within your first 60 days of card membership.
- Annual Fee Waiver: Spend ₹2.5 Lakh during the previous anniversary year.
These conditions make the BOB Eterna card highly cost-effective and easy to maintain for active users.
Eligibility Criteria for BOBCARD Eterna
To qualify for the BOB Eterna credit card, you should meet the following primary requirements set by the issuer:
- Age:
- Salaried: 21 to 60 years.
- Self-Employed: 24 to 65 years.
- Income Requirement: A minimum net annual income of ₹12 Lakh or more.
- Residency: Must be an Indian resident.
- Credit Score: A CIBIL score of 750 or above is recommended to increase your chances of approval. While the bank evaluates your overall financial profile, including your relationship with the bank and debt-to-income ratio, a score of 750+ is widely considered the ideal threshold.
Summary of BOB Eterna Credit Card Features
| Feature | Key Detail |
| Reward Rate | 15 Points (₹3.75%) on Travel, Dining, Online & International spends; 3 Points (0.75%) on other spends |
| Redemption | 1 Reward Point = ₹0.25 |
| Lounge Access | Unlimited Domestic access (requires ₹40k spend in the previous quarter) |
| Forex Markup | Low 2% fee |
| Entertainment | Buy One Get One (BOGO) movie ticket offer monthly |
| Insurance | ₹1 Crore Air Accident Cover; ₹10 Lakh Personal Accident Cover |
| Annual Milestone | 20,000 Bonus Points (worth ₹5,000) on ₹5 Lakh annual spend |
| Fee Waivers | Joining fee waived on ₹25k spend (first 60 days); Annual fee waived on ₹2.5 Lakh annual spend |
This card is particularly well-suited for frequent travelers and those with high online and lifestyle spending who want to maximize their rewards and enjoy premium travel perks.
Who Should Apply for BOB Eterna Credit Card?
The BOB Eterna card is ideal for:
- Frequent Online Shoppers: Maximize your returns on digital purchases with an accelerated reward structure.
- Domestic Travelers: You get unlimited free access to airport lounges across India, which saves you a lot of money every time you fly.
- Dining Enthusiasts: You earn extra reward points every time you use the card to pay for your meals at restaurants.
- International Spenders: Benefit from a low 2% forex markup, significantly reducing costs on foreign transactions and global subscriptions.
Who Should Avoid This Eterna Credit Card?
The BOB Eterna card may not be the right fit if:
- You have low annual spending: The card’s benefits, such as milestone bonuses and annual fee waivers, are optimized for users who can meet the spending thresholds (e.g., ₹2.5 Lakh to waive fees).
- You rarely travel: A significant portion of the card’s value is derived from airport lounge access; without travel, this premium benefit goes underutilized.
- You prefer pure cashback: While this card offers a strong reward point system, those who prefer direct, statement-based cashback rather than managing reward points for redemptions might find other products more straightforward.
- You cannot meet lounge access criteria: To get unlimited airport lounge access, you must spend at least ₹40,000 every three months. This might be difficult if you do not spend that much money regularly.
BOB Eterna Credit Card Pros and Cons
To help you evaluate the BOB Eterna credit card, here is a balanced view of its pros and cons to see if it aligns with your spending habits and lifestyle.
Pros
- High Reward Rate: Earn 15 reward points per ₹100 (3.75% value back) on key categories like online shopping, dining, travel, and international spends.
- Unlimited Lounge Access: Provides unlimited complimentary access to domestic airport lounges (subject to a ₹40,000 spend threshold in the previous calendar quarter).
- Low Forex Markup: A reduced 2% fee on international transactions, making it cheaper than standard cards (usually 3%–3.5%).
- Valuable Milestones: The card rewards you for spending more. You get a “welcome gift” of 10,000 points when you start using the card, and an extra 20,000 points once you hit a yearly spending goal of ₹5 Lakh. These points can be used as cash, which helps you get more value back from your purchases.
- Easy Fee Waivers: Both joining and annual fees are easily reversible through reasonable spending targets (₹25,000 in 60 days and ₹2.5 lakh annually, respectively).
- Strong Protection: Includes a high-value ₹1 Crore Air Accident Insurance cover and ₹10 Lakh Personal Accident cover.
- Entertainment Perks: Monthly “Buy One Get One” (BOGO) offer on movie tickets via the District app.
Cons
- No International Lounge Access: The lounge benefit is strictly for domestic travel within India.
- Reward Capping: You earn extra points on things like dining, but there is a limit. You can only earn a maximum of 5,000 extra points each month. Any spending above that amount will earn points at the normal, lower rate.
- Spend-Linked Lounge Access: Access is not automatic; you must maintain a minimum spend of ₹40,000 per quarter to qualify for the next quarter.
- Strict Eligibility: With a minimum annual income requirement of ₹12 Lakh, it is positioned for high earners, which may be a barrier for some applicants.
- Excluded Categories: Certain merchant categories, such as fuel, rent, utilities, and education, do not earn reward points, and some may incur a 1% processing fee.
- Redemption Value: While competitive, some users find the reward redemption options less flexible than “pure” cashback cards that apply credits directly to the statement.
Final Summary
The BOB Eterna Credit Card is one of the best mid-range premium credit cards in India.
It gives you a great mix of benefits:
- Travel Perks: Free unlimited airport lounge visits within India.
- High Rewards: You earn extra points on online shopping, dining, and travel.
- Save on Foreign Trips: Only a 2% fee when you spend in foreign currencies (lower than most cards).
- Insurance: Includes protection like a ₹1 Crore air accident cover.
- Lifestyle: Special offers on movies and other services.
If you spend a lot on shopping, dining out, and travelling, this card gives you a lot of value. It is perfect for professionals who want premium features without the high cost of expensive, “ultra-premium” cards.